Discriminating interest payer credit card holders from convenience users

Mohammad B. Naseri, Greg Elliott

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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 languageEnglish
Title of host publicationANZMAC 2007
Subtitle of host publicationproceedings : 3Rs - reputation, responsibility and relevance
EditorsMaree Thyne, Kenneth R. Deans, Juergen Gnoth
Place of PublicationDunedin, N.Z.
PublisherUniversity of Otago
Number of pages7
ISBN (Print)9781877156299
Publication statusPublished - 2007
EventAustralian and New Zealand Marketing Academy Conference (2007) - Dunedin, New Zealand
Duration: 3 Dec 20075 Dec 2007


ConferenceAustralian and New Zealand Marketing Academy Conference (2007)
CityDunedin, New Zealand


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