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Consumer Choice and Use of Bank Credit Cards: A Model and Cross-Section Results

Consumer Choice and Use of Bank Credit Cards: A Model and Cross-Section Results Abstract This study identifies and analyzes some of the factors influencing the consumer's decision to use bank credit cards versus checking accounts. A model is developed to incorporate the costs of using different transactions vehicles into the consumer's decision process. The model is tested empirically with a cross section sample of consumers. This content is only available as a PDF. Author notes * Assistant Professor of Economics, Rice University. The author would like to thank Donald Hester, Arthur Goldberger, and Robert Cramer for helpful comments and discussion. Research support is acknowledged from the AVCO Financial Services Foundation, the Social Science Research Council, the Ford Foundation, the National Science Foundation, and the University of Wisconsin Graduate School. Immeasureable support was given by the officers and staff of the cooperating bank. © JOURNAL OF CONSUMER RESEARCH http://www.deepdyve.com/assets/images/DeepDyve-Logo-lg.png Journal of Consumer Research Oxford University Press

Consumer Choice and Use of Bank Credit Cards: A Model and Cross-Section Results

White, Kenneth, J.
Journal of Consumer Research , Volume 2 (1) – Jun 1, 1975
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Publisher
Oxford University Press
Copyright
© JOURNAL OF CONSUMER RESEARCH
ISSN
0093-5301
eISSN
1537-5277
DOI
10.1086/208611
Publisher site
See Article on Publisher Site

Abstract

Abstract This study identifies and analyzes some of the factors influencing the consumer's decision to use bank credit cards versus checking accounts. A model is developed to incorporate the costs of using different transactions vehicles into the consumer's decision process. The model is tested empirically with a cross section sample of consumers. This content is only available as a PDF. Author notes * Assistant Professor of Economics, Rice University. The author would like to thank Donald Hester, Arthur Goldberger, and Robert Cramer for helpful comments and discussion. Research support is acknowledged from the AVCO Financial Services Foundation, the Social Science Research Council, the Ford Foundation, the National Science Foundation, and the University of Wisconsin Graduate School. Immeasureable support was given by the officers and staff of the cooperating bank. © JOURNAL OF CONSUMER RESEARCH

Journal

Journal of Consumer Research – Oxford University Press

Published: Jun 1, 1975

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