Discriminating interest payer credit card holders from convenience users

Mohammad B. Naseri; Greg Elliott

Discriminating interest payer credit card holders from convenience users

Mohammad B. Naseri, Greg Elliott

Department of Management

Research output: Chapter in Book/Report/Conference proceeding › Conference proceeding contribution › peer-review

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Abstract

The likelihood of individuals’ assuming interest payments on credit card debt (in contrast to convenience use) and its determinants has not been thoroughly investigated. In this paper, the impact of socio-demographic and behavioural variables on consumers’ actual credit card borrowing behaviour is examined. The results demonstrate that variables such as age, employment, ethnical background and taking other interest-bearing products have a significant impact on assuming credit card debt. The predictive power of the model was found to be moderate, however, and perhaps not adequate for managerial purposes. Theoretical explanations were offered for observed relationships and future research avenues were identified.

Original language	English
Title of host publication	ANZMAC 2007
Subtitle of host publication	proceedings : 3Rs - reputation, responsibility and relevance
Editors	Maree Thyne, Kenneth R. Deans, Juergen Gnoth
Place of Publication	Dunedin, N.Z.
Publisher	University of Otago
Pages	2566-2572
Number of pages	7
ISBN (Print)	9781877156299
Publication status	Published - 2007
Event	Australian and New Zealand Marketing Academy Conference (2007) - Dunedin, New Zealand Duration: 3 Dec 2007 → 5 Dec 2007

Conference

Conference	Australian and New Zealand Marketing Academy Conference (2007)
City	Dunedin, New Zealand
Period	3/12/07 → 5/12/07

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http://conferences.anzmac.org/ANZMAC2007/papers/M%20Naseri_1a.pdf

Cite this

@inproceedings{bfed7619a8d94eb3b4291462e8bb2f0b,

title = "Discriminating interest payer credit card holders from convenience users",

abstract = "The likelihood of individuals{\textquoteright} assuming interest payments on credit card debt (in contrast to convenience use) and its determinants has not been thoroughly investigated. In this paper, the impact of socio-demographic and behavioural variables on consumers{\textquoteright} actual credit card borrowing behaviour is examined. The results demonstrate that variables such as age, employment, ethnical background and taking other interest-bearing products have a significant impact on assuming credit card debt. The predictive power of the model was found to be moderate, however, and perhaps not adequate for managerial purposes. Theoretical explanations were offered for observed relationships and future research avenues were identified.",

author = "Naseri, {Mohammad B.} and Greg Elliott",

year = "2007",

language = "English",

isbn = "9781877156299",

pages = "2566--2572",

editor = "Maree Thyne and Deans, {Kenneth R.} and Juergen Gnoth",

booktitle = "ANZMAC 2007",

publisher = "University of Otago",

note = "Australian and New Zealand Marketing Academy Conference (2007) ; Conference date: 03-12-2007 Through 05-12-2007",

}

Naseri, MB & Elliott, G 2007, Discriminating interest payer credit card holders from convenience users. in M Thyne, KR Deans & J Gnoth (eds), ANZMAC 2007: proceedings : 3Rs - reputation, responsibility and relevance. University of Otago, Dunedin, N.Z., pp. 2566-2572, Australian and New Zealand Marketing Academy Conference (2007), Dunedin, New Zealand, 3/12/07. <http://conferences.anzmac.org/ANZMAC2007/papers/M%20Naseri_1a.pdf>

Discriminating interest payer credit card holders from convenience users. / Naseri, Mohammad B.; Elliott, Greg.

ANZMAC 2007: proceedings : 3Rs - reputation, responsibility and relevance. ed. / Maree Thyne; Kenneth R. Deans; Juergen Gnoth. Dunedin, N.Z. : University of Otago, 2007. p. 2566-2572.

Research output: Chapter in Book/Report/Conference proceeding › Conference proceeding contribution › peer-review

TY - GEN

T1 - Discriminating interest payer credit card holders from convenience users

AU - Naseri, Mohammad B.

AU - Elliott, Greg

PY - 2007

Y1 - 2007

N2 - The likelihood of individuals’ assuming interest payments on credit card debt (in contrast to convenience use) and its determinants has not been thoroughly investigated. In this paper, the impact of socio-demographic and behavioural variables on consumers’ actual credit card borrowing behaviour is examined. The results demonstrate that variables such as age, employment, ethnical background and taking other interest-bearing products have a significant impact on assuming credit card debt. The predictive power of the model was found to be moderate, however, and perhaps not adequate for managerial purposes. Theoretical explanations were offered for observed relationships and future research avenues were identified.

AB - The likelihood of individuals’ assuming interest payments on credit card debt (in contrast to convenience use) and its determinants has not been thoroughly investigated. In this paper, the impact of socio-demographic and behavioural variables on consumers’ actual credit card borrowing behaviour is examined. The results demonstrate that variables such as age, employment, ethnical background and taking other interest-bearing products have a significant impact on assuming credit card debt. The predictive power of the model was found to be moderate, however, and perhaps not adequate for managerial purposes. Theoretical explanations were offered for observed relationships and future research avenues were identified.

M3 - Conference proceeding contribution

SN - 9781877156299

SP - 2566

EP - 2572

BT - ANZMAC 2007

A2 - Thyne, Maree

A2 - Deans, Kenneth R.

A2 - Gnoth, Juergen

PB - University of Otago

CY - Dunedin, N.Z.

T2 - Australian and New Zealand Marketing Academy Conference (2007)

Y2 - 3 December 2007 through 5 December 2007

ER -

Discriminating interest payer credit card holders from convenience users

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