“The Impact of Demographic, Socio-economic and Behavioral Characteristics on Attitudes Toward Credit Cards in Macedonia”, Mediterr. J. Soc. Sci., vol. 3, no. 9, p. 199, Apr. 2012, Accessed: Jan. 04, 2025. [Online]. Available: https://www.richtmann.org/journal/index.php/mjss/article/view/11303