use of credit, at the individual and household level using representative pooled cross-section data drawn from the UK … Expenditure and Food Surveys (EFS), 2001 to 2007. Gambling and the use of credit are shown to be positively correlated at the … between gambling and the use of credit is remarkably stable across household income. In addition to our household level …

We show that the size of collateralized household debt determines an economy's vulnerability to crises of confidence … rise to multiplicity of house prices. In a dynamic setup, we conceptualize confidence as a realization of rationally … confidence may drive house prices and aggregate consumption …

-income households increased their demand for credit to finance higher consumption expenditures in order to "keep up" with higherincome … the underlying type of the applicant, so that banks ultimately channel more credit toward lower-income applicants in low …

Some individuals borrow extensively on their credit cards. This paper tests whether present-biased time preferences … correlate with credit card borrowing. In a field study, we elicit individual time preferences with incentivized choice … experiments, and match resulting time preference measures to individual credit reports and annual tax returns. The results …

Propensity Score Matching to ascertain if household debt (measured by credit card indebtedness and having trouble paying bills …

delinquency. Specifically, we utilize detailed information on all household liabilities, delinquencies, and credit scores from the … Federal Reserve Bank of New York Consumer Credit Panel/Equifax, a quarterly longitudinal 5% random sample of all individuals … in the US with a social security number and a credit report. Identification of the causal effect of the program is …