cash or debit card discount, and even fewer were subjected to a credit card surcharge. We attribute this finding in part to … at gasoline stations were more likely to receive either cash discounts or credit card surcharges than transactions in …

This paper tests whether heterogeneity of time preferences can explain individual credit behavior. In a field … experiments, and then match these time preference measures to individual credit reports and annual tax returns. We find that …, controlling for disposable income and other individual characteristics, individuals who are less patient have lower credit scores …

the MAOA gene is associated with credit card borrowing behavior. For the combined sample of approximately 12 … likelihood of reporting credit card debt by about 4%. These results suggest that behavioral models bene t from integrating …

Credit Panel (CCP). Moments of the borrower and lender debt distributions are compared by year, age of household head …Household surveys are the source of some of the most widely studied data on consumer balance sheets, with the Survey of … research questions survey respondents' propensity and ability to report debt characteristics accurately. We compare household …

Credit Panel (CCP). Moments of the borrower and lender debt distributions are compared by year, age of household head …Household surveys are the source of some of the most widely studied data on consumer balance sheets, with the Survey of … research questions survey respondents' propensity and ability to report debt characteristics accurately. We compare household …

Current time allocation and household production models face three major weaknesses: First, they only describe the …