This study analyzes credit card usage behavior of unemployed individuals whose intentions and behaviors are measured by a measurement tool within the framework of Theory of Planned Behavior. The relationships between the latent variables (attitudes, intentions and behaviors regarding the use of credit card) are described with a proposed Structural equation model (SEM). The research has tested the proposed model considering a variety fit index. The findings indicate that the model is appropriate. According to the results, although unemployed individuals have negative attitudes towards using credit cards, they have to use them because of their low-income. If unemployed individuals believe that they can control their behaviors, this creates a positive cause for credit card usage. Moreover, if the unemployed individuals are not supported by their families, their intentions and behaviors regarding the usage of credit card will decrease.