T. Athiyaman and V. Subramaniam, “ASSOCIATION BETWEEN DEMOGRAPHIC FACTORS AND ATTITUDE TOWARDS CREDIT CARD USAGE, AMONG THE HOUSEHOLDS IN KARAVEDDY DIVISIONAL SECRETARIAT IN JAFFNA DISTRICT - SRI LANKA”, Int. J. Res. Granthaalayah, vol. 6, no. 6, pp. 16–21, Jun. 2018.