			Home About us Contact

Credit Card Debt (credit + card_debt)

Distribution by Scientific Domains

Business, Economics, Finance and Accounting	80%

Selected Abstracts

Examining the Impact of Opportunity Bursaries on the Financial Circumstances and Attitudes of Undergraduate Students in England

HIGHER EDUCATION QUARTERLY, Issue 2 2009
Anne West
Notwithstanding the expansion of higher education across the OECD, there continues to be concern about the levels of participation amongst those from disadvantaged backgrounds. In response to this, a new form of financial support for students from low-income families, the ,opportunity bursary', was introduced for a limited period in England from 2001/02. Surveys of two cohorts of opportunity-bursary applicants were carried out and these suggested possible psychological, behavioural and economic impacts. Fewer opportunity-bursary recipients than non-recipients reported that part-time work had interfered with their studies and more reported that the bursary had made them less worried about meeting the costs of going to university. There was some evidence that the scheme led to increased retention in the first year of university study; it also appeared to lead to lower levels of debt, in particular bank overdrafts or credit card debt. [source]

Buying behavior, social support and credit card indebtedness of college students

INTERNATIONAL JOURNAL OF CONSUMER STUDIES, Issue 1 2009
Jeff Wang
Abstract This research examines three factors that are associated with college students' credit card indebtedness. Using survey data, we find that college students' buying patterns and social networks affect their credit card indebtedness. Specifically, students with a tendency towards compulsive buying are more likely and those with greater social support are less likely to hold credit card debts. Depth interview data further illustrate the contexts and causes of overusing credit cards as well as solutions for their debt problem. This research sheds light on reasons why college students fall into credit card debt and suggests strategies for helping them use credit cards wisely. [source]

Shopping behaviour among gay men: issues of internalized homophobia and self-esteem

INTERNATIONAL JOURNAL OF CONSUMER STUDIES, Issue 4 2007
Andrew Reilly
Abstract Connections among internalized homophobia, self-esteem and various shopping behaviours are investigated. Internalized homophobia, which affects nearly all gay men to some degree, and self-esteem may affect shopping behaviours such as credit card debt, venue of shopping, enjoyment from shopping, amount of time spent shopping and frequency of shopping. Data from 213 gay men were collected using an Internet-survey design. Results demonstrate that internalized homophobia has weak to moderate effects on thrift store shopping, discount store shopping and credit card debt. Although self-esteem did not predict shopping behaviour, it was correlated with shopping enjoyment. Implications, limitations and future research are discussed. [source]

What we want to do versus what we think we should do: an empirical investigation of intrapersonal conflict

JOURNAL OF BEHAVIORAL DECISION MAKING, Issue 5 2002
Kathleen M. O'Connor
Abstract People often feel torn between what they want to do and what they believe they should do. As a result, they experience intrapersonal conflict. For example, people know that they should avoid credit card debt, but they want to splurge on just one more purchase. Following Loewenstein's (1996) temporal perspective to understanding internal conflict and inconsistency, we offer three studies that empirically demonstrate (1) a distinction between the want self and the should self, (2) that behavior is more closely linked to the want self, (3) that the want self is the self that is temporally inconsistent, and (4) that adopting a want versus should perspective can have a significant impact on actual behavior. Copyright © 2002 John Wiley & Sons, Ltd. [source]