Athiyaman, T., 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”. International Journal of Research -GRANTHAALAYAH, vol. 6, no. 6, June 2018, pp. 16-21, doi:10.29121/granthaalayah.v6.i6.2018.1330.