title: Self-control and credit-card use among college students.
abstract: This study assessed the relationship between self-control and credit-card use with a convenience sample of 165 traditional-age college students of whom 69 (42%) were women. Students' self-control was measured on Grasmick, et al.'s Self-control Scale, which has six subscales, one of which is Impulsivity. Comparisons were made between those students who paid their cards off each month, called convenience users, and those who carried a monthly balance forward on scores on total self-control and impulsivity, and number of credit cards possessed. A significant difference in self-control scores was found between these two groups and also for mean impulsivity scores. Significantly fewer credit cards were possessed by students who paid their cards off each month than by those who carried a monthly balance.
authors.affiliation: School of Business, Penn State Erie, PA 16563-1400, USA. pmm16@psu.edu
authors.forename: Phylis M
authors.initials: PM
authors.lastname: Mansfield
authors.forename: Mary Beth
authors.initials: MB
authors.lastname: Pinto
authors.forename: Diane H
authors.initials: DH
authors.lastname: Parente
mesh_terms: D000328:Adult; D007174:Disruptive, Impulse Control, and Conduct Disorders / Q000191:economics* / Q000517:prevention & control*; D004467:Economics; D005260:Female; D006801:Humans; D008297:Male; D020377:Self Efficacy; D013334:Students / Q000523:psychology*; D011795:Surveys and Questionnaires