Estudio del comportamiento de los consumidores con tarjetas de crédito, en un centro comercial de la ciudad de Machala.

Abstract

Reality shows that it is easier and more convenient for cardholders to apply for credit and pay for it in instalments, which in some cases results in overdrafts on consumers' pay slips because of the excess credit that is obtained. Banks use a variety of strategies to attract and retain customers with the benefits they offer, customers use credit cards to build a credit history, manage transactions or pay for purchases in instalments, banks attract groups of customers based on their needs.