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Credit Cards as Lifestyle Facilitators


  • Matthew J. Bernthal
  • David Crockett
  • Randall L. Rose


Credit cards are an increasingly essential technology, but they carry with them the paradoxical capacity to propel consumers along lifestyle trajectories of marketplace freedom or constraint. We analyze accounts provided by consumers, credit counselors, and participants in a credit counseling seminar in order to develop a differentiated theory of lifestyle facilitation through credit card practice. The skills and tastes expressed by credit card practice help distinguish between the lifestyles of those with higher cultural capital relative to those with lower cultural capital. Differences in lifestyle regulation practice are posited to originate in cultural discourses related to entitlement and frugality. (c) 2005 by JOURNAL OF CONSUMER RESEARCH, Inc..

Suggested Citation

  • Matthew J. Bernthal & David Crockett & Randall L. Rose, 2005. "Credit Cards as Lifestyle Facilitators," Journal of Consumer Research, Oxford University Press, vol. 32(1), pages 130-145, June.
  • Handle: RePEc:oup:jconrs:v:32:y:2005:i:1:p:130-145
    DOI: 10.1086/429605

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    Cited by:

    1. Arvind Agrawal & James W. Gentry, 2020. "Why do many consumers prefer to pay now when they could pay later?," Journal of Consumer Affairs, Wiley Blackwell, vol. 54(2), pages 607-627, June.
    2. McNeill, Lisa S. & Snowdon, Jasmine, 2019. "Slow fashion – Balancing the conscious retail model within the fashion marketplace," Australasian marketing journal, Elsevier, vol. 27(4), pages 215-223.
    3. Alessandra Amendola & Alfonso Pellecchia & Luca Sensini, 2016. "Factors Driving the Credit Card Ownership in Italy," International Business Research, Canadian Center of Science and Education, vol. 9(6), pages 131-142, June.
    4. Yeniaras, Volkan & Akkemik, K. Ali & Yucel, Eray, 2016. "Re-considering the linkage between the antecedents and consequences of happiness," Journal of Economic Psychology, Elsevier, vol. 56(C), pages 176-191.
    5. Chan, Wing Yin & To, Chester K.M. & Chu, Wai Ching, 2015. "Materialistic consumers who seek unique products: How does their need for status and their affective response facilitate the repurchase intention of luxury goods?," Journal of Retailing and Consumer Services, Elsevier, vol. 27(C), pages 1-10.
    6. Celsi, Mary Wolfinbarger & Nelson, Russel P. & Dellande, Stephanie & Gilly, Mary C., 2017. "Temptation's itch: Mindlessness, acceptance, and mindfulness in a debt management program," Journal of Business Research, Elsevier, vol. 77(C), pages 81-94.
    7. Alan Walks, 2014. "From Financialization to Sociospatial Polarization of the City? Evidence from Canada," Economic Geography, Clark University, vol. 90(1), pages 33-66, January.
    8. James W. Peltier & Andrew J. Dahl & John E. Schibrowsky, 2016. "Sequential loss of self-control: Exploring the antecedents and consequences of student credit card debt," Journal of Financial Services Marketing, Palgrave Macmillan, vol. 21(3), pages 167-181, September.
    9. Stefano Cosma & Francesco Pattarin, 2012. "Attitudes, personality factors and household debt decisions: A study of consumer credit," Centro Studi di Banca e Finanza (CEFIN) (Center for Studies in Banking and Finance) 0031, Universita di Modena e Reggio Emilia, Dipartimento di Economia "Marco Biagi".
    10. Karanika, Katerina & Hogg, Margaret K., 2016. "Being kind to ourselves: Self-compassion, coping, and consumption," Journal of Business Research, Elsevier, vol. 69(2), pages 760-769.
    11. Jang, Sungha & Prasad, Ashutosh & Ratchford, Brian T., 2016. "Consumer spending patterns across firms and categories: Application to the size- and share-of-wallet," International Journal of Research in Marketing, Elsevier, vol. 33(1), pages 123-139.

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