Applying Behavioral Science in the Field: Nudging Consumers to Pay Their Credit Card Dues

In a large-scale field experiment with a credit card company, we tested variations to the script of an automated past due reminder-call. We found that creating a sense of urgency, targeting debt literacy, and helping customers to form implementation intentions substantially decreased delinquency and the time to become non-delinquent.


Nina Mazar and Dan Airely (2014) ,"Applying Behavioral Science in the Field: Nudging Consumers to Pay Their Credit Card Dues", in NA - Advances in Consumer Research Volume 42, eds. June Cotte, Stacy Wood, and , Duluth, MN : Association for Consumer Research, Pages: 32-35.


Nina Mazar, University of Toronto, Canada
Dan Airely, Duke University, USA


NA - Advances in Consumer Research Volume 42 | 2014

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