Purpose: This research attempts to analyze the impact of demographic factors and card ownership characteristics of Lebanese people on credit spending, and to investigate how total spending varies with respect to the selected variables. Design/methodology/approach: Deductive and quantitative in nature, this study relies on a sample of 2,169 cardholders over a period of sixteen years (2000-2016), and tests nine research hypotheses relating demographic factors and card owner ship characteristics to total spending per client “TSC”. Findings: The findings show that gender, income, settlement method, ...