Theme: Consumer Behavior CONSUMER BEHAVIOR ANALYSIS IN USE CREDIT CARDS IN JAKARTA REGION Risna Sulistyawaty BACKGROUND The studies In the era of globalization is to make a transaction, it can be used a variety of means of payment, ranging from the most traditional, to the way that most modern. In line with the changing times found ways The most efficient and effective way to conduct payment transactions that the using a plastic card or better known as the credit card that is able to replace the function of money as means of payment. Credit cards can also used for various purposes that serve as means of payment in cash. The use of credit cards is felt more safe and practical for all purposes, as for the purposes of traveling cash, credit cards and even today can already be used for any form of payment internationally. Pioneer in the development of the credit card by Citibank Indonesia and Bank Duta. Today the type of credit cards in circulation are Master Card, Visa Card, Visa BCA, Dinner Club, Amex Card and other credit cards. Special to THEOLOGICAL PROBLEM Life in big cities are full of busy people tend to make want a fast-paced, simple and practical, including for activities consumptive. This phenomenon is by the credit card issuing bank as used reference to offer practicality and safety in the shop. The existence of the card This credit for some really supportive lifestyle adopted, so that they spend on almost any purchase of goods or merit. RESEARCH OBJECTIVES This study aims to determine the extent to which the type of credit card use can predict grouping consumers into user groups and group rather than credit card users besides what factors are to be motivate consumers to use and not use a credit card. RESEARCH METHODOLOGY Research Methods In this research study using field (field studies), a Non Experimental scientific studies that systematically studies the relationship or correlations and test hypotheses, and conducted in real-life situations (Kerlinger, 1986). Types and Sources of Data Research  researchers used a combination of data, namely: primary data by distributing questionnaires to consumers and secondary data obtained from several books, previous studies, and from the internet.      DATA ANALYSIS 1. reliability test: to determine whether the data collection tool essentially shows the level of precision, accuracy, stability or consistency of the tools in expressing certain symptoms of sekelompk individuals, although done at different times. In this study the reliability of the technique used Alpha is Cronnbach 2. validity test: to determine whether the measurement tools that have been developed totally measure what needs to be measured. Validity test is useful to determine how carefully perform the functions of a device size. In this study the validity done by correlating each question by the number of scores for each variable. Figures obtained by the statistical correlation should compared with the correlation table critiques values ​​of r (product moment). When r count > R the table means that the data is valid and fit for use in testing the hypothesis research. And vice versa if the count r