Abstract:
The objectives of this research were: 1) To study the demographic characteristics that affect spending with credit cards; 2) To study the service marketing mix that affects spending with credit cards; 3) To study the behavior that affects spending with credit cards. This research was quantitative research. A questionnaire was used as a tool to collect data from the population in Bang Khae area wita a total of 400 sets.
The research found that the service marketing mix (7Ps) which affeced spending with credit cards of Bank Krungsri Ayudhya at a high level were promotion and physical environment. The most influencing factor was promotion with a positive effect, and physical environment wiht a negative effect the significant 0.05 level.
Keywords: marketing mix factors, consumer behavior, credit card, Bank of Ayudhya