APA Style

(1091001097), H, A, S. (2014). The effect of credit card spending level, income level of credit card users, and credit card . Jakarta: Universitas Bakrie.

MLA Style

(1091001097), Harya, Aji, Sinatrya. "The effect of credit card spending level, income level of credit card users, and credit card". Jakarta: Universitas Bakrie, 2014. Printed.