The purpose of the independent study about credit card usage behavior of university students university to study the behavior reason. Factors influencing the problem to occur.The data collected from the students of the University (300 assembly, undergraduate students, Graduate Students , and Ph.D. students, using questionnaire to collect data, for example.By statistics of frequency, percentage, mean, standard deviation, t-test analysis one-way analysis of variance. (One way ANOVA) and analysis of correlation coefficient (Spearman).