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Differences in Spending Habits and Credit Use of College Students
Author(s) -
HAYHOE CELIA RAY,
LEACH LAUREN J.,
TURNER PAMELA R.,
BRUIN MARILYN J.,
LAWRENCE FRANCES C.
Publication year - 2000
Publication title -
journal of consumer affairs
Language(s) - English
Resource type - Journals
SCImago Journal Rank - 0.582
H-Index - 62
eISSN - 1745-6606
pISSN - 0022-0078
DOI - 10.1111/j.1745-6606.2000.tb00087.x
Subject(s) - clothing , purchasing , entertainment , feeling , marketing , credit card , business , psychology , advertising , finance , social psychology , political science , payment , law
In a study of college students, affective credit attitude (feeling about using credit cards) and gender influenced college students' credit purchasing. Affective credit attitude predicted the purchase of clothing, electronics, entertainment, travel, gasoline, and food away from home. Females purchased clothing; males purchased electronics, entertainment, and food away from home. Gender was more influential in predicting financial management practices than was affective credit attitude, with female students employing a greater number of financial practices. A path analysis model showed gender differences in the relationship between financial practices, financial stress, affective credit attitude, and the number of credit cards with a balance.