“…In order to collect data, 16 credit card users from three primary states in Malaysia: Pulau Pinang, Kuala Lumpur and Johor Bharu were interviewed. These three states are recognised as having a high population and developed in Malaysia (Ansar, Karim, Osman, & Fahmi, 2019;Nayan, Jones, Bahaluddin, Ghani, & Rahman, 2020). To get more precise data on the informant's experiences, an in-depth interview was carried out, specifically semistructured interviews.…”