In the present credit card as a tool to share general purchasing in our migrant driven by consumers. They are convenient, fast money planned (and unplanned). However, credit card is also popular among the staff and student. When with a credit card is the problem as the debt "In 2015 America had an average credit card debt is $ 15,762." (https://www.nerdwallet.com) because the credit card approval credit at the Bank, customers can pay cash and the deductions were authorized when customers pay for products or services. The bank approves the customer's credit card was used. When customers use the full amount of debt that must be paid to the bank later called credit card debt. Consumers in a present, especially students and employee's debt a lot of credit. The cause of Firstly, due to consumer demand, money circulation in my everyday life, so take the credit. Second, consumers lack financial knowledge in using a valid credit card. Finally, consumers are demanding products and services such as houses, cars and etc.