A survey on credit card usage and transactions.

[krish...@gmail.com]

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A survey on credit card usage and transactions.

Suppose, you went shopping on a busy Sunday evening and when you got back home, you realize you can't find your wallet! Yes, maybe you lost your wallet while walking through the crowded shops. It is also possible that someone stole it without of course, giving you an opportunity to realize its gone. Your wallet had some cash and a few cards. The moment you get to know you have lost your wallet, you get a panic attack and in case you had any valuable cards, you try calling the banks and block the cards to avoid any misuse. But, what if someone has already picked your wallet by then and happily shopped for a whopping amount using your credit card! The reason is, it takes just a matter of swipe, to shop using a credit card and anyone who has your card can use it! This is just an example, there are many more ways in which a credit card can be misused. So, this is an initiative by PESIT, Bangalore to stop such misuse of credit cards for which we require real-time statistics and analysis of such cases. Please support us by filling this survey form and circulating this to your friends. Note: This form is not a spam and in no way asks for your bank, credit card or any other confidential account details.

How old are you? *

• Less than 18 years old
• 18 - 35 years old
• 35 - 60 years old
• More than 60 years old

Do you own and use a credit card? *

• Yes, and I have only one credit card
• Yes, and I have more than one credit cards
• No, I don't have a credit card
• I don't own one, but sometimes I use my friend's/parent's credit card

How often do you use your credit card for shopping? *

• More than once a week
• Once in a week
• Once in a month
• Once in 3 months
• Once in 6 months
• Once in a year
• I never use credit cards for shopping

How much do you pay per transaction, while shopping with credit cards? * (Approximate value in INR)

• 0 - 5,000
• 5,000 - 10,000
• 10,000 - 25,000
• Above 25,000

Have you ever lost your credit card or was it ever stolen? *

• Yes
• No

Have you ever encountered a situation in which your credit card was fraudulently used? * (i.e despite the card not being lost/ stolen and you not using it, you got an SMS stating your card was used for a certain amount! )

• Yes
• No

In case your credit card was lost/stolen/fraudulently used, how long did it take you to realize? (i.e The time between last when you had your credit card and when you realize its been lost, stolen or misused?)

• Within an hour
• Within 12 hours
• Within 1 day
• Within 1 week
• Within 1 month
• After 1 month

In case your credit card was lost/stolen/fraudulently used, did you block it?

• Yes
• No

In case your credit card was lost/stolen/fraudulently used, did you lose any credits before you blocked the card? (i.e. Did someone use/swipe your credit card or attempted to do so?)

• Yes, someone used it and I got an SMS/e-mail from bank for the transaction
• Yes, someone used it but I did not get any SMS/e-mail from the bank
• No one used it
• Not sure if someone used it

In case your credit card was lost/stolen/fraudulently used, how many credits (INR) did you lose (i.e Shopping/Transaction amount for which someone swiped/misused your credit card )

• 0 - 5,000
• 5,000 - 10,000
• 10,000 - 25,000
• Above 25,000

In case your credit card was lost/stolen/fraudulently used, did you report the issue to the bank?

• Yes
• No

In case your credit card was lost/stolen/fraudulently used, did you get to know the location where it was swiped?

• Yes, someone swiped it in the same city/town where I live
• Yes, someone swiped it in the same state where I live
• Yes, but someone swiped it in a different state of India
• Yes, and someone swiped it outside of India
• No, I have no idea where my card was swiped

In case your credit card was lost/stolen/fraudulently used and you reported it to the bank, were any legal actions taken by the bank? (Actions such as refunding the illegal transaction amount, actions against the person who misused your card etc.)

• Yes
• No

Do you use a smartphone? *

• Yes
• No
• No, but planning to buy one soon

In case you use a smartphone, which operating system (OS) does it have?

• Android
• BlackBerry
• iOS (iPhone)
• Windows OS
• Symbian (S40, S60 etc.)
• Java
• Other

How do you think misuse of credit cards can be stopped when it is lost/stolen/fraudulently used/pin is hacked etc. ? (Other than blocking the card)

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