The purpose of the independent study for credit card usage habits of Rangsit University students to study the factors that influence behaviour through reason. The problem occurs and forecast trends in consumer credit card student's Rangsit University by collecting data from a sample of University students of academic University-Rangsit Rd., 300 count list contains. Undergraduate students, graduate students and PhD students, using a questionnaire to collect data. Using a complex statistical analysis of data, for example to describe with the frequency distribution statistical values per cent average standard deviation. T-test analysis one-way ANOVA (One way ANOVA), and how to analyze the correlation coefficients (Spearman)