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The purpose of this paper is to investigate the impact of credit card knowledge and financial self-efficacy toward credit card misuse and intention to reuse credit card. The technological breakthroughs and regulatory reforms of the past decades have brought payment media to the forefront of business, social and political interest. This research is a survey research that is conducted to understand the causal relationships between variables with the use of questionnaire as the instrument to obtain data. The questionnaire is distributed to 100 sample who fulfill the requirements. The sample of this research are adults in Pontianak that are at least 21 years old. In this research, the data analysis method used is Structural Equation Model Partial Least Square (SEMPLS) method. To conduct analysis using PLS method, this research is using smartPLS 3.0 software. The hypothesis of the research is H1 : Credit card knowledge have significant influence on credit card misuse, H2: Financial self-efficacy have significant influence on credit cards misuse, H3: Credit card knowledge have significant influence on intention to reuse credit cards, H4: Financial self-efficacy have signficant influence on intention to reuse credit cards, H5: Credit card misuse have significant influence on intention to reuse credit cards. The result of this research shows that H1, H4 and H5 are accepted but H2 and H3 are rejected.References A, F. (1984). "Many sides of the coin: The psychology of money usage. Personality and Individual Differences. 501-509.Ackert, L., & Church, B. (2015). Credit cards, financial responsibility, and college students: an experimental study. International Journal of Behavioural Accounting and Finance, Vol. 5 No. 1, 1-26.Aghazadeh, H., & Esfidani, M. R. (2007). Internet Marketing Strategies. 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