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.