Credit cards have a significant impact on consumer credit but also why consumers use their credit cards. Previous studies on credit cards have focused on the financial reasons why (or why not) consumers use credit cards. However, with the proliferation of credit card use, as individual consumers use various cards, and the focus on social impact for this conference, this preliminary research study focuses on how personality, risk tolerance, and religion impact consumer credit card usage, with eventual implications and future research opportunities in social impact and sustainability. This study suggests a direction for future value-driven consumer research related to consumers’ credit card usage influencing sustainable mindfulness and social impact. The presence of religion has the effect of controlling the impact of personality and risk tolerance on consumer credit card usage, which in turn, can influence the mindfulness of prosocial, sustainable mindfulness and consumption behaviors.