The Assault Weapon Ban essays

The Assault Weapon Ban essays Assault weapons pose a threat to the safety of our citizens and law enforcement officers. There are thousands of assault weapons still in possession of our citizens and criminals. Our nation is now under jeopardy and will continuously suffer from it, unless the government takes action and ideas to avoid it and strengthen the ban. Prohibiting assault weapons should be one of the major issues for the government to regulate carefully. Just few days ago, I read a shocking article on the internet. The place was taken at Minnesota; a teenager had killed himself and nine others. The reason was because the young teenager was severely depressed, and sometime watched violent films with his small groups. The investigator said the young teenager shot and killed his grandfather with his grandfathers .22-caliber gun and stole his grandfathers police squad car and two other weapons, and then drove to Red Lake high school. The confused teenager killed a security guard, a teacher, and five students, and then killed himself (Davey). What is an assault weapon? The public is not entirely sure about the federal officials meaning of a semiautomatic assault weapon. The abridged meaning of assault weapon is a semi-automatic firearm very similar to a military weapon. A semi-automatic rifle is one that the trigger has to be pulled for each shot; the rifle releases the used shell and sends a new round preparing the rifle for the next shot. A military rifle is slightly different from a semi-automatic rifle. The military rifle has mechanics that lets it fire bullets continuously until the clip runs out of ammo. The rifle would fire with no end as long as the trigger was pulled. These types of weapons have been heavily regulated since 1934, however not addressed in the legislation banning. This is a difficult situation because the average person and many gun owners have a tough time telling the difference of fully automatic assault rifle and semi-...

Analyzing Enterprise Operations Essay Example | Topics and Well Written Essays - 1000 words

Analyzing Enterprise Operations - Essay Example The complementary nature of the inter departments makes the analysis and integration amongst them, an essential study. Enterprise integration is an improvement concept, as are total quality and error-free performance and these concepts have proven to be very difficult to implement successfully because the desired degree of improvement is difficult to achieve (Nell, n.d.). As in case of all improvement strategies whether in small scale or a small scale, the change must be gradual. Expectations have to be satisfied in the long term basis as the human factor is the most significant aspect of the analysis and integration. On the other hand, some businesses have invested to overcome integration barriers, and have achieved their integration, cost, and quality goals and there was enormous improvement (Nell, n.d.). The result was an optimal process where the products were produced with the desired result of timely manufacturing, and cost reduction so immensely that eliminated the need to jus tify the old system. The organization – Automobile industry, in present times, is one of the most competitive industry which has escalated owing to the purchasing power of the urban mass. Today’s customer, when purchasing a car, is not only attracted by the money factor but is also swayed by performance, design , brand name and other factors, making the industry , immensely competitive. BMW is German automaker primarily involved in manufacturing cars for the luxury class. It manufacturers BMW, MINI and Rolls-Royce Motor Cars. Sales and Marketing, Finance, Operations, Quality, Human Resource, Research and Development are some of the main departments that comprise the organization setup. An Enterprise Resource Planning (ERP) system has been installed for a smooth and effective flow of cross functional information. Sales and Marketing is one of the major contributors to the financial growth and profitability for the company. Under the Sales and Marketing department there are sub departments which are responsible to for specific jobs. For any sales person, the best way to learn about the business in to witness the direct sale of a car in the showroom. The showroom is furnished with the model cars and is connected to the central portal for the ERP. The location of the showroom is discussed in the department as the customers are limited to the upper strata of the society. The department is responsible to liaise with the operations and the management for the allotment and early delivery of the vehicle. The process – For high end car manufacturers like BMW, front end customer interaction is important. The rationale behind choosing the below process is to assess the journey of the line of interaction to the line of visibility that a customer embarks after he enters a BMW showroom. This is place where the initial relationship is established. One of the core process in the Sales and marketing department is the proper information flow of the booking o rders that are being assigned in the showroom. These orders comprise customized options by the customer (a new feature launched by the company where the customer can choose the interiors, accessories etc.) This is an important introductory concept as it gives the premium customers a flexibility to personalize the car. The specifications are entered in the system that is connected to t

How to Write an Essay College Admission Officers Will Really Want to Read

How to Write an Essay College Admission Officers Will Really Want to ReadWriting an essay is the most important part of writing a college application. College admissions officers will ask for a longer essay than your high school essay, so you should take the time to research and write one that is impressive.The theme of your college essay may not be what you are most passionate about, but that doesn't mean it has to be boring. You want to be sure to have an interesting topic, but don't put too much emphasis on being current. Being current in your college essay will also help to show the admissions officer that you are serious about your college career.You should try to write your essay as if you were writing to a student's passion and interest. You want to be able to relate your interests and passions to what you are trying to say in your essay. Even if you do not have any kind of professional connections or experience, you can still make a great college essay. If you find an opportu nity to help someone else out, you will be showing your maturity and positive attitude.College admissions officers will want to know how you plan to get from point A to point B. Make a list of all of the places where you will meet new people and keep your eye out for some interesting projects that you can take on. Most students love to write essays, so you will likely find a great mentor to work with as you write your own essay. You should also include questions in your essay for admissions officers to use as prompts for their own essay.Your college admissions officers will want to know the reasons why you want to be in college. If you have any misconceptions or bad habits, get them out of the way now. Always write about what you love doing, even if it is something that is not a part of your strengths. This will show the admissions officer that you are passionate about your educational goals. Don't let them steer you into something that is not right for you.You should also keep in m ind that college admissions officers are looking for an honest picture of you as a person. They don't care how good you are at math or how hard you can throw a Frisbee. They want a real person who will be a good member of the community. So, don't try to out-work your past, but just present your best side to them.You should always try to research for college admissions officers before writing an essay. An intelligent question or insightful observation can go a long way toward getting your essay on the right track. Just be yourself, and you will end up with a great college essay.

The Fight Against The First Stage of the Research-essay Writing Process Is _____; the Second

The Fight Against The First Stage of the Research-essay Writing Process Is _____; the Second It is crucial to understand that Budgeting process is essential since it portrays the picture of revenue in future. Deficiency of suitable implementation would indicate the policy would fail to serve its objective. The scheduling of the tasks is quite a significant aspect in the info technology budgeting too. In the very first segment an exhaustive analysis of literature associated with marketing communication, its channels and objectives will be done. Ideas, Formulas and Shortcuts for the First Stage of the Research-essay Writing Process Is _____ ; the Second Moreover, the department would like to find sustainable financial goals ultimately. Make sure you're conscious of any particular content or technical requirements you might have from teachers. Within this budget technique, the provider creates a budget of unique departments and divisions separately. The businesses can easily understand the value of budget calendar. Lies You've Been Told About the First Stage of the Research-essay Writing Process Is _____ ; the Second Proofreading is the simplest step in the writing procedure, and it may help you save you from considerable embarrassment and frustration. Writing is a complicated mix of skills which is best taught by breaking down the approach. Ensure all sentences are complete and there are not any spelling errors. The language is going to be improved in the post-writing part. Don't forget to double-space if required by means of a teacher. What You Don't Know About the First Stage of the Research-essay Writing Process Is _____ ; the Second This way you will be able to observe the improvements that I was able to make after you've finished the academic writing process. If you lose out on the major idea of the matter, your grades will surely disappoint you. Nowadays, my everyday writing procedure is very easy. When you've decided on the perfect house for your novel, remember to follow all of the submission guidelines. the First Stage of the Research-essay Writing Process Is _____ ; the Second Help! Jot down all you run into. You have to write freely and attempt to discover the best method to communicate your ideas. You should pick the one which suits you the very best. The style needs to be formal. Aside from th at, our customized thesis writing service offers you a whole customized PhD thesis according to your demands and requirements. Learning Outcome Once you're finished, you ought to be in a position to outline the writing procedure and describe its steps. Follow these suggestions and you will receive the maximum grade for your abstracts! This chapter also addresses the limitations of the analysis. The Importance of the First Stage of the Research-essay Writing Process Is _____ ; the Second Thus, it's very important to get a crystal clear comprehension of the stages involved with building a policy. An honest review of your work can save you time and energy in the future by permitting you to catch any huge problems early in the practice of writing your novel. Finding any sort of response can take a while, so be patient. You want to produce a writing process that's easy, steady, addresses your weaknesses, and supplies a good foundation it is possible to go back to with confidence each moment. Whatever They Told You About the First Stage of the Research-essay Writing Process Is _____ ; the Second Is Dead Wrong...And Here's Why Drafting is the start of writing your paper. Using your outline, it is possible to now start to compose a draft. Now you have a draft, you are prepared to revise. On the flip side, you may be very pleased with your very first draft. In any event, a book critique can help you to get the feedback you require. The very first chapter is based on the debut of the topic. Too few and your essay could have previously unidentified problems. While it does not need to be the first ever written about the topic, it should be somewhat uncommon. Want to Know More About the First Stage of the Research-essay Writing Process Is _____ ; the Second? Each major idea and its supporting details can act as a new paragraph. The variety of editors you enlist, nevertheless, is crucial. The formatting necessary for your paper will change based on the area of your topic. Again, there'll be a certain format for this. Narrow your topic down to a particular angle which is going to be developed in your text. Repeating exactly the same sentence structure is able to make your paper feel mechanical and make an intriguing topic feel boring. Students want to make a last copy of their work, in the right format.

Details of Mode of Essay Writing

Details of Mode of Essay Writing The mathematics phobia was addressed in an extremely impressive way by the teachers and the experts who are an integral portion of the team of the house tutors. You've been using writing modes through the majority of your school life. There are a number of ways to define a term. You ought to understand the term before you're able to define it for others. Provide enough information so that your students are in a position to do their very best writing. On the other hand, they find different difficulties with regard to communication essay writing. In reality, they consider the virtual classrooms communities where learning occurs. Some students become scared to begin writing. Mode of Essay Writing - Overview After you have updated your on-line profile, all you need to do is monitor regularly for any feedback from employers. Choose resources based on the subject you would like to write about. There are a number of internet courses conducted by the Statistics Homework help that help them to get a fast summary of the concepts and also enables to grasp the fundamental comprehension of the subject. The idea of duty seems to be a universal keystone in legal systems across the world. By way of example, lets assume the purpose of your essay is to compose an overview. The principal challenge in writing an appropriate letter is that on e needs to deal with their issues or convey your data in a few words. The significance of the human resource manager cannot be understated in the current scenario. The significance of an introduction, in addition to the human body and conclusion are all essential areas of an essay. Mode of Essay Writing - Overview An analysis is when you examine something by viewing its parts, including when you consider the plot, setting, themes and characters in a brief story. A descriptive piece doesn't necessarily have to be lengthy. Writing an essay demands various primary skills which are essential for the writing procedure to go on in a proficient method. A descriptive essay enables readers to experience a scenario, thing or person with all their senses. There are a few strict rules on the diction which you use. While it might be lengthy, there's a bit of accuracy that you could reserve on your part. On occasion a change of environment is only the kickstart you will need to locate your writing groove. Therefore, you must be certain that the steps make sense that you can follow without repeating or skipping any of the steps. Essay writing to a lot of people is a tough notion to grasp. Professional writers may use the complete spectrum of modes in one essay or book. Profile essays need you to receive all the appropriate details of your subject, and to only present ideas that may be supported by an established fact. It's vital that you learn early on how best to compose effective essays that communicate clearly and accomplish certain objectives. Books, magazines, and journals are a couple of examples you may utilize. It is suggested to look for the one which has a very good reputation and offers high-quality papers at inexpensive prices. If you to take completely free essay on-line program! Mode of Essay Writing Features The range of paragraphs will depend on the number of points you must make or topics you will need to cover. Each paragraph ought to be restricted to the discussion of one general idea. Each paragraph starts with a topic sentence in which you state your case or objective. The very first paragraph of the human body should put forth your strongest argument to back up your thesis. 1 characteristic of the markers in oxford style papers is they can be specific based on each individual chapter readily available in the paper or they may be consecutively used throughout the whole paper. The introduction is the initial paragraph of the essay. Writing styles determine the kind of format, referencing and citations that could be applicable in any kind of writing.

Definition Argument Essay Example | Topics and Well Written Essays - 750 words

Definition Argument - Essay Example In this society of ours, we see men acting as if they are women. The reverse case can also be seen. The current trend of classifying them is as a homosexual- one who possess biologically defined male or female characteristics but is exhibiting behavior of the opposite sex. The connotation of the term 'homosexual' is perceived as discriminatory and the clamor to be considered female without reference to biological makeup, is getting stronger and getting many adherents. Since this is an issue experienced by most nations of the world, the change of definition would have global consequences. The controversy that will surround the redefinition would be immense as will restructure the deep seated notion of morals and values of everyone. One can expect to see the interplay of religion, science, public opinion, psychology and sociology. The word "female" should be redefined because it is ambiguous, not inclusive, socially unresponsive and obsolete. The specific warrants together with the arguments that can be raised and the qualifiers that can be stated are the following: There are cases where a "female" , with all the features and organs of a woman, was found to be biologically male. That is, they have XY chromosomes. There also cases where men were found to have XX chromosomes (Walter, 412). This only shows that even if organs and features were present, there exist a possibility that the person's chromosomes are for the opposite sex. Argument: Even if there were extraordinary cases like this, the possibility of occurrence is minimal and does not warrant the change in definition. Counter Argument: These cases were discovered thru the use of technology. Who is to say how many times this have occurred when the technology was not yet available. The Sex Change process and the use of estrogen pills has made the possibility of obtaining organs and features. Can we therefore say that the person is female What if that person undergoes sex change again Will we call him a male again The current definition really provides confusion and ambiguousity. Argument: Sex change only changes the genitals. It does not change the other organs of the body. Counter Argument : The point is, the ambiguousity exists and these can lead to legal, scientific and even political complications Redefinition would finally enable many persons to reconcile their behavior with their biological makeup. They can establish their identity as they know what they are. Argument: The definition would only provide further confusion for those who are establishing their identity Counter Argument: The person is actually more confused with the current definition. The person cannot place his/her identity because he/she cannot satisfy the criteria of the current definition Those discriminated against can now find social acceptance as the new definition will change the way the public views them (Cohen, 21). Argument: Discrimination is not only founded on our existing notion of how a person should behave according to his physical make-up. There are also religion and other social factors. Counter Argument: In fact it is precisely founded on our pre-existing notions. Why are homosexuals discriminated upon It's because they cross dress and perform sexual acts with persons of the same sex. From where did our notion of who should be our sexual partner come from Isn't it from our pre-existing

Advantages and disadvantages of using credit cards

Advantages and disadvantages of using credit cards In this modern era with the rising of e-commerce in the world, the usage of credit card is getting popular among the world nowadays. The usage of credit card has actually spread towards the college student and has increasing visibility (Hayhoe, 2002). Meanwhile, this is the best chance for the credit card companies to put on target at college students because college students are expected to have higher of earning power and this makes the credit card companies believe that as a desirable market (Warwick Mansfield, 2000). Credit card can be best defined as a small plastic card issued by the bank to the consumers to purchase goods and services in advance with a credit limit on the spending (eHow, n.d). With a credit card, the users are able to purchase goods without using cash. Users will have the ability to use it as online payment in internet and uses it as monthly installment for large volume goods and services (eHow, n.d). However, interest charges are applied to the credit cards. There are many different types of credit card associations nowadays. For example, American Express, Dinner Club, MasterCard, Visa and many more. Each month, the credit card user is sent a statement by bank that indicated their purchases for previous month. After the cardholder received the statement, he or she must pay the amount of their purchases otherwise may choose to pay a higher amount when the credit issuer charges interest on the amount owed. Even credit cards have higher interest rates than most consumer loans; many people still prefer to use it yet. This is because almost every store that we can see allows for payment of goods and services through credit cards today. The increasing number of banks that provides credit card has eventually increases the competition between banks in attracting the customers. Every bank has tried their own way to persuade the customers to apply the credit customers. The worst part is, they even attract college students by having promotion in the college. Historically, the bank actually started to bump into student credit card market in the late of 1980-an (Manning, 2000). In the long run, this will cause many problems to the college students. This is because most of the college students does not how to plan their money effectively. According to Henry, Weber, and Yarbrough (2001), most of the students will have the credit problems is because college students do not practice to have a written budget. The researchers also expected college students are vulnerable to financial crisis (Henry, Weber Yarbrough, 2001). The incredible increase of the usage of credit card actually has demonstrated the crisis among the college students. The increased number of credit cards among college has seen a major growth since the past decade (So, Grable Bagwell, 2003). Based on a research, 70% of all undergraduates at four-year colleges have at least one credit card today (So, Grable Bagwell, 2003). Advantages and Disadvantages of using a Credit Card Credit Card is an Automatic advanced card which people can use it to get the goods without paying the cash. Credit cards are widely use by people all around the world as a source of convenient to get what their needs. But, there are many advantages and disadvantages of using it. One of the advantages of credit card is that with credit card can eliminate the need to carry large sums of cash wherever we go. For example, if we are away from home for vocation, we dont need to take large amount of cash in pocket. Besides, credit cards may also offer us additional protection if goods that we bought is lost, damaged, or stolen. This is where the credit card company can know that the fact that we have made a purchase. In addition, we can also see that some credit card companies offer insurance for the customers on large purchases. By this way, the companies can protect their customers and give their customers the security of using the card. With a credit card can also assist us build a credit line. By having a good credit history is very vital, which meant that making payments on time and in full month, it help us not only applying a credit card, but also when applying for the loans, rental, or even some jobs will more easily. In conjunction to that, credit cards can also be useful in times of emergency as well. For example, students with a credit card can take the necessary actions by helping parents when they falls ill, a car is damaged, or trying to buy a higher cost books in the university. Some credit cards also offer some extra benefits for their customers, such as discounts from particular stores or companies, bonuses such free airline miles or travel discounts. All of these benefits is helpful for us as long as we bear in mind that out spending limits. On the other hand, the disadvantage of credit cards is that they encourage people to spend money that they dont have. The customers can spend any time as they want even they have less money. Indirectly, the customers cannot pay for the bill statements that what they had spent. By this way, the more money the customers owe the credit card companies, and yet they will charge the customers on interest each month on their spending. The other disadvantages of credit card is that the credit card companies will charge the customers on high amount of interest on each balance that the customers dont pay off at the end of the month. This is how the credit card companies make their money and this is how many of credit card users will get into big troubles. And, credit card fraud also is one of the disadvantages. This is where the credit card also same as a cash, it also can be stolen sometimes. They maybe be physically stolen from customers wallet or credit card number and use as to swap the mo ney. The good news is that, when we realize our credit card is stolen, quickly we can report to the credit card companies. This is to avoid us by not being charged for any purchases that someone else has made. As conclusion, credit cards can make life easier and convenient to the users as they utilize it wisely. But, if we use it wrongly, it will become huge financial burden for us. If we decide to use the credit cards, we must know some simple rules such as limit our purchases, dont spend outside our budget, pay off the balance at the end of each month, and most importantly is dont give credit card information to anyone else as the safety methods. 1.1.2 Development of credit card in Malaysia In old days, there was no such thing as money. Each person would provide for his own food and clothing and also shelter. As time goes by, a system of barter by exchange of needs began. Barter trade however, was not that simple. Sometimes, it was difficult to find those who had exactly the item that was needed. Some goods were used for barter trade because they could easily be carried, have a common value and be easily divided. This commodity money became a medium of exchange soon. Common goods such salt, bread, grain, tobacco were among the item that had served as money. The first money appeared when the ruler or king issued a constant value. For example, in historical times in Malaysia, blocks and tin were kind of commodity money. As businesses developed, it became inconvenient to move large sums of coins around the country. In the middle ages, people preferred to deposit their coins with trustworthy goldsmiths, in exchange for paper receipts. Whenever a depositor wanted to make payments, he would exchange these receipt back for coins. As long as the goldsmith was trustworthy, the paper receipt was as good as coins. Thus, the first paper money and first banks were developed. In Malaysia, only the Bank Negara Malaysia is allowed to issue coins and paper currency notes. The value of ringgit is legal tender and is backed by gold and foreign exchange held by Bank Negara. In nowadays, there are now 3 forms of money we can see in Malaysia. They are coins, paper currency, and transaction account which are cheques and credit cards. While coins and paper currency are used to transfer money at the present time, cheques and credit cards commit money that will be earned in the future. Cheques is the most common instruments used to transfer funds. And then, cheques and credit cards become more popular as they provide their holders with the power to purchase without having carried around large amount of cash. Research Background Credit card among college students has become a hot topic of growing nowadays. This is because college students are experiencing unique transition period in their lives. Financially, they are going through the process from financial dependence to independence. They may have learned some consumer skills in cash management at home before coming to college. At this moment, students just want to start to learn on how to use credit wisely and just matured enough to be able to sign legal contracts include credit card contracts. There are also some other studies that show that students are greatly involved with credit cards. Yet, the use of credit cards among students has received much attention in recent year from members of the financial community and policy makers. Credit card companies grab this golden chance to target students because they are expected to have higher average earning power and are seen by the credit card companies as a desirable market (Warwick Manfield, 2000). Besides, we can see that mixed practices among students credit use will make them have a low knowledge about credit because they do not fully understand the financial implications of having a large number of credit card debt. By this way, this will make them to spend more. (McNeal and Yeh, 1993) A research also showed that at average age of eight years children, making their first independent purchase as socialization as a consumer begins in their early years. Nowadays, as we know that a service tax of RM50 will be charges on each principal credit card in Malaysia start from 20l0. And, for every supplementary card, a service with RM25 will be charged yearly. The governments impose this tax is because the users of credit card is increasing day to day. 1.3 Problem Statement This study analyzes the factors that influence the usage of credit card among IPTA and IPTS students. The research will give the opportunity to collect accurate data from the designed questionnaire in order to analyze the relationship of the variables. The following problem statement is supporting the research background of this study: To what extent do demographic, knowledge, kind of purchases, credit attitude, and family background influence the usage of credit card among IPTA and IPTS students? 1.4 Research Objectives Students attitudes towards credit card could play a vital role in determining its distribution. After figuring out the problem statement of this research, let go to the objectives of this research. The objective of this research is to distribute a proper framework and to analyze the factors that influence the usage of credit card among IPTA and IPTS students. From the research study also, it could assist to provide some suggestion to solve this problem. The three main objectives of this research study are: To investigate the role knowledge of credit card use plays in compulsive buying among the students. To test demographic. To compare the monthly usage of credit card among IPTA and IPTS students. To determine which factors is most significant effect towards usage of credit card among IPTA and IPTS students. 1.5 Significant of study It is important to study that how the credit card as a key of contribution to everyone no matter to bankers, users, society or among college students. Every companies and banks will benefit with owning a credit card. Mostly are those banks making money from the credit card companies? This is how it goes. If a bank agrees to take their customers deposit, they dont keep it all in the back. This is because there are only a small percentage of the bank customers will demand their money at any given time, a percentage of all deposits( vault cash), is kept on hand. Some of this cash will loan out to credit card companies so that they can finance the purchases their customers make, until the customer pays the credit card company back. Actually, most credit card companies are organized as banks, so that they are regulated in a different way than regular companies. As a result, the more money that is owed by bank or company, the more that bank or company is worth. This is because of the way the American accounting system works. Meanwhile, the main benefit to each customer is convenience. A credit card allows small short-term loans to be quickly made to customer who need not calculate a balance remaining before every transaction, provided the total charges do not exceed the maximum credit line for the card. Credit card also provides more fraud protection than the debit card for the users. Many credit cards offer rewards and benefits packages, such as offering enhanced product warranties at no cost, points which may be redeemed for cash, products, and also for the airline tickets. This makes the users feel more satisfaction about their services of owning a credit card. Additionally, carrying a credit card is more comfortable to some users either than carrying a bucket of cash in their pocket. On the other hand, owning a credit card also benefited to community. This is how they permit people around to make a large purchase, such as expensive materials or those for cars. This make the people can buy those things easier. Yet, with credit card be useful for emergencies use like medical bills. Also, credit card offer additional protection of purchases. Example, if the goods that already bought by people is lost or had been stolen, the credit card company can prove for the fact that people have made a purchase with original receipts. So that people do not need to worry too much because some credit card companies are offering insurance on credit card. With a credit card too, it can help to create entrepreneurs. Many entrepreneurs who were unable to get the bank loan will have to use credit card as a way to finance their projects. Although by this way it is extremely risky, there is no choice to help some entrepreneurs become more wealthy and successful in future. Nowadays, we might see many credit companies also set up target in campus areas to encourage college students for sign up their card. They might give free gift such as t-shits, umbrella, water bottles for those who signing up the card. Some research shows that students are valuable customers because they are loyal for their first card and will continue to make their purchases in future. With the credit card, students can make large purchases easily such as expensive text books, airline ticket, hotel room booking, garments, and etc. 1.6 Organization of study This research focus mainly on how credit card use by students of IPTA and also IPTS. This research project compromises of 3 main chapters. It consists of introduction and background, literature review, and also research methodology. The first chapter introduces the area of the study that mainly on the overview and background of the research and the concept of credit card, its advantages and disadvantages, and overview of the previous and current issues related to the topic, and followed by problem statement of this study. Problem statement is referred to a clear statement of the question or issues that to be investigated with the goal of finding and answer solutions. The second chapter is provides a review on the related literature on credit card and the factors that can affect its usage. Literature review is review of facts from past researchers who conducted theirs studies on the same field (usage of credit card) in order to support this research study. The effort to form literature review was done by the information gathering from the internet, journals article and other sources such as past researches journals and articles that is vital to form the literature review. The purpose is to find out all the facts, data and information required to support the topic selected. Besides that, this chapter also includes the review of literature that explains the relationship between each independent variables and dependent variable. The third chapter presents the organized research methodology by explaining the research techniques used in the collection and analysis of the survey data. It includes designation framework, area of study, population sample size, data collection methods are also included, and identifying the variables that consist of dependent variables and independent variables.