Which Card to Pull? the Psychology of Credit Card Expense Management

Rationally, consumers should always use the credit-card with the lowest interest rate. However, using an incentive-compatible game, we show in 4 different experiments that participants tend to balance credit-card expenses equally, irrespective of the cards' interest rates, and that this tendency can also affect which expenses participants choose to make.


Moty Amar and Dan Ariely (2013) ,"Which Card to Pull? the Psychology of Credit Card Expense Management", in E - European Advances in Consumer Research Volume 10, eds. Gert Cornelissen, Elena Reutskaja, and Ana Valenzuela, Duluth, MN : Association for Consumer Research, Pages: 272-273.


Moty Amar, OAC, Israel
Dan Ariely, Duke University, USA


E - European Advances in Consumer Research Volume 10 | 2013

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