Purpose: The study is undertaken to look into the particular under-researched relationship between ‘possession structure’ and ‘money structure’ in an emerging industry. It falls in the list of first research, to help apply both equally one and reduced-form formula procedures using a screen data strategy. Methodology: The study applies econometrics modeling, using both single equation and reduced equation models, for panel data. Findings: Credit card has been an enough experience for the credit card users. The capital is intensive in nature, in order to have a long-term relationship between capital and techniques for users. Institutional stakeholders are included in this perspective as the substantial potential knowledge for the collection and the interpretation of the information for any efficiency in the research. Practical implications: The reasonable ramifications of this study explain financial specialists and supervisors ought to consider both capital structure and possession structure when they take their speculation choices. Originality: This is the first investigation of cooperation between institutional proprietorship and capital structure in Jordan, where there are contrasts in terms of institutional and budgetary structures, as compared to those in created markets.