TJANDRANINGSIH, D. Credit Card Holders and Users as a Means of Payment in Legitimate Commercial Transactions. The International Journal of Education Management and Sociology, [S. l.], v. 3, n. 6, p. 341–353, 2024. DOI: 10.58818/ijems.v3i6.174. Disponível em: https://www.ijems.id/index.php/ijems/article/view/174. Acesso em: 18 apr. 2026.