...Jing Jian Xiao; Rui Yao Purpose In recent decades, research on consumer debt and well-being is emerging. However, research on the potential effect of debt portfolios on family financial well-being is limited. The purpose of this study is to fill this research gap by examining the potential effect...

... participants to test the hypothesized model. Findings After being shown credit card cues, spendthrift participants had more spending-related thoughts and less debt-related thoughts, perceived themselves as having better financial well-being and consequently spent more than tightwad participants...

... they have already maximised their existing limits, and/or have been denied additional credit limits with their current and/or other credit card providers. Consumers have also been refused additional borrowing on secured credit, either because of existing debt burdens and/or lack of loan availability...

...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...