Credit cards weren't always made of plastic. There have been tokens made from metal coins, metal and celluloid plates, metal, paper and now especially plastic cards. American Express issued its first credit card in 1958. Bank of America issued the Bank Americard (now Visa) bank credit card later in 1958. Currently, some college students already have a credit card which some use for credit card purposes. emergency and while others use it as a substitute for cash. Researchers would like to know the factor that influences college students' perception of credit card use in their daily life in De La Salle Lipa, considering the convenience of using a credit card as the main factor why a college student want a credit card. in 2013, there were approximately 7.5 million Filipinos with certified credit cards. This number is expected to increase due to the growing number of middle classes and the continuous improvement of the economy (Moneymax.ph, 2014). According to the researcher's study, Filipinos are attracted to using credit cards because they want to have easy access. They can also buy the things they want even if they don't have enough money in time. This is also because marketers introduce these credit cards and make their customers believe that this is why they are forced to have one. Furthermore Terriljo (2013) stated that there were many attractive offers, benefits and discounts for a credit card holder. It also says that credit card holders will enjoy purchase protection, extended warranty, easy installment plans, and insurance packages, which is why Filipinos really wanted to have one. Some people believe that college students should have credit for emergency purposes, easier to get a...... middle of paper ......d from http://www.pinoysg.com/forum/viewtopic.php ?p=1119984) http://www.moneymax.ph/blog/credit-card-dos-donts-financially-savvy-filipino/ Posted by MoneyMax.ph on January 17, 2014 | Filed in Credit Cards, Lifestyle - See more at: http://www.moneymax.ph/blog/credit-card-dos-donts-financially-savvy-filipino/#sthash.aCBbHuKP.dpuf Things to Do and Don'ts with Credit Cards for the Financially Savvy Filipino http://brighterlife.com.ph/2013/08/28/demystifying-the-credit-card/ http://www.investopedia.com/university /credit-cards/credit-cards6. asp http://inventors.about.com/od/cstartinventions/a/credit_cards.htm http://history1900s.about.com/od/1950s/a/firstcreditcard.htm http://www.creditcards.com/credit -card-news/credit-cards-history-1264.php http://www.thesimpledollar.com/a-fascinating-look-at-edward-bellamy-inventor-of-the-credit-card/