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- Publisher Website: 10.1016/j.joep.2010.11.006
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Article: Demographics, attitude, personality and credit card features correlate with credit card debt: A view from China
Title | Demographics, attitude, personality and credit card features correlate with credit card debt: A view from China |
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Authors | |
Keywords | Attitude Credit Card Debt Behavior Demographics Personality |
Issue Date | 2011 |
Publisher | Elsevier 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? |
Abstract | With 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 Identifier | http://hdl.handle.net/10722/168500 |
ISSN | 2023 Impact Factor: 2.5 2023 SCImago Journal Rankings: 1.404 |
ISI Accession Number ID | |
References |
DC Field | Value | Language |
---|---|---|
dc.contributor.author | Wang, L | en_US |
dc.contributor.author | Lu, W | en_US |
dc.contributor.author | Malhotra, NK | en_US |
dc.date.accessioned | 2012-10-08T03:19:40Z | - |
dc.date.available | 2012-10-08T03:19:40Z | - |
dc.date.issued | 2011 | en_US |
dc.identifier.citation | Journal Of Economic Psychology, 2011, v. 32 n. 1, p. 179-193 | en_US |
dc.identifier.issn | 0167-4870 | en_US |
dc.identifier.uri | http://hdl.handle.net/10722/168500 | - |
dc.description.abstract | With 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.language | eng | en_US |
dc.publisher | Elsevier BV. The Journal's web site is located at http://www.elsevier.com/locate/joep | en_US |
dc.relation.ispartof | Journal of Economic Psychology | en_US |
dc.subject | Attitude | en_US |
dc.subject | Credit Card Debt Behavior | en_US |
dc.subject | Demographics | en_US |
dc.subject | Personality | en_US |
dc.title | Demographics, attitude, personality and credit card features correlate with credit card debt: A view from China | en_US |
dc.type | Article | en_US |
dc.identifier.email | Lu, W:luwei@hku.hk | en_US |
dc.identifier.authority | Lu, W=rp00754 | en_US |
dc.description.nature | link_to_subscribed_fulltext | en_US |
dc.identifier.doi | 10.1016/j.joep.2010.11.006 | en_US |
dc.identifier.scopus | eid_2-s2.0-78651453801 | en_US |
dc.relation.references | http://www.scopus.com/mlt/select.url?eid=2-s2.0-78651453801&selection=ref&src=s&origin=recordpage | en_US |
dc.identifier.volume | 32 | en_US |
dc.identifier.issue | 1 | en_US |
dc.identifier.spage | 179 | en_US |
dc.identifier.epage | 193 | en_US |
dc.identifier.isi | WOS:000287058600016 | - |
dc.publisher.place | Netherlands | en_US |
dc.identifier.scopusauthorid | Wang, L=36680748500 | en_US |
dc.identifier.scopusauthorid | Lu, W=27868087600 | en_US |
dc.identifier.scopusauthorid | Malhotra, NK=7006757478 | en_US |
dc.identifier.citeulike | 8369902 | - |
dc.identifier.issnl | 0167-4870 | - |