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Changes in the Credit Repayment Performance of Low Income Consumers: An Exploratory Study

JEAN S. BOWERS and KRISTAN R. CROSBY
The Journal of Consumer Affairs
Vol. 14, No. 1 (SUMMER 1980), pp. 96-108
Published by: Wiley
Stable URL: http://www.jstor.org/stable/23860327
Page Count: 13
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Changes in the Credit Repayment Performance of Low Income Consumers: An Exploratory Study
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Abstract

This paper examined the credit behavior during the second year of a two-year study of bank credit card use by a group of low income consumers who had had a consumer education course. It reports findings about factors affecting changes in repayment practices over the two-year period. Different variables were found to affect repayment behavior at different points in time with elements from traditional credit scoring schemes becoming important in the second year of study.

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