Purpose – The purpose of this paper is to conduct a cross-disciplinary review of the literature on financial exclusion in order to provide a place where one could have a bird’s eye view of the academic activities that have been happening in the area. Design/methodology/approach – As a...

Only a small proportion of consumer borrowing is provided by bank and retailer credit cards. Discusses how recent changes in credit card terms and societal attitudes may further reduce that borrowing. Suggests debit cards will become increasingly important as a means of payment in the UK –...

Auditors need to ensure that their companies possess proper systems to safeguard against product liability claims under consumer protection legislation. Such legislation is growing in severity in many parts of the world, notably in the European Community. The consequences can be product, brand...

Purpose – Information concerning the long‐term consequences of credit repayment decisions is often not available for flexible credit facilities such as credit cards. The purpose of this paper is to investigate the role of such information in repayment decisions. A dual mental accounting...

Purpose – Consumer credit as a proportion of household debt has grown considerably during the last 20 years across many developed countries. A fairly extensive literature from the field of empirical psychology has provided evidence that personality factors and attitudes may influence...

Purpose – A financially distressed homeowner considers bankruptcy filing, either Chapter 7 or Chapter 13, to delay foreclosure. On one hand, Chapter 13 filing takes longer processing time, spreads mortgage arrearages over the debt repayment period, and increases the possibility of loan...

Although older American spend increasingly large sums of money on goods and services, it is widely believed by financial service providers and retailers that these individuals make relatively little use of credit cards. Using a large national sample of respondents from different age groups,...

Once there was a golden age of American thrift, when citizens lived sensibly within their means and worked hard to stay out of debt. The growing availability of credit in this century, however, has brought those days to an end--undermining traditional moral virtues such as prudence, diligence,...

The economics of consumer credit demand and supply / Giuseppe Bertola, Richard Disney, Charles Grant -- Consumer credit markets in the United States and Europe / Nicola Jentzsch, Ampara San Jos?e Riestra -- Household debt demand and supply: a cross-country comparison / Jonathan N. Crook --...