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Credit Card Structures: Surviving the "Worst Case" Scenario
Credit Card Structures hard times credit card lenders credit card structures
2011/9/2
In this update to "Credit Card Structures and Their Ability to Weather Hard Times" published in the Spring 2008 issue of The Journal of Structured Finance, the author notes that the "hard times" refer...
The article discusses a system for detecting the presence of credit card information on magnetic strips. Police in Nevada were puzzled to find criminals carrying large numbers of hotel keys. It turned...
Concern with Immediate Consequences Magnifies the Impact of Compulsive Buying Tendencies on College Students' Credit Card Debt
temporal orientation compulsive buying tendencies compulsive buying scale immediate consequences
2011/8/30
This research examines whether temporal orientation moderates the impact of compulsive buying tendencies (CBT) on credit card debt. Participants completed the consideration of future consequences scal...
Predicting New Customers' Risk Type in the Credit Card Market
Bayesian estimation customer relationship management market segmentation risk prediction
2011/8/30
Recent studies in marketing have consistently shown that all customers are not equally profitable. In the credit card business, all customers are not equally risky. When a customer misses one payment ...
Is that a business credit card in your wallet?
business credit cards Exploitative practices legal protections
2011/8/28
The article examines use of business credit cards by small business. Research is cited indicating that credit cards are the leading source of capital for small business and of small business lending. ...
A Model of Money and Credit, with Application to the Credit Card Debt Puzzle
credit card debt high interest rates low rates dominance puzzle
2011/8/26
Many individuals simultaneously have significant credit card debt and money in the bank. The credit card debt puzzle is as follows: given high interest rates on credit cards and low rates on bank acco...
Consumer credit card ownership and usage practices: empirical evidence from Sri Lanka
Consumer credit card ownership credit card usage credit cards
2011/8/26
Knowledge that has been accumulated through research efforts concerning credit card ownership and usage behaviour has been confined to Western societies. Given the importance of cross-national applica...
WHERE IS THE MISSING CREDIT CARD DEBT? CLUES AND IMPLICATIONS
comparable estimates aggregate credit card industry data credit card borrowing and outcomes of interest
2011/8/26
I create comparable estimates of aggregate credit card use based on household data from the Survey of Consumer Finances (SCF) and industry data. The two sources match up well on credit card charges an...
The Failure of Price Competition in the Turkish Credit Card Market
banking credit cards price competition system GMM
2011/8/23
The failure of competition and the consequent high and sticky interest rates in credit card markets have recently been the subject of considerable debate and research. This paper presents the first re...
FACTORS AFFECTING THE GROWTH OF BANK CREDIT CARD AND CHECK CREDIT
regulatory and economic determinants credit-card general credit restraint temporary aberrations
2011/8/22
The purpose of this study is to update previous studies ([1], [2], [3], [4], [5], [7], [8]) using new data where possible and updated data series to resolve open issues relating to the regulatory and ...
Do Credit Card Users Systematically Underestimate Their Interest Rates? Evidence from the Survey of Consumer Finances
bias credit cards interest rate optimism penalty rate
2011/8/22
This study examines credit card penalty pricing using data from the Survey of Consumer Finances. In particular, the author uses a flag in the data set for the first time to analyze bias in reported cr...
The value of credit card benefits
various economic incentives credit card cash payment float
2011/8/22
Banks offer various economic incentives to customers to pay with their credit card rather than cash. Still, many individuals either elect to pay with cash or are unable to acquire credit cards. What b...
The Importance of Adverse Selection in the Credit Card Market: Evidence from Randomized Trials of Credit Card Solicitations
adverse selection consumer credit credit cards household finance
2011/8/22
Analyzing unique data from multiple large-scale randomized marketing trials of preapproved credit card solicitations by a large financial institution, we find that consumers responding to the lender's...
THE "NEGATIVE" CREDIT CARD EFFECT: CREDIT CARDS AS SPENDING-LIMITING STIMULI IN NEW ZEALAND
conditioning credit card effect credit cards perceived value
2011/8/22
The "credit card effect" describes a finding where greater value is given to consumer items if credit card logos are present. One explanation for the effect is that credit cards elicit spending behavi...