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dc.contributor.authorMeier, Stephanen
dc.contributor.authorSprenger, Charles D.en
dc.date.accessioned2009-07-24-
dc.date.accessioned2010-07-07T11:55:07Z-
dc.date.available2010-07-07T11:55:07Z-
dc.date.issued2009-
dc.identifier.piurn:nbn:de:101:1-20090615131en
dc.identifier.urihttp://hdl.handle.net/10419/35670-
dc.description.abstractSome 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 indicate that present-biased individuals are more likely to have credit card debt, and have significantly higher amounts of credit card debt, controlling for disposable income, other socio-demographics, and credit constraints.en
dc.language.isoengen
dc.publisher|aInstitute for the Study of Labor (IZA) |cBonnen
dc.relation.ispartofseries|aIZA Discussion Papers |x4198en
dc.subject.jelD12en
dc.subject.jelD14en
dc.subject.jelD91en
dc.subject.jelC93en
dc.subject.ddc330en
dc.subject.keywordTime preferencesen
dc.subject.keyworddynamic inconsistencyen
dc.subject.keywordcredit card borrowingen
dc.subject.keywordfield experimenten
dc.subject.stwPrivate Verschuldungen
dc.subject.stwKreditkarteen
dc.subject.stwKonsumentenverhaltenen
dc.subject.stwZeitpräferenzen
dc.subject.stwUSAen
dc.titlePresent-biased preferences and credit card borrowing-
dc.type|aWorking Paperen
dc.identifier.ppn605349959en
dc.rightshttp://www.econstor.eu/dspace/Nutzungsbedingungenen

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