In the contemporary era, credit cards have emerged as a favoured payment method, colloquially known as "plastic money." The usage of credit cards in Hyderabad, India has witnessed a significant upsurge, compelling researchers to probe their impact on consumer behavior and the advantages they proffer. This study endeavours to investigate the influence of credit cards on consumer behavior and their benefits for individuals in Hyderabad, India. A questionnaire was administered to 42 participants consisting of academicians, bank managers, and credit card users, gathering demographic information such as gender, income, and educational background. The data was analyzed utilizing chi-square and modeling analysis to determine any correlations between customer information and credit card usage behavior. The results reveal a positive association between customer information and credit card usage behavior. Additionally, the study proposes that financial institutions in Hyderabad must provide explicit and comprehensive information and services to cater to the escalating demand for credit card usage. To conclude, this study accentuates the burgeoning popularity of credit cards in Hyderabad and underscores the need for financial institutions to accommodate this trend.