IDEAS home Printed from https://ideas.repec.org/r/nbr/nberwo/24161.html
   My bibliography  Save this item

How Do Individuals Repay Their Debt? The Balance-Matching Heuristic

Citations

Citations are extracted by the CitEc Project, subscribe to its RSS feed for this item.
as


Cited by:

  1. Conor B. Hamill & Raad Khraishi & Simona Gherghel & Jerrard Lawrence & Salvatore Mercuri & Ramin Okhrati & Greig A. Cowan, 2023. "Agent-based Modelling of Credit Card Promotions," Papers 2311.01901, arXiv.org, revised Nov 2023.
  2. Achten, Sandra & Lessmann, Christian, 2020. "Spatial inequality, geography and economic activity," World Development, Elsevier, vol. 136(C).
  3. Lucas Goodman & Anita Mukherjee & Shanthi Ramnath, 2022. "Set it and Forget it? Financing Retirement in an Age of Defaults," Working Paper Series WP 2022-50, Federal Reserve Bank of Chicago.
  4. Guttman-Kenney, Benedict & Firth, Chris & Gathergood, John, 2023. "Buy now, pay later (BNPL) ...on your credit card," Journal of Behavioral and Experimental Finance, Elsevier, vol. 37(C).
  5. Paolina C. Medina & Jose L. Negrin, 2022. "The Hidden Role of Contract Terms: The Case of Credit Card Minimum Payments in Mexico," Management Science, INFORMS, vol. 68(5), pages 3856-3877, May.
  6. Kondratjeva, Olga & Roll, Stephen P. & Bufe, Sam & Grinstein-Weiss, Michal, 2021. "Using financial tips to guide debt repayment: Experimental evidence from low- and moderate-income tax filers," Journal of Behavioral and Experimental Economics (formerly The Journal of Socio-Economics), Elsevier, vol. 90(C).
  7. James J. Choi, 2022. "Popular Personal Financial Advice versus the Professors," Journal of Economic Perspectives, American Economic Association, vol. 36(4), pages 167-192, Fall.
  8. John Gathergood & David Hirshleifer & David Leake & Hiroaki Sakaguchi & Neil Stewart, 2023. "Naïve Buying Diversification and Narrow Framing by Individual Investors," Journal of Finance, American Finance Association, vol. 78(3), pages 1705-1741, June.
  9. Gill, Andrej & Hett, Florian & Tischer, Johannes, 2022. "Time inconsistency and overdraft use: Evidence from transaction data and behavioral measurement experiments," Discussion Papers 18/2022, Deutsche Bundesbank.
  10. Exler, Florian & Tertilt, Michèle, 2020. "Consumer Debt and Default: A Macro Perspective," IZA Discussion Papers 12966, Institute of Labor Economics (IZA).
  11. Francisco Gomes & Michael Haliassos & Tarun Ramadorai, 2021. "Household Finance," Journal of Economic Literature, American Economic Association, vol. 59(3), pages 919-1000, September.
  12. Gärtner, Florian & Semmler, Darwin & Bannier, Christina E., 2023. "What could possibly go wrong? Predictable misallocation in simple debt repayment experiments," Journal of Economic Behavior & Organization, Elsevier, vol. 205(C), pages 28-43.
  13. Cookson, J. Anthony & Gilje, Erik P. & Heimer, Rawley Z., 2022. "Shale shocked: Cash windfalls and household debt repayment," Journal of Financial Economics, Elsevier, vol. 146(3), pages 905-931.
  14. Jason Allen & Robert Clark & Shaoteng Li & Nicolas Vincent, 2022. "Debt‐relief programs and money left on the table: Evidence from Canada's response to COVID‐19," Canadian Journal of Economics/Revue canadienne d'économique, John Wiley & Sons, vol. 55(S1), pages 9-53, February.
  15. Isler, Ozan & Rojas, Andres & Dulleck, Uwe, 2022. "Easy to shove, difficult to show: Effect of educative and default nudges on financial self-management," Journal of Behavioral and Experimental Finance, Elsevier, vol. 34(C).
  16. Deng, Xin & Yu, Mingzhe, 2021. "Does the marginal child increase household debt? – Evidence from the new fertility policy in China," International Review of Financial Analysis, Elsevier, vol. 77(C).
  17. Agarwal, Sumit & Presbitero, Andrea & Silva, Andre F. & Wix, Carlo, 2022. "Who Pays For Your Rewards? Redistribution in the Credit Card Market," CEPR Discussion Papers 17733, C.E.P.R. Discussion Papers.
  18. Tal Gross & Raymond Kluender & Feng Liu & Matthew J. Notowidigdo & Jialan Wang, 2021. "The Economic Consequences of Bankruptcy Reform," American Economic Review, American Economic Association, vol. 111(7), pages 2309-2341, July.
  19. Olafsson, Arna & Gathergood, John, 2020. "The Co-holding Puzzle: New Evidence from Transaction-Level Data," CEPR Discussion Papers 14799, C.E.P.R. Discussion Papers.
  20. Tertilt, Michèle & Exler, Florian, 2020. "Consumer Debt and Default: A Macroeconomic Perspective," CEPR Discussion Papers 14425, C.E.P.R. Discussion Papers.
  21. Hoang, Daniel & Wiegratz, Kevin, 2022. "Machine learning methods in finance: Recent applications and prospects," Working Paper Series in Economics 158, Karlsruhe Institute of Technology (KIT), Department of Economics and Management.
  22. Paul D. Adams & Stefan Hunt & Christopher Palmer & Redis Zaliauskas, 2019. "Testing the Effectiveness of Consumer Financial Disclosure: Experimental Evidence from Savings Accounts," NBER Working Papers 25718, National Bureau of Economic Research, Inc.
  23. Alycia Chin & Charles J. Romeo, 2022. "Repeat use of short‐term credit: The case of deposit advance products," Journal of Consumer Affairs, Wiley Blackwell, vol. 56(4), pages 1705-1726, December.
  24. J. Anthony Cookson & Erik P. Gilje & Rawley Z. Heimer, 2020. "Shale Shocked: Cash Windfalls and Household Debt Repayment," NBER Working Papers 27782, National Bureau of Economic Research, Inc.
  25. Bradley Katcher & Geng Li & Alvaro Mezza & Steve Ramos, 2024. "One Month Longer, One Month Later? Prepayments in the Auto Loan Market," Finance and Economics Discussion Series 2024-056, Board of Governors of the Federal Reserve System (U.S.).
  26. Zachary Breig & Paul Feldman, 2024. "Revealing risky mistakes through revisions," Journal of Risk and Uncertainty, Springer, vol. 68(3), pages 227-254, June.
  27. Lunn, Pete & McGowan, Féidhlim & Howard, Noel, 2018. "Do some financial product features negatively affect consumer decisions? a review of evidence," Research Series, Economic and Social Research Institute (ESRI), number RS78.
  28. McGowan, Féidhlim & Papadopoulos, Alexandros & Lunn, Pete, 2023. "Who switches and why? A diagnostic survey of retail financial services in Ireland," Papers WP748, Economic and Social Research Institute (ESRI).
  29. Goodman, Lucas & Mukherjee, Anita & Ramnath, Shanthi, 2023. "Set it and forget it? Financing retirement in an age of defaults," Journal of Financial Economics, Elsevier, vol. 148(1), pages 47-68.
  30. Tourek, Gabriel, 2022. "Targeting in tax behavior: Evidence from Rwandan firms," Journal of Development Economics, Elsevier, vol. 158(C).
  31. Andrej Gill & Florian Hett & Johannes Tischer, 2022. "Time Inconsistency and Overdraft Use: Evidence from Transaction Data and Behavioral Measurement Experiments," Working Papers 2205, Gutenberg School of Management and Economics, Johannes Gutenberg-Universität Mainz.
  32. Lynn, Peter & Fumagalli, Laura & Muñoz-Bugarin, Jair, 2021. "The effect of formal debt advice on financial management and knowledge: insights from a new longitudinal study in Britain," ISER Working Paper Series 2021-09, Institute for Social and Economic Research.
  33. Vihriälä, Erkki, 2023. "Self-imposed liquidity constraints via voluntary debt repayment," Journal of Financial Economics, Elsevier, vol. 150(2).
  34. Adams, Paul & Hunt, Stefan & Palmer, Christopher & Zaliauskas, Redis, 2021. "Testing the effectiveness of consumer financial disclosure: Experimental evidence from savings accounts," Journal of Financial Economics, Elsevier, vol. 141(1), pages 122-147.
  35. Robertson, Deirdre & Poluektova, Olga & Lavin, Ciarán & Timmons, Shane & Lunn, Pete, 2024. "A behaviourally-informed app can encourage switching of financial products," Papers WP782, Economic and Social Research Institute (ESRI).
  36. John Gathergood & Neale Mahoney & Neil Stewart & Jörg Weber, 2019. "How do Americans repay their debt? The balance-matching heuristic," Economics Bulletin, AccessEcon, vol. 39(2), pages 1458-1466.
  37. Paul Adams & Benedict Guttman‐Kenney & Lucy Hayes & Stefan Hunt & David Laibson & Neil Stewart, 2022. "Do Nudges Reduce Borrowing and Consumer Confusion in the Credit Card Market?," Economica, London School of Economics and Political Science, vol. 89(S1), pages 178-199, June.
  38. Hanjin Li & Danny Campbell & Seda Erdem, 2022. "Measuring Time Preferences Using Stated Credit Repayment Choices," Journal of Quantitative Economics, Springer;The Indian Econometric Society (TIES), vol. 20(1), pages 43-67, March.
  39. Gill, Andrej & Hett, Florian & Tischer, Johannes, 2022. "Time inconsistency and overdraft use: Evidence from transaction data and behavioral measurement experiments," SAFE Working Paper Series 347, Leibniz Institute for Financial Research SAFE.
  40. Lynn, Peter & Fumagalli, Laura & Muñoz-Bugarin, Jair, 2021. "Investigating the role of debt advice on borrowers’ well-being. An encouragement study on a new sample of over-indebted people in Britain," ISER Working Paper Series 2021-08, Institute for Social and Economic Research.
  41. Johannes G. Jaspersen & Marc A. Ragin & Justin R. Sydnor, 2019. "Predicting Insurance Demand from Risk Attitudes," NBER Working Papers 26508, National Bureau of Economic Research, Inc.
  42. Edika G. Quispe-Torreblanca & Neil Stewart & John Gathergood & George Loewenstein, 2019. "The Red, the Black, and the Plastic: Paying Down Credit Card Debt for Hotels, Not Sofas," Management Science, INFORMS, vol. 65(11), pages 5392-5410, November.
  43. Guiso, Luigi & Pozzi, Andrea & Tsoy, Anton & Gambacorta, Leonardo & Mistrulli, Paolo Emilio, 2022. "The cost of steering in financial markets: Evidence from the mortgage market," Journal of Financial Economics, Elsevier, vol. 143(3), pages 1209-1226.
  44. Bronson Argyle & Taylor D. Nadauld & Christopher Palmer, 2019. "Monthly Payment Targeting and the Demand for Maturity," NBER Working Papers 25668, National Bureau of Economic Research, Inc.
  45. Daniel Grodzicki & Sergei Koulayev, 2021. "Sustained credit card borrowing," Journal of Consumer Affairs, Wiley Blackwell, vol. 55(2), pages 622-653, June.
  46. Johannes G. Jaspersen & Marc A. Ragin & Justin R. Sydnor, 2022. "Predicting insurance demand from risk attitudes," Journal of Risk & Insurance, The American Risk and Insurance Association, vol. 89(1), pages 63-96, March.
  47. Ben Hamilton, 2023. "Two steps forward, one step back? Quantifying the pecuniary costs of debt account aversion and the debt snowball," Southern Economic Journal, John Wiley & Sons, vol. 89(3), pages 830-859, January.
  48. Delgado Fuentealba, Carlos L. & Muñoz Mendoza, Jorge A. & Sepúlveda Yelpo, Sandra M. & Veloso Ramos, Carmen L. & Fuentes-Solís, Rodrigo A., 2021. "Household debt, automatic bill payments and inattention: Theory and evidence," Journal of Economic Psychology, Elsevier, vol. 85(C).
  49. Pretnar, Nick & Olivola, Christopher Y. & Montgomery, Alan, 2021. "Two-stage Budgeting with Bounded Rationality," MPRA Paper 105356, University Library of Munich, Germany.
  50. Hiroaki Sakaguchi & John Gathergood & Neil Stewart, 2020. "How Preferences for Round Numbers Affect Choices: Stickiness and Jumpiness in Credit Card Payments," Discussion Papers 2020-20, The Centre for Decision Research and Experimental Economics, School of Economics, University of Nottingham.
  51. Adam Tejs Jørring, 2024. "Financial Sophistication and Consumer Spending," Journal of Finance, American Finance Association, vol. 79(6), pages 3773-3820, December.
IDEAS is a RePEc service. RePEc uses bibliographic data supplied by the respective publishers.