國內文獻

1. 국민카든(주) (1992), 「유럽 및 미국의 크레디트 카드 시장」 p.2.

2. 박무송(1988), 「소비자 금융과 신용」 p.22.

3. 백원구(1987.11), 「신용경제 구현을 위한 정책구상」 신용경제, p.92.

4. 송현수(1993), 「신용카드와 고객만족」 pp. 24-25.

5. 신용경제(1994) 「신용카드 사용이 국민경제 생활에 미치는 영향」 pp.112-113.

6. 이명식(1993. 12), 「신용카드의 국민경제적 역할과 발전방향」 창간호, p.11.

7. 정영기·장성태(1998), 「일본 新販」업무조사보고.

8. 「조흥은행 통신연수교재 I」 1994년 3/4분기(162회), p.61.

國外文獻

1. Fienberg, R. A.(1986), "Credit Cards as Spending Facilitating Stimuli; A Conditioning Interpretation," Journal of Consumer Research, Vol. 13, pp. 348-349.

2. Feinberg, R. A.(1986), "Credit Card as Spending Facilitating Stimuli; A Conditioning Interpretation," Journal of Consumer Research, Vol. 13., pp. 347-350.

3. Frazer(1985), "Credit Cards," pp. 16-17.

4. Garcia, G.(1980), "Credit Cards ; An Interdisciplinary Survey," Journal of Consumer Research, Vol. 6., No. 4., pp. 121-124.

5. Herbert Edwards A. F. Cook, Credit Management Handbook, Manager Training, Barolay card, pp. 473-479.

6. R. Y. Awh and D. Waters(1974), "A diseriminant Analysis of Economic, Demographic and Attitudinal Characteristics of Bank Charge Card Holders; A Case Study," Journal of finance, 1974, Vol. 29, pp. 973-974.

7. Robert, H. Burton & George. J. Petrello(1978), Personal Finance,. N Y; Macmillian, Publishing Co., Inc., pp. 6-10.

8. Sid Mittra(1977), "Personal Finance; Lifetime Management by Objectives," N. J., Harper & Row, Publishers, p.84.

9. Slocum, J. and, H. Mathews(1969), "Social Class and Commercial Bank Credit Card Usage," Journal of Marketing, Vol. 4., No. 3., pp. 17-19.

10. Thomas Russell(1975), "Credit Cards Tony Drury and Charles Ferrier," North America, Visa and Master Card, pp.19-20.

11. Tony Drury and Charles Ferries, "Credit Cards," p.5.