Ninety selected negro home demonstration club members active in Madison County, Tennessee in 1969 were studied to determine their consumer credit practices. Specific purposes were to: characterize club members in high, middle, and low income groups; determine which recommended practices they were using; and identify some of the factors that influenced them to adopt or reject the practices. It was found that all members were interested in the 34 practices and all were using about one third of them. High income respondents were closer to practice adoption than the low income respondents on 29 of the 34 recommended practices. Home demonstration club meetings, television, and the daily newspaper were the major sources of information on credit practices used by all respondents. The majority (94%) of all respndents were interested in attending one or more meetings on consumer credit. (Statistical tables and a bibliography are included.) (PT)