If you are not trusty in using your credit card over the net then expect a low score. lol

I recently did a market research survey which likewise was trying to find out about people's habits & attitudes about use of credit cards & business over the net. Seems to be the research topic of marketing companies nowadays. (This is the underlying theme!) lol

So if you get a low score in the above test, don't think it's a reflection of your generosity for sharing. (I'd prefer not to put what I think about the test in writing.)

IMHO

(Universities are often sponsored by business to do research for them!!!)