Fatores explicativos para o uso de cartão de crédito por alunos do curso de gestão de cooperativas de universidades brasileiras

The objective of the study was to analyze the relationship between financial education and optimism as explanatory factors for the use of credit cards by students of the Cooperative Management course at Brazilian Universities. The sample comprises 112 responses from the survey applied to undergraduate students. The survey findings show that the largest share of students (77.68%) have a credit card, evidencing the accelerated growth in consumption levels. As for financial education, most students do not have a personal finance course. Financial educationhas a significant and negative relationship with the use of credit cards. Respondents were optimistic, but optimism has no significant relationship with credit card use. This study is important because it makes it possible to understand the factors that influence the use of credit cards.Keywords: consumption;indebtedness;financial education;optimism.