In recent years, there has been a dramatic increase in the number of credit card usage among university students. Credit cards can be a convenient payment tool that gives university students a number of advantages and benefits to learn financial responsibility when it can be used in a controlled and responsible manner. On the other hand, using credit cards also have serious financial consequences when mismanagedly used. The excessive credit card debt and overdue payments give burden on university students’ shoulders before starting their full-time jobs. Besides that, when the other debts such as education credits are added, inevitable stress and anxiety make negative impacts on their newly started adult life. Also, lack of experience on using credit cards and personal financial information, tend to put some students at a higher financial risk due to a large and perhaps unmanageable debt burden. Therefore, rising number of students who use credit cards increases the concern for these long-term negative results of the credit card. In this context, we aim to evaluate the basic demographic and socio-economic factors that affect the attitudes of Kırklareli University students towards credit card ownership, credit card usage, and to evaluate the students' ability to manage their financial situation.

Consumption is defined as the use of goods and services produced in order to meet the needs and demands. However, the goods and services consumed are not only indicator of purchase power but also social status. At this point, the aim of conspicuous consumption comes to the fore. Conspicuous consumption for social status was first discussed by Thorstein Veblen in his book, The Theory of The Leisure Class, in 1899. According to Veblen, this kind of consumption is carried out in order to raise the social status by the upper social class and other classes trying to be similar to them rather than to the need. The views of Veblen are important when considered today's consumer society and constitute an important point of reference for gaining an insight into the world of over-consumption, especially for the younger generations. For this reason, in our study, we aim to conduct a questionnaire for Kırklareli University students in order to understand how the concept of conspicuous consumption has acquired dimension for university students. As a result of the study, it will be tried to determine whether the students have conspicuous consumption; which factors are affected if the students turn to conspicuous consumption and whether the students have loaded symbolic meanings to the commodities they purchased.