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Toward a theory of credit card management: A qualitative exploration of credit card use and abuse.

机译：迈向信用卡管理理论：对信用卡使用和滥用的定性探索。

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摘要

This research motivates a study of credit card use and abuse through a discussion of trends in credit card use which highlight the issues' importance (e.g., dramatically increasing credit card balances, reduction in income and credit requirements needed to obtain a credit card, etc.). Motivation is also provided by describing and reviewing the current body of research which exists on credit card use/abuse and emphasizing the shortcomings of this body of work in terms of its relatively small contribution to achieving a true understanding of credit card use/abuse. The grounded theory method is then described and reasons for its choice are explicated.;Multiple methods were used to triangulate on credit card management, the focal construct under study. First, in-depth interviews were conducted with 28 credit card users, varying in their typical level of outstanding balance. Differences in low, moderate, and high debtors' norms, attitudes, and behaviors with regard to credit card use were then examined through a continuous development of theoretical coding and memoing, utilizing the constant comparative method. Second, in-depth interviews were carried out with 10 credit card counselors from a major non-profit organization. Counselors were asked to give their attributions for their clients' credit card debt, describe their clients' debt situations, and, in general, share their experiences as credit card counselors. This secondary data from professionals has the effect of adding additional data, insight, and support to the theory developed in this study. Third, participant-observation was done at four money management seminars given by the credit counselors, providing additional data and a third perspective to the focal construct under study.;This theory development effort resulted in numerous theoretical propositions regarding credit card management. Attribution theory correctly predicts that high credit card debtors tend to make external attributions for their debt (e.g., emergency situations necessitated card use, overly aggressive card marketing contributed to their debt, etc.), while credit counselors overwhelmingly make internal attributions for their clients' debt (e.g., lack of budgeting, lack of self-discipline, etc.). Behavioral antecedents of credit card debt, such as a lack of budgeting for periodic expenses and regular use of credit cards for daily necessities such as groceries and gasoline, were discovered. Also incorporated into the theory were attitudes and non-attributional beliefs related to credit card debt, including but not limited to attitude toward the cost of borrowing, perceived cost of credit card use, expectation of future income, underestimation of payback difficulty, and feelings of deservedness. Environmental antecedents such as reference group modeling and teaching and financial/credit management education (or lack thereof) are also encompassed by the theory. Finally, costs of credit cards and consequences of credit card debt are incorporated. Following the discussion of results, contributions of this research and avenues for future research are discussed. (Abstract shortened by UMI.).
机译：这项研究通过讨论信用卡使用趋势来激发人们对信用卡使用和滥用的研究，该趋势突出了问题的重要性（例如，急剧增加信用卡余额，减少获得信用卡所需的收入和信用要求等）。 ）。通过描述和回顾有关信用卡使用/滥用的当前研究机构，并就其对实现对信用卡使用/滥用的真正理解的相对较小的贡献来强调该工作体系的不足，也提供了动机。然后介绍了扎根的理论方法，并阐明了选择该方法的原因。首先，对28位信用卡用户进行了深入访谈，这些信用卡用户的典型未偿余额有所不同。然后，通过不断发展的理论编码和备忘录，并使用恒定比较方法，研究了低，中，高债务人在信用卡使用方面的规范，态度和行为方面的差异。其次，与来自一家主要非营利组织的10位信用卡顾问进行了深入访谈。要求咨询顾问提供客户信用卡债务的归属，描述客户债务状况的信息，并总体上分享他们作为信用卡顾问的经验。来自专业人员的辅助数据可以为本研究中开发的理论增加更多数据，见解和支持。第三，参加者观察是在信贷顾问举办的四次资金管理研讨会上进行的，为正在研究的重点结构提供了额外的数据和第三种视角。该理论的发展产生了许多关于信用卡管理的理论命题。归因理论正确地预测，高信用卡债务人往往会对其债务做出外部归因（例如，紧急情况下必须使用卡，过度激进的卡行销导致了他们的债务等），而信贷顾问则绝大多数为客户的内部归因债务（例如，缺乏预算，缺乏自律等）。发现了信用卡债务的行为前因，例如缺乏用于定期支出的预算以及经常将信用卡用于日用品（如杂货和汽油）。与信用卡债务有关的态度和非归因信念也被纳入该理论，包括但不限于对借贷成本的态度，对信用卡使用的感知成本，对未来收入的期望，对偿还难度的低估以及对债务的感觉。当之无愧。该理论还涵盖了环境先例，例如参考小组建模和教学以及财务/信贷管理教育（或缺乏）。最后，合并了信用卡成本和信用卡债务后果。在讨论结果之后，讨论了本研究的贡献和未来研究的途径。 （摘要由UMI缩短。）。

著录项

  • 作者

    Bernthal, Matthew John.;

  • 作者单位

    University of South Carolina.;

  • 授予单位 University of South Carolina.;
  • 学科 Marketing.;Home economics.;Public policy.
  • 学位 Ph.D.
  • 年度 1999
  • 页码 186 p.
  • 总页数 186
  • 原文格式 PDF
  • 正文语种 eng
  • 中图分类
  • 关键词

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