Research that a family with more children are more

emphasises that marital status can be influenced spending behavior of a credit
card holder. (Kinsey, 1981; Steidle, 1994). Devlin et al. (2007) demonstrated
that actually respondents that married have more credit cards than those single
or divorced respondents in his research. Obviously, we can see that married
customers are possibly to have higher expenses than single customers. Godwin
(1998) discovered in fact that a household size is absolutely affected the
expenses and increase the debt of household. This also show that the reason of
credit card debt is increasing due to large amount of living expenses. They
need money to spend in daily life so the only way to get money is to borrow
money from credit cards. This could be relevant and happen in Malaysia as the Credit
Counselling and Debt Management Agency reported there are 77% of married
individuals involved in having big amount of outstanding balance of credit
cards. There is a positive relationship between marital status and spending behaviour
of credit card holders. Perhaps credit card is convenience to buy things but it
also easy to make consumer buy things that they actually cannot afford.

status could affect the credit card spending behaviour of Malaysians because that
is a necessity for married individuals to have credit cards for borrowing to
finance their living expenses. Kinsey (1981) demonstrated two people households
tend to have more credit cards than a single person household as two people
might have high expenditures in their daily life. Chien and DeVaney (2001)
argued that married individuals have more favourable attitude towards holding
and using credit cards and have higher outstanding balance of credit cards. Despite
this, Bertaut and Haliassos (2001) notice that a family with more children are
more possibly in having high amount of outstanding balance of credit card due
to more children which also say that high daily expenses compared to single

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