Correlations behavior using a credit card with the factors that influence the use of credit cards showed that the selected Credit Card - Bank of Thailand compared to the distribution channel. Bank of Thailand compared to the price. Bank compared the distribution channels are connected in the same direction. The number of tickets possession -2 leaves Compared to the price of a relationship in the same direction. 3 more leaves compared with the products and services correlates in opposite directions. Location-based services - the mall compared with the price relationships in the same direction. Restaurants with products and services. Price relationship in the opposite direction. The side channel distribution relationships in the same direction. The purpose of choice - cash vs. price relationship in the opposite direction. The products are expensive compared to the price relationships in the same direction.