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Consumers and credit cards: A review of the empirical literature

Consumers and credit cards: A review of the empirical literature 2026

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The document is a literature review on consumer attitudes and behaviors regarding credit cards, authored by Phylis M. Mansfield, Mary Beth Pinto, and Cliff A. Robb. It analyzes 537 scholarly articles published between 1969 and 2012, narrowing down to 103 relevant studies. The review highlights the evolution of research from descriptive characteristics to psychological constructs and consumer policy implications. Key findings include trends in credit card usage among various demographics, particularly college students, and the impact of credit card debt on personal bankruptcy rates. The authors suggest future research opportunities to further explore consumer behavior related to credit cards.

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