This research examines the attitudes of early adopters towards holding and using credit cards,
especially how the ‘young and affluent Chinese’view credit cards,in the Chinese cultural context.
The findings indicate that frequent users of credit cards are more inclined to agree that : they display
traits of new product adopters; credit cards offer them greater convenience;and others regard themas
being more au-fait with technology,and more financially aware.The research also reveals a fear ofloss
of financial control when using creditcards that may impedeits rate of adoption in China