Credit Card Cue Effect: Debt-Related Thought as Mediating Variable of Credit Card Cues and Spending

Agustion Suhada (Master of Business Administration, School of Business and Management, Institut Teknologi Bandung, Jl. Ganesha No. 10, Bandung 40132, Indonesia)
Taufik Faturohman (Master of Business Administration, School of Business and Management, Institut Teknologi Bandung, Jl. Ganesha No. 10, Bandung 40132, Indonesia)

EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis
Vol 12 No 2 (2024): April

This study aims to examine the relationship between credit card cues, credit card associations (especially debt-related thought), and spending behavior in Indonesia. The data were collected through an online survey with 400 respondents and analyzed using PLS-SEM. The result showed that credit card cue has significant positive correlation to debt-related thought. Debt-related thought has no significant correlation to spending. Credit card cue has significant positive correlation to spending. Debt-related thought is not able to moderate credit card cues on spending which refers to direct only mediation.