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

doi:10.1037/1076-898X.13.1.32

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

Psychology

Research output: Contribution to journal › Article › peer-review

27 Scopus citations

Abstract

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 language	English (US)
Pages (from-to)	32-46
Number of pages	15
Journal	Journal of Experimental Psychology: Applied
Volume	13
Issue number	1
DOIs	https://doi.org/10.1037/1076-898X.13.1.32
State	Published - Mar 2007

Keywords

Decision making
Emotion
Public policy

ASJC Scopus subject areas

Experimental and Cognitive Psychology

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10.1037/1076-898X.13.1.32

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AB - 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).

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

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