The purpose of this study is to examine and analyse studies on article journals on the use of social commerce and how does it stimulate buying intention which lead to compulsive buying with the incurring of credit card debts among online users. Online users were then defined as social media-network users. It has been found through the article journals reviewed first; the more active online user was in using the social media-network platform the more likely will be involved in social commerce activities. Second, the more communications (customers reviews) transferred pertaining to purchasing; the higher motivation in inducing interest to buy products which can lead to compulsive buying. Thirdly, as subsequence to customers reviews, the offers of sales and promotions among companies who were using social commerce platforms increases the use of credit card and thus, incurred higher risk of becoming in debt towards financial instituions which can lead to psychological distress and unhappiness in workplace.
