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Article: Demographics, attitude, personality and credit card features correlate with credit card debt: A view from China

TitleDemographics, attitude, personality and credit card features correlate with credit card debt: A view from China
Authors
KeywordsAttitude
Credit Card Debt Behavior
Demographics
Personality
Issue Date2011
PublisherElsevier BV. The Journal's web site is located at http://www.elsevier.com/locate/joep
Citation
Journal Of Economic Psychology, 2011, v. 32 n. 1, p. 179-193 How to Cite?
AbstractWith the help of a commercial bank in China, we studied consumer credit card debt behavior. 2 in correlation with demographics, attitude, personality, and credit card features factors. The study was conducted by using mail-in questionnaires, which were sent to credit card holders who was using or had used either revolving credit or petty installment plans. According to regression functions, we found that demographic variables and credit card features had limited explanatory power compared to attitude variables and personality variables. Specifically, we found that revolving credit use and petty installment use were closely related to attitudes about credit cards, money and debt. Risk attitude efficiently predicted petty installment use; however, it did not correlate with revolving credit use. Personality factors of self-control, self-esteem, self-efficacy, deferring gratification, internal locus of control and impulsiveness were significantly correlated with revolving credit use; on the other hand, sensation seeking, impulsiveness, and deferring gratification were correlated with petty installment use. We also found that some credit card features easily led to an " illusion of income" that facilitated consumer credit card debt behavior. © 2010 Elsevier B.V.
Persistent Identifierhttp://hdl.handle.net/10722/168500
ISSN
2015 Impact Factor: 1.677
2015 SCImago Journal Rankings: 1.085
ISI Accession Number ID
References

 

DC FieldValueLanguage
dc.contributor.authorWang, Len_US
dc.contributor.authorLu, Wen_US
dc.contributor.authorMalhotra, NKen_US
dc.date.accessioned2012-10-08T03:19:40Z-
dc.date.available2012-10-08T03:19:40Z-
dc.date.issued2011en_US
dc.identifier.citationJournal Of Economic Psychology, 2011, v. 32 n. 1, p. 179-193en_US
dc.identifier.issn0167-4870en_US
dc.identifier.urihttp://hdl.handle.net/10722/168500-
dc.description.abstractWith the help of a commercial bank in China, we studied consumer credit card debt behavior. 2 in correlation with demographics, attitude, personality, and credit card features factors. The study was conducted by using mail-in questionnaires, which were sent to credit card holders who was using or had used either revolving credit or petty installment plans. According to regression functions, we found that demographic variables and credit card features had limited explanatory power compared to attitude variables and personality variables. Specifically, we found that revolving credit use and petty installment use were closely related to attitudes about credit cards, money and debt. Risk attitude efficiently predicted petty installment use; however, it did not correlate with revolving credit use. Personality factors of self-control, self-esteem, self-efficacy, deferring gratification, internal locus of control and impulsiveness were significantly correlated with revolving credit use; on the other hand, sensation seeking, impulsiveness, and deferring gratification were correlated with petty installment use. We also found that some credit card features easily led to an " illusion of income" that facilitated consumer credit card debt behavior. © 2010 Elsevier B.V.en_US
dc.languageengen_US
dc.publisherElsevier BV. The Journal's web site is located at http://www.elsevier.com/locate/joepen_US
dc.relation.ispartofJournal of Economic Psychologyen_US
dc.subjectAttitudeen_US
dc.subjectCredit Card Debt Behavioren_US
dc.subjectDemographicsen_US
dc.subjectPersonalityen_US
dc.titleDemographics, attitude, personality and credit card features correlate with credit card debt: A view from Chinaen_US
dc.typeArticleen_US
dc.identifier.emailLu, W:luwei@hku.hken_US
dc.identifier.authorityLu, W=rp00754en_US
dc.description.naturelink_to_subscribed_fulltexten_US
dc.identifier.doi10.1016/j.joep.2010.11.006en_US
dc.identifier.scopuseid_2-s2.0-78651453801en_US
dc.relation.referenceshttp://www.scopus.com/mlt/select.url?eid=2-s2.0-78651453801&selection=ref&src=s&origin=recordpageen_US
dc.identifier.volume32en_US
dc.identifier.issue1en_US
dc.identifier.spage179en_US
dc.identifier.epage193en_US
dc.identifier.isiWOS:000287058600016-
dc.publisher.placeNetherlandsen_US
dc.identifier.scopusauthoridWang, L=36680748500en_US
dc.identifier.scopusauthoridLu, W=27868087600en_US
dc.identifier.scopusauthoridMalhotra, NK=7006757478en_US
dc.identifier.citeulike8369902-

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