... with reduced usage of credit cards and home mortgages, but not student debt, informal debt or buy-now-pay-later products in the Australian context. Research limitations/implications Debt aversion is not a distinct preference, although attitudes are important for explaining debt usage. Practical...

...Ali Bakhtiari; B.P.S. Murthi; Erin Marshall Steffes Purpose The purpose of this paper is to investigate whether the dynamic evolution of a credit card customer’s latent risk state helps in predicting delinquency. Further, we assess whether an analysis of customers’ spending categories is useful...

...Khan Jahirul Islam; Julien Picault Purpose This study investigates the credit card repayment behaviors of Canadian households, identifying factors affecting balance carrying, payment making and repayment delays. Design/methodology/approach The study uses data from five waves of the Survey...

...Keyvan Kasaian; B.P.S. Murthi; Erin Steffes Purpose The authors offer a new approach to segment credit card customers by classifying customers into two unobserved (latent) segments: opportunistic and needy. Design/methodology/approach The authors develop a finite mixture model to estimate...

...Keyvan Kasaian; B.P.S. Murthi; Erin Steffes Purpose This study examines the effect of credit card teaser rates on consumer indebtedness and the revenue generated by new customers. Design/methodology/approach A unique dataset from a national bank in the United States of America is utilized...

... reward programs Tie strength Credit cards Referral intentions Referral rewards are found to have been an effective promotion mechanism in increasing the size of the credit card market through maintaining the existing customer pool and attracting new customers (Kuester and Benkenstein, 2014...

...King Yin Wong; Michael Lynn Purpose The extant literature has mixed results regarding the credit card cue effect. Some showed that credit card cues stimulate spending, whereas others were unable to replicate the findings or found that cues discourage consumer spending. The purpose of this paper...

...Liqiong Lin; Mohamad Dian Revindo; Christopher Gan; David A. Cohen Purpose The rapid growth of credit card use in China poses the potential for card overuse and the accumulation of increased debt. The purpose of this paper is to report on an investigation into the determinants of overall credit...

...Christopher E.C. Gan; David A. Cohen; Baiding Hu; Minh Chau Tran; Weikang Dong; Annie Wang Purpose The purpose of this paper is to investigate the impact that several of these factors have on a consumer’s decision to hold a credit card, as well as those involved in determining the level of credit...

...Chris Baumann; Hamin Hamin; Wendy Ming‐Yen Teoh; Siong‐Choy Chong; Shi Mid Yong Purpose This paper explores factors affecting spending behavior of credit card holders in Malaysia. Specifically, variables such as demographic factors, banks’ policies, and credit card holders’ attitudes toward money...

...Charles Blankson; Audhesh Paswan; Kwabena G. Boakye Purpose The importance of and viability of the college student cohort for credit card firms and banks are well documented and so are the challenges facing marketers interested in this target market. The first purpose of this paper is to examine...

...Thomas Foscht; Cesar Maloles, III; Bernhard Swoboda; Swee‐Lim Chia Purpose This exploratory study seeks to explore the link between the choices of payment mode to customer satisfaction. It examines the Austrian market in relation to its choice and usage of debit cards versus credit cards and its...

...Matthew Tingchi Liu; James L. Brock Purpose This paper aims to identify the factors affecting the redemption of reward points, a form of customer loyalty program used by many Chinese credit card issuers. In addition it also assesses Chinese credit card users' level of awareness about the reward...

...Hooman Estelami; Steve Worthington; David Stewart; Xiongwen Lu Purpose The purpose of this paper is to present exploratory research into the holding and usage of credit cards by a distinct segment of the Chinese population, who are “early adopters” of this product. Design/methodology/approach...

... there is no particular evidence that Singaporeans behave differently from others in the credit card market, replication of the findings in other countries would confirm the generalizability of the findings in this study. Practical implications The results suggest that managers who market credit cards should aim...

...Steve Worthington Purpose The purpose of this paper is to explore the opportunities and challenges for “foreign” financial institutions who wish to enter the Chinese market. It uses the credit card product to illustrate the complexities of this market. Design/methodology/approach Building...

... respond to the revised credit card disclosure requirements, focusing specifically on college students. Design/methodology/approach Each subject was randomly assigned to one of two financial scenarios and asked to choose, among competing offers, the credit card that presented the “best” match...

...Stephanie Dellande; Andrew Saporoschenko This paper proposes a conceptualization of factors that influence the ability of individuals to reduce their personal unsecured debt levels, especially credit card debt. As such the paper's conceptualization offers relationship lessons for bank marketers...

... concerning the evolution to date of payment cards in China and the impediments that foreign entrants will face. China Financial services Credit cards Banking One way of circumventing this barrier would be to enter the Chinese market by establishing relationships with the emerging middle class...

... forming the traditional dyad is accepted, it has not been easy to determine empirically what it is that the different partners want from the relationship. In this paper we present a possible way forward. The preliminary work presented here is based on the affinity credit card market which has three clear...