Leave Home without it? The Effects of Credit Card Debt and Available Credit on Spending
Leave Home without it? The Effects of Credit Card Debt and Available Credit on Spending
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DOI：
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发表时间：
2011
期刊：
影响因子：
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通讯作者：
E. Eisenstein
中科院分区：
文献类型：
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作者：
Keith Wilcox;Lauren G. Block;E. Eisenstein
这项研究考察了信用卡债务是如何影响消费者支出的。在五项实验和实地研究中，作者证明了未偿还的信用卡债务会增加自制力强的消费者的支出。他们还表明，这种影响可以通过增加信用卡上的可用信用额度来消除。因此，当可用信贷较低时，自制力较强的消费者增加支出，但当可用信贷较高时，他们减少支出。研究结果扩展了目标违反和自我控制的文献，并提供了对债务条件下消费者决策和消费模式的见解。
This research examines how credit card debt affects consumer spending. In five experimental and field studies, the authors demonstrate that outstanding credit card debt increases spending for consumers with high self-control. They also show that this effect can be eliminated by increasing the available credit on the credit card. Thus, when the available credit is low, consumers with greater self-control increase spending, but when the available credit is high, they reduce spending. The results extend the literature on goal violation and self-control and offer insights into consumer decision making and consumption patterns under conditions of debt.
最低付款额和补充信息披露对消费者债务偿还决策的影响
影响因子：
6.1
作者：
Navarro-Martinez D
通讯作者：
Navarro-Martinez D