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Due to the fact that credit card holders cancelled some of their credit cards more often than ever, it reveals a crisis for bankers facing a constant drop in royalty from their credit card customers. One of the main reasons is the attractive special promotion brought by competitors. Thus, maintenance of customer relationships with card holders is quite a challenging headache in every bank. Usually, installment can be divided into 3, 6, 12 or even 24 payments. The reason behind this offering is to ensure these credit card customers stay put and perhaps slide their cards a few more times before installments are paid off. This research is to perform a data mining analyzing customers'' psychological aspects toward shopping now and pay later as well as justifying for their value of existence in the whole business war of the so-called plastic money.
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