APA (7th ed.) Citation

Siyal, S., Ahmad, R., & Ali, S. Debt trap dynamics: The moderating role of convenience, financial literacy, and religiosity in credit card usage. Elsevier.

Chicago Style (17th ed.) Citation

Siyal, Saeed, Riaz Ahmad, and Shamrez Ali. Debt Trap Dynamics: The Moderating Role of Convenience, Financial Literacy, and Religiosity in Credit Card Usage. Elsevier.

MLA (9th ed.) Citation

Siyal, Saeed, et al. Debt Trap Dynamics: The Moderating Role of Convenience, Financial Literacy, and Religiosity in Credit Card Usage. Elsevier.

Warning: These citations may not always be 100% accurate.