This paper would like to examine how financial related psychological factors such as financial stress, locus of control, financial risk tolerance reacts to responsible credit card payment behavior in pre-, during-, and post pandemic. Financial consumers can understand how their financial behavior changes in times of COVID-19 and think about how to contribute positively to the financial well-being of themselves and their families. Furthermore, this study will suggest that responsible financial behavior is needed even when unexpected crises such as COVID-19.

Accepted Poster Presentation