College students and credit card companies: Implications of attitudes

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dc.contributor.authorSingh, Shweta
dc.contributor.authorRylander, David
dc.contributor.authorMims, Tina C.
dc.creator.orcidhttps://orcid.org/0000-0002-7778-0290
dc.date.accessioned2023-03-29T16:06:55Z
dc.date.available2023-03-29T16:06:55Z
dc.date.issued2016
dc.descriptionArticle originally published in Journal of Financial Services Marketing, 21(3), 182–193. English. Published online 2016. https://doi.org/10.1057/s41264-016-0007-0
dc.description.abstractMore knowledge and understanding is needed regarding the mechanisms influencing college student attitudes toward credit card companies and the behavior that students exhibit using credit cards. Prior literature in the area has been sparse. The current article is an attempt to fill the gap in existing literature. Using survey data, we try to find the determinants of college student attitude toward credit card companies and the responsible use of credit cards. Our findings indicate that a strong positive link exists between student attitude toward credit card companies and responsible credit behavior. Two distinct groups of students are identified – one with a positive attitude toward credit card companies and positive credit use behaviors; the other with the opposing attitude and behavior. Reward cards, payment behavior, number of credit cards, modes of acquisition, awareness about credit card policies, purpose for using credit cards, impulsiveness and certain student characteristics are all indicated as variables that help discriminate between the two different student groups. Our findings have implications for both higher education institutions and credit card firms.en_US
dc.identifier.citationThis is the post-print of an article that is available at https://doi.org/10.1057/s41264-016-0007-0. Recommended citation: Singh, S., Rylander, D. H., & Mims, T. C. (2016). College students and credit card companies: Implications of attitudes. Journal of Financial Services Marketing, 21(3), 182–193. This item has been deposited in accordance with publisher copyright and licensing terms and with the author’s permission.en_US
dc.identifier.urihttps://hdl.handle.net/11274/14761
dc.identifier.urihttps://doi.org/10.1057/s41264-016-0007-0
dc.language.isoen_USen_US
dc.publisherPalgrave Macmillanen_US
dc.subjectCredit cardsen_US
dc.subjectStudentsen_US
dc.subjectAttitudesen_US
dc.subjectDebten_US
dc.subjectModes of acquisitionen_US
dc.subjectCredit behavioren_US
dc.titleCollege students and credit card companies: Implications of attitudesen_US
dc.typePost-Printen_US

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