Pinto Mary Beth, Mansfield Phylis M, Parente Diane H
School of Business, Penn State Erie, 16563, USA.
Psychol Rep. 2004 Jun;94(3 Pt 2):1405-18. doi: 10.2466/pr0.94.3c.1405-1418.
College-age consumers are one of the groups most highly targeted by credit card marketers. While some college students use their credit cards wisely, others are unable to control their spending. The objective of this study was to investigate differences in attitude toward credit cards and the psychological factors of self-esteem and locus of control among college students who possess one or more credit cards. Attitude was operationalized to include three underlying components: cognitive, affective, and behavioral. We separated credit users into subcategories based on amount of installment debt. Convenience users were defined as those consumers who paid the credit-card balance in full each month. Installment users were classified as consumers who carried a balance month-to-month. Convenience users were compared to mild and heavy installment users to assess significance of differences in attitudinal and psychological factors. There were no significant differences in the psychological factors across the credit-card user groups. In addition, there was a statistically significant difference on each of the attitude components (knowledge/beliefs, affect, and behavior) across user groups; convenience users, mild installment, and heavy installment users.
大学生消费者是信用卡营销商最主要的目标群体之一。虽然一些大学生明智地使用信用卡，但另一些人却无法控制自己的消费。本研究的目的是调查拥有一张或多张信用卡的大学生在信用卡态度以及自尊和控制点等心理因素方面的差异。态度被细化为包括三个潜在组成部分：认知、情感和行为。我们根据分期债务金额将信用卡用户分为不同类别。便利用户被定义为每月全额支付信用卡账单的消费者。分期用户被归类为每月有欠款的消费者。将便利用户与轻度和重度分期用户进行比较，以评估态度和心理因素差异的显著性。信用卡用户群体在心理因素方面没有显著差异。此外，在用户群体（便利用户、轻度分期用户和重度分期用户）的每个态度组成部分（知识/信念、情感和行为）上都存在统计学上的显著差异。
