Consumer credit card use: The roles of creditor disclosure and anticipated emotion

Richard L. Wiener, Michael Holtje, Ryan J. Winter, Jason A. Cantone, Karen Gross, Susan Block-Lieb

Research output: Contribution to journalArticlepeer-review

25 Scopus citations


In response to federal legislative reform aimed, in part, at reducing consumer bankruptcy filings, the authors conducted 2 experiments examining the role of affect in purchasing behavior. In Experiment 1, they examined consumer debtors, and in Experiment 2, they examined nondebtors. In both experiments, they investigated purchasing decisions made during a simulated online shopping trip, with some participants receiving standard disclosures of interest rates and money owed and with other participants receiving information under the new enhanced disclosure regulations. Results demonstrated support for the influence of anticipated affect in credit card use among both debtors and nondebtors and indicated that anticipated emotion may moderate the impact of the enhanced disclosure regulations. (PsycINFO Database Record (c) 2007 APA, all rights reserved).

Original languageEnglish (US)
Pages (from-to)32-46
Number of pages15
JournalJournal of Experimental Psychology: Applied
Issue number1
StatePublished - Mar 2007


  • Decision making
  • Emotion
  • Public policy

ASJC Scopus subject areas

  • Experimental and Cognitive Psychology


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