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Sustained Credit Card Borrowing

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References

2001The Hyperbolic Consumption Model: Calibration, Simulation, and Empirical Evaluation1,000 cited
2009Present-Biased Preferences and Credit Card Borrowing798 cited
1991The Failure of Competition in the Credit Card Market783 cited
2011Information Disclosure, Cognitive Biases, and Payday Borrowing546 cited
2014Consumer Financial Protection Bureau333 cited
2008Financial Literacy: An Essential Tool for Informed Consumer Choice?326 cited
2015Financial literacy: Do people know the ABCs of finance?277 cited
2007Bankruptcy Reform and Credit Cards232 cited
1994Consumer Behavior and the Stickiness of Credit Card Interest Rates193 cited
2019How Do Individuals Repay Their Debt? The Balance-Matching Heuristic166 cited
2017Borrowing on the Wrong Credit Card? Evidence from Mexico160 cited
2011Minimum Required Payment and Supplemental Information Disclosure Effects on Consumer Debt Repayment Decisions125 cited
2018Minimum payments and debt paydown in consumer credit cards122 cited
2018Sticking to Your Plan: The Role of Present Bias for Credit Card Paydown83 cited

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2020The credit consequences of unpaid medical bills

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2024Financial knowledge and responsible credit card behavior: exploring mediators and moderators16 cited

2023Revolving versus Convenience Use of Credit Cards: Evidence from U.S. Credit Bureau Data13 cited