Most of the respondents are female, aged 21-30 years old have with Bachelor's degree 2average income per month is less than or equal to 10000 with a credit card in the possession of a credit card that a sample carrying most Thai farmers bank credit card is mostly used on average per month 2-5 times the average value, credit card spending at a time of less than 5000 baht used credit cards in the daily life of most samples used to pay for goods and services at the Mall. To pay for the credit card itself pays The reason is mainly that choose to use the credit card is used in place of cash.When classified according to the service marketing mix factors influence factors of using a credit card. An overview on many levels. Concerning the opinions of the factors influence on the use of credit cards at the highest level is the distribution channel And in the high level is the products and services, and the prices.Compare personal factors that affect key factors that influence the use of credit cards that gender - the distribution channel. Age - the distribution channel. Education - Experts Level of education - the distribution channel. Average monthly average income levels - the different distribution channels.Test credit card behaviors associated with factors that influence in the use of credit cards. I found that a sample of selected Thai farmers bank-credit cards, compared with the distribution channel. Krung Thai Bank vs. price Bank of ayudhya public company limited, compared with the distribution channel relationships are in the same direction. The number of cards that occupy-2 the price vs. selling together in the same direction. 3 or more compared to the products and services have a relationship in the opposite direction. A place where service-department stores, compared with the price of having a relationship in the same direction. Restaurant compared to the products and services. The price of having a relationship in the opposite direction. The channels of distribution are associated in the same direction. Intended use-instead of cash, compared with the price of having a relationship in the opposite direction. Product is expensive compared to the price of having a relationship in the same direction.