L. E. S. . Soewarno, W. J. A. . Tumbuan, and A. H. . Jan, “Effect of Promotional Mix on Credit Card Usage Decisions for Customers of PT BNI (Persero) Tbk Manado Area During the Covid-19 Pandemic”, IJEFSD, vol. 4, no. 6, pp. 92–101, Jun. 2022.