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Direct linkFagerstrom, Asle; Hantula, Donald A. – Psychological Record, 2013
Credit card debt is of increasing concern among college students, but reasons for it are not well understood. In a simulated shopping experiment based on a hyperbolic discounted utility model, 21 participants could either save money for a new model of their favorite mobile phone brand and get it in the future or buy the product on credit and get…
Descriptors: Credit (Finance), College Students, Foreign Countries, Consumer Economics
Lie, Celia; Hunt, Maree; Peters, Heather L.; Veliu, Bahrie; Harper, David – Psychological Record, 2010
The "credit card effect" describes a finding where greater value is given to consumer items if credit card logos are present. One explanation for the effect is that credit cards elicit spending behavior through associative learning. If this is true, social, economic and historical contexts should alter this effect. In Experiment 1, Year…
Descriptors: Foreign Countries, Purchasing, Credit (Finance), Value Judgment
