encourage consumption, effecting over 100 million consumers. We use a unique dataset of credit cards transaction to study the …%, with large percentage increases in spending on children's clothes and shoes of 193% and 98% respectively. Consumers with … STH or cross-product substitution away from non-treated goods. Finally, we show that consumers from across state borders …

financial variables underlying the relative pricing of debt contracts are the leading factors explaining consumers' home equity …. However, when we study a subset of consumers who received a direct mail solicitation for a particular debt contract (fixed …

A number of studies have pointed to various mistakes that consumers might make in their consumption-saving and … such mistakes are in practice. The bank offered consumers a choice between two credit card contracts, one with an annual … costs net of the fee, consumers expecting to borrow a sufficiently large amount should choose the contract with the fee, and …

financial variables underlying the relative pricing of debt contracts are the leading factors explaining consumers' home equity …. However, when we study a subset of consumers who received a direct mail solicitation for a particular debt contract (fixed …