Soewarno, L.E.S. et al. 2022. Effect of Promotional Mix on Credit Card Usage Decisions for Customers of PT BNI (Persero) Tbk Manado Area During the Covid-19 Pandemic. International Journal on Economics, Finance and Sustainable Development. 4, 6 (Jun. 2022), 92–101. DOI:https://doi.org/10.31149/ijefsd.v4i6.3205.