ABSTRACT: Online transactions are prevalent nowadays as we move to a more digital world at a fast pace. Related to this is the embracing of cashless modes of payment like the use of credit cards which are sometimes uncontrollable and can lead to piling of debts. Other studies focused on what influences buying behavior but little is known about credit card behavior. The main objective of this study is to determine the relationship between online transaction trends and credit card behaviors. The chosen respondents for this study are the DWCC Faculty and Employees owning credit cards. The independent variable is the online transaction trends with indicators such as trust, convenience, time, privacy, and pricing while the dependent variable has indicators of usage frequency and credit card balance. After data collection and analysis, only privacy and pricing of online transaction trends have a significant relationship with usage frequency of credit card behavior.

KEYWORDS – credit card behavior, online transaction trends, pricing, privacy, usage frequency