The monetary rattle between consumption and affordability slammed the household severely for every now and then in all spheres of life from one pole to another. This research is an encomium on the charisma of plastic money, its usability and affordability while they are impacting on its preference to use. Friends and Family have an influence on the use of plastic money which is taken as a proxy of plastic money charisma while convenient use of plastic money along with spending adjustment and use of plastic money along with prediction of future income are the proxies of its usability and affordability. The findings reveal that the Plastic money has a charismatic appeal as it has an influential effect which is often endorsed by the family and friend. While, it is also investigated and concluded that plastic money also has its usability and affordability for the consumers.
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