For the analyses, cases with incomplete profiles were deleted. Further, responses to individual items of "Refused" were recorded as missing data. The statistical program, SPSS for Windows (SPSS, 2004), was used for all analyses. For identifying consumer credit impacts on lifestyle activities, respondents in a survey were asked to indicate their degree of agreement with 15 statements/ variables (appendix, table 7) using a 5-point likert scale (1=strongly disagree, 5=strongly agree).These data were analyzed via principal components analysis. The factor analysis using the principal components method with varimax rotation was run to determine the underlying benefits consumers seek of their lifestyle activities(work performance, entertainment activities, social activities) from the use of household goods (TV, fridge, furniture etc.) borrowed by consumer credit.