Çebi-Karaaslan, K.2026-03-262026-03-2620221746-006910.1504/IJEF.2022.1244782-s2.0-85135745850https://doi.org/10.1504/IJEF.2022.124478https://hdl.handle.net/20.500.14901/3474This study investigated the factors that affect households’ credit card usage and online shopping attitudes. The dataset of the study was provided by the Turkey Statistical Institute. The bivariate probit regression model was used in the work. As a result, it was determined that demographic, economic and environmental factors have significant effects on credit card use and online shopping attitudes. Knowing the characteristics of credit card and internet shopping users in light of the results, helps banks and shopping sites to determine advertising strategies. It will enable policy makers to raise awareness and protect the consumer and to implement them to stimulate the economy. © © 2022 Inderscience Enterprises Ltd.eninfo:eu-repo/semantics/closedAccessBivariate Probit ModelConsumer BehaviourCredit Card UseE-CommerceHousehold Budget SurveyShopping ExperienceSurvey DataTurkeyArticle