how can you ask the question of whether one has access to credit or not during data collection
During data collection, you can ask the following question to determine if someone has access to credit:
"Do you currently have access to credit or a credit card that you can use for financial transactions?"
Additionally, you can ask follow-up questions to gather more specific information:
1. "Have you ever applied for credit and been approved?"
2. "If you have access to credit, what is the approximate credit limit?"
3. "Do you have any outstanding loans or debts that you are currently paying off?"
4. "How frequently do you rely on credit for making purchases?"
5. "Are you currently using a credit card for day-to-day expenses?"
6. "Have you faced any difficulties in acquiring credit in the past?"
Remember to ensure that the participants understand the term "credit" and its implications before asking these questions.