The scope includes credit card usage pattern of different groups of employees in Pune city. This research work is a descriptive study about the socio-economic characteristics of the employed and the self-employed cardholders in Pune city. The employed includes both government (including semi-government employees) and private sector employees. The self-employed includes businessmen, the doctors, lawyers, consultants, chartered accountants and agents/brokers. It is a comparative study of spending and savings behaviour pattern of credit cardholders working in government and private 4 organizations and the self-employed. It also is a comparative study of credit card users and non-users with respect to their income, spending and savings. This study answers the questions like whether the age, gender, education, marital status, income and the organization where the cardholder is employed affects the spending behavior. For what purpose, what duration, and what frequency the credit card is used? What is the average amount of transaction per month? Whether the cardholders use the revolving line of credit facility i.e. whether they carry forward their payment to the next month and thereby have to pay interest? What is the amount of interest they pay? Are they into debt trap due to not paying the credit card dues? This study also finds out the difference between the spending and savings pattern of the cardholders and the noncardholders in Pune city.