Today, payment systems and tools are becoming widespread. It is not only shopping but also payment instruments which do not require cash usage in a wide payment area such as increasing institutional payments, public transportation payments, payments for food and beverage vending machines are used. At the top of these payment instruments are credit cards that offer contactless transaction features, remote payment, online payment, and so on. With the expansion of the branch networks of the banks, the increase in the possibility of easy access to finance motivates the users to use new financial products and to consume future expected income in the future. Independent simple t-test, one-way anova, Kruskal-wallis, factor analysis methods were used in our study. It has been determined that credit cards are perceived by users as a form of financing and that credit cards are the top priority for collection.