Credit card payment has been flourishing in marketing transaction in the United States for decades, while variety of consumer behavior and digital development bring about new impacts on financial theft. The gender, the credit card knowledge, and country-based institutions would be some significant consumptions habits aspects that related to the credit card theft. Furthermore, consumers consider online shopping with credit card payment as a riskier but more effective purchase approach compared

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... the traditional shopping. Based on the past results, the easy conducts the survey study by five-point Likert response scale method with face-to-face questionnaire on students, exploring their credit cards consumption habits deeper, including related knowledge, lifestyle outcomes of usage and usage practices. The findings reveal that firstly the relationship between the card ownership time and consumption increase is inverse. Consumer owning credit cards over five years would be more likely to gain short-term financial support via credit card. Additionally, students' attitudes towards credit cards are turning negative over time, leading to the decline of the number and the usage of the credit card. Finally, although the consumers believe the online shopping is riskier, they still seek for the convenience or time saving from this purchase pattern, putting more risk on the theft of credit cards.