Although credit card services have been available in Kenya for some time, the usage has not grown significantly. The purpose of this paper is to find out how the marketing practices of banks that issue credit cards affect their usage. A cross-sectional survey was conducted through the use of a structured questionnaire that was administered to 390 respondents.Stratified random sampling was used and the respondents were approached at large shopping malls in Nairobi. The results indicate that marketing practices - product, price, promotion, place, people, process and physical evidence affect credit card usage. The findings will be useful to banks that issue credit cards, as they provide informa
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