Preprintgreen1999

Meet the New Borrowers

28 citations0/0 files storedSSRN Electronic Journal

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Financial Literacy, Pension, Retirement Analysis Banking stability, regulation, efficiency Credit Risk and Financial Regulations

Abstract

Credit card lenders have been writing off loans at sharply higher rates since 1995, suggesting that riskier borrowers are acquiring credit cards. What makes the new borrowers riskier--even more than their personal characteristics and attitudes toward debt--is the fact that they carry higher debt burdens and work in occupations where income may be more cyclical.

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1991The Failure of Competition in the Credit Card Market 1997Family Finance in the U.S.: Recent Evidence from the Survey of Consumer Finances

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2011Costly Contracts and Consumer Credit 2019Personal Bankruptcy Determinants Among U.S. Households During the Peak of the Great Recession

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