The introduction of credit Card is undoubtedly indeed larger step in achieving the social objectives which is expected from banking. It's treated as a standing symbol and as a vehicle of consumerism. But with increasing economic and financial liberalization, the growing prosperity of urban class, banks feel it desirable to enter this line of business. As of now, such a lot of banks are within the field besides, the non banking institutions. Initially the Credit card was created to assist the purchasers for his or her local small purchases, later on, Credit card has become predominant mode of shopping for goods and services. Within the present day world, the influence of credit cards, especially among the working party is widely felt regardless of age, gender, legal status, sector and income. This, by and enormous have a bearing on the choice making process of any consumer. Credit card wasn't a thing of person in previous days, thanks to the notion that, it's the  part of upper crust or high income group. But the growing consumerism broke all the notions and Credit card has become an indispensible means to create any transactions, be it shopping or using in crisis. Credit card was identified as a key area for investigation to see the influence, it's on buying behaviour of consumers. With this in mind, the researcher commissioned quantitative and qualitative research to explore consumer's understanding towards usage of credit cards, its influence on the determinants of shopping for behaviour and its impact on debt position and saving attitude followed by strategies for effective utilization of credit cards. The supply of easy and lots of credit product offerings to the consumers, aggravates the case. Hot cash there makes a person to be more cautious while spending, but credit cards gives him the correct to spend immediately, while he's spend conscious and thus his buying behaviour is influenced by credit cards. This anomaly makes both the firm and individual spending model non sustainable within the long term. Hence, the current study aims to know the characteristics of shopping for behaviour when it's influenced by credit cards after identifying a number of the key attributes.

Keywords: Credit Card, Shopping, Risk, Attributes of Consumer, Market Perception, Plastic Money.