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THE NEW RULES OF CREDIT CARDS
credit-card issues consumers fuming over changes lawmakers delinquencies and defaults
2011/9/2
This article deals with credit-card issues facing consumers in the U.S. American cardholders are fuming over changes in the terms of the agreements they had with their credit-card companies. As a resu...
Payday Loans and Credit Cards: New Liquidity and Credit Scoring Puzzles?
liabilities and credit scores consumer credit market the effectiveness of consumers' ability lowest-cost credit options
2011/9/2
The article focuses on research into household choices between liabilities and credit scores in the consumer credit market. It examines the effectiveness of consumers' ability to prioritize the use of...
A simulation study of Basel II expected loss distributions for a portfolio of credit cards
Basel II consumer credit expected loss simulation
2011/8/22
Credit scoring models have been used traditionally as the basis of decisions to reject or accept credit applications. They are also used to categorize applicants or existing accounts into risk groups....
Why Free Markets Can Sometimes Turn into "Peacock Markets": The Evolution of Credit Cards
credit cards lock-in peacock regulation
2011/8/22
The credit card market has evolved into what is defined here as a "peacock market." Analogous to extravagant and inefficient male peacock displays, a "peacock market" has developed to become dominated...
Free Lunch: Arbitrage Profits Associated with Credit Cards
presents information credit card availability of arbitrage profits introductory balance transfer offers
2011/8/22
This article presents information about recent changes in credit card contracts and discusses the availability of arbitrage profits on introductory balance transfer offers. The article also reviews li...
Do Credit Cards Really Reduce Aggregate Money Holdings?
Aggregate money holdings Credit card
2011/8/22
This paper discusses whether the use of credit cards reduces aggregate money holdings in an economy. Applying and modifying the Baumol-Tobin model (Baumol Quarterly Journal of Economics 66:545-556, an...
Measuring college students' choice criteria of credit cards: scale development and validation
College students' choice criteria Credit cards scale development and validation
2011/8/22
Despite the growing debate about college students' credit card debt (Roberts 1998; Manning 1999; Warwick and Mansfield 2000; Palmer et al. 2001; McNamara 2003) and students' choice criteria of retail ...
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...