Consumer credit card use: the roles of creditor disclosure and anticipated emotion.
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.
Wiener
Richard L
RL
Department of Psychology, University of Nebraska at Lincoln, Lincoln, NE 68588, USA. rwiener2@unl.edu
Holtje
Michael
M
Winter
Ryan J
RJ
Cantone
Jason A
JA
Gross
Karen
K
Block-Lieb
Susan
S
D000328:Adult; D000339:Affect; D001290:Attitude; D030881:Disclosure; D005260:Female; D006801:Humans; D020407:Internet; D008297:Male; D008875:Middle Aged; D010350:Patient Credit and Collection