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Diane Publishing Books
Effects of Credit Scores on Consumer Payment Choice
Fumiko Hayashi (au); Joanna Stavins (au)
Investigates the effects of credit scores on consumer payment behavior, esp. on debit and credit card use. The results suggest that there is a significant negative relationship between debit card use and credit score even after controlling for various characteristics. The results indicate that an increase in consumersäó» cost of debit cards -- in response to regulatory changes, for ex. -- would have an adverse effect on low-credit-score consumers (typically those with lower incomes and less education). The authors then investigate what credit score implies. Preliminary evidence strongly suggests that supply-side factors play an important role in the cost of credit and in access to credit. Charts and tables. This is a print on demand report.
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