From the table1, it shows that behavior using pay products and service by credit card of student and personnel in Mae Fah Luang University using pay often consumer goods (M=3.1). Sometimes, they using pay clothes, beauty (M=2.2) and they sometimes using pay foods (M=2.43). They often using pay travelling (M=2.53). However, it seems medical fee is not a behavior for student and personnel in Mae Fah Luang University because rarely using pay medical fee (M=1.50). It can be said that the finding here help to confirm the previous studies by Chien and Devaney (2001), but do not confirm information by Norvilitis, Merwin, Osberg, Roehling, Young and Kamas (2006).