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Tenencia y uso de tarjetas de crédito en México. Un análisis de los datos de la Encuesta Nacional de Ingresos y Gastos de los Hogares 2006


  • Castellanos, Sara G.

    (Servicio de Estudios Económicos, BBVA-Bancomer)

  • Garrido, Daniel

    (Dirección de Sistemas Operativos y de Pagos, Banco de México)


We analyze the data of credit card holding and usage in Mexico, through a sample selection model. We find that some features of the household, such as income, head's education level and ownership of assets that can be used as collateral are related with the decision of having a credit card, as previous research has shown. Furthermore, as two sided markets theories suggest, concentration of bank branches and point of sales (POS) terminals at the locality also are relevant in such decision. POS concentration also results relevant in the expenditure decision, while income loses significance once its effects on the decision of holding a card is controlled for. This new result suggests that use of credit card would be fostered further if the POS network is expanded than if tradicional discount- and income transfer-type reward programs become more generous.// Analizamos las decisiones relacionadas con la tenencia y uso de las tarjetas de crédito de los hogares en México mediante un modelo de selección de muestra. Encontramos que aspectos del hogar como el ingreso, escolaridad del jefe del hogar y tenencia de activos colaterales se relacionan con la tenencia de tarjetas de crédito, como han documentado investigaciones anteriores. Además, la concentración de sucursales y terminales punto de venta (TPV) en la localidad también afectan esta decisión, como sugieren los modelos de mercados de dos lados. Sin embargo, en la decisión del monto gastado resulta significativa la concentración de TPV, no así el ingreso una vez que se considera su efecto en tenencia. Este nuevo resultado sugiere que en México el uso de tarjetas de crédito se promovería más por la expansión de la infraestructura de TPV que por el impulso de los "programas de recompensas" tradicionales de descuentos o transferencias de ingreso por pagar con ellas.

Suggested Citation

  • Castellanos, Sara G. & Garrido, Daniel, 2010. "Tenencia y uso de tarjetas de crédito en México. Un análisis de los datos de la Encuesta Nacional de Ingresos y Gastos de los Hogares 2006," El Trimestre Económico, Fondo de Cultura Económica, vol. 0(305), pages 69-103, enero-mar.
  • Handle: RePEc:elt:journl:v:77:y:2010:i:305:p:69-103 DOI:

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    References listed on IDEAS

    1. Iversen, Tor, 1993. "A theory of hospital waiting lists," Journal of Health Economics, Elsevier, vol. 12(1), pages 55-71, April.
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    More about this item


    credit card; payment choice; sample selection model; tarjeta de crédito; elección de medios de pago; modelo de selección de muestra;

    JEL classification:

    • D12 - Microeconomics - - Household Behavior - - - Consumer Economics: Empirical Analysis
    • E21 - Macroeconomics and Monetary Economics - - Consumption, Saving, Production, Employment, and Investment - - - Consumption; Saving; Wealth
    • E51 - Macroeconomics and Monetary Economics - - Monetary Policy, Central Banking, and the Supply of Money and Credit - - - Money Supply; Credit; Money Multipliers
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages


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