The purpose of this study was to identify the characteristics of late credit card bill payers. Data were collected through a questionnaire survey of 621 credit card users residing in five metropolitan cities including Seoul and Gyeonggi Province. The results indicated that credit card delinquents showed irrational behavior in managing the use of credit cards. That is, they unnecessarily subscribed for credit cards, used their credit cards without signature, or excessively used the credit cards regardless of their payment capability. From these study results, two recommendations were made : 1) consumer education on credit card use and credit management and 2) law revision on regulating credit card use.