The Credit Card Use and Debt: Is there a trade-off between compulsive buying and ill-being perception?

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• 作者：Kelmara Mendes Vieira^a ; ^{kelmara@terra.com.br" class="auth_mail" title="E-mail the corresponding author} ; Marta Olivia Rovedder de Oliveira^a ; ^{mrovedder@gmail.com" class="auth_mail" title="E-mail the corresponding author} ; Franciele Inê ; s Reis Kunkel^b ; ^{francikunkel@hotmail.com" class="auth_mail" title="E-mail the corresponding author}
• 关键词：D120 ; D140 ; M310
• 刊名：Journal of Behavioral and Experimental Finance
• 出版年：2016
• 出版时间：June 2016
• 年：2016
• 卷：10
• 期：Complete
• 页码：75-87
• 全文大小：1381 K

文摘

The differential of this paper is to consider that compulsive buying and ill-being perception constructs act in opposite dimensions on credit card use and debt. While compulsive buying leads the individual to a higher credit card usage and therefore more debt, the perception that future financial problems would cause ill-being acts as a controlling force of the credit card use and consequently of the debt. Besides the model development, this study aims to evaluate if the model is suitable for men and women. A survey was conducted with 1831 individuals of three regions of Brazil. Results support the idea that in the purchase decision-making process with credit card, two forces act in opposite directions, while the compulsive buying stimulates usage and debt, the ill-being perception discourages it. However, this trade-off is unbalanced, because the impact of compulsive buying’s coefficients is superior to the ill-being perception ones.