Acknowledgement

I am highly thankful to those who made this report possible. First of all, gratitude goes to
Almighty Allah for helping me staying dedicated towards creating this report.

I would also like to convey special thanks to my course instructor Mashruha Zabeen for
giving me opportunity to enhance my knowledge by working on his assigned report. My
respected instructor has provided me with valuable knowledge and understanding on the
proposed topic and that is why I was able to proceed so far with my report. I would really
like to express my gratitude to him for giving precious advice and time, which helped
immensely in preparing the report.

Secondly, I would like to acknowledge my industry expert Mr. Abdul Jolil Khan Sales
Team Manager, The City Bank Ltd (card Division), for his valuable time and effort to help
me in this report. His experience has helped me to enhance my report to a good quality.

My warm gratitude also goes to my friends for their enthusiastic and encouragement and
help during the preparation of the report for their valuable suggestions.

I would like to thank the respondents who gave their valuable time in filling up the survey
papers which helped me reaching the required target of my study.
 Letter of Transmittal

Date: 14th December, 2017

Mashruha Zabeen
Senior Lecturer
Department of Business Administration
East West University
Dhaka, Bangladesh

Subject: Internship report on “Factors increasing the customer usage of Credit

Card in Bangladesh”

Honorable Mam,
With due respect and humble obedience, I would like to take the opportunity to state that
you have given me the chance to do my internship. It is a great pleasure that I have been
able to submit the internship report on Factors increasing the customer usage of Credit
Card in Bangladesh in due time. The whole experience of this internship program enabled
me to get an insight into the real-life situation. I have tried my best with my knowledge to
make a full-fledge report by analyzing all the requirements you have asked for. It was a
tremendous opportunity to get knowledge on the field. I think it can help me to build up a
terrific career.

I therefore, hope that you would be kind enough to go through this report for evaluating
my performance. I am always available for my classification if any part of this paper.

Sincerely yours,

------------------------
N. A. Khan Shishir

ID: #2013-2-10-128
 Students Declaration

I declare that all work submitted for assessment in this subject will be my own work and
does not involve plagiarism or teamwork other than that authorized in the general terms
above or that authorized for any particular piece of work. I understand that this
declaration covers all work submitted for assessment of Practicum Defense of Fall
2017, in this subject.

------------------------------
N. A. Khan Shishir
ID: #2013-3-10-128
Program: BBA
 Supervisor’s Declaration

I hereby declare that N. A. Khan Shishir, Id:# 2013-3-10-128, has completed the
internship report on entitled “Factors increasing the customer usage of Credit Card
in Bangladesh - on the basis of a survey of the customer and fulfilment of
requirements of Bachelor of Business Administration (BBA) Program in East West
University.

This paper has been prepared under my guidance and I wish this work carried out
successfully.

_________________

Mashrua Zabeen

Senior Lecturer

Department of Business Administration

East West University

 Abstract

A dramatic development has been seen in the banking sector of Bangladesh in recent
times. Use of credit card, a product of banks, is a relatively new phenomenon in
Bangladesh, and its market has been growing rapidly with the increasing acceptability of
plastic money in numerous outlets. However the advantages and different features still
not familiar to a major portion of the market. The complexity of human life can be reduce
by using credit cards. Consequently, in case of improvement of the living standards, credit
cards can play a vital role. Banks like The City Bank Ltd, Mercantile Bank Ltd, Standard
Chartered Bank, Prime Bank Ltd, Eastern Bank Ltd, Trust Bank Ltd., Dhaka Bank Ltd,
United Commercial Bank Ltd, and National Bank Ltd and so on issues credit cards in
Bangladesh. Consumers and merchants are benefited by credit cards by some unique
features which are provided by any other payment instruments. In terms of purchase and
balance transmission, credit cards already establish a strong position globally. Credit
cards which is also known as plastic money gained popularity as a payment medium
because of the convenience of not carrying cash. Credit cards provide consumers a
secure, reliable and convenient means of payment. Consumers often receive incentives
to use their credit cards such as dispute resolution services, frequent-use awards, and
interest-free short-term loans if no balances are carried between billing periods. This
research attempts to investigate the consumers’ perception of the factors which
influences the usage of credit cards. To conduct the research 20 bank account holders
are approached and analyzed. It significant relationship among – Usage intention are
affected by the features of credit cards, profession and usage behavior of the credit cards.
The research also reveals that there is no significant relationship among gender users to
use credit card frequently and there is no emotional attachment in case of using credit
cards but using credit card is something trendy in present times. The study recommends
to reduce the expenses and improve the security system of credit cards in Bangladesh.