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Plastic choices: Consumer usage of bank cards versus proprietary credit cards

Listed author(s):
  • Kenneth Carow

    ()

  • Michael Staten
Registered author(s):

    Using survey data from retail and gasoline cardholders, we examine the substitution of general purpose (bank) cards for proprietary cards and how issuers can predict which consumers are most likely to substitute. Convenience and rebates are the primary reasons for using a bank card. However, consumers use their proprietary gasoline cards to keep purchase records and proprietary retail cards to obtain better service. These results help explain the growth in popularity of “co-branded” cards. Copyright Springer 2002

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    File URL: http://hdl.handle.net/10.1007/BF02755987
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    Article provided by Springer & Academy of Economics and Finance in its journal Journal of Economics and Finance.

    Volume (Year): 26 (2002)
    Issue (Month): 2 (June)
    Pages: 216-232

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    Handle: RePEc:spr:jecfin:v:26:y:2002:i:2:p:216-232
    DOI: 10.1007/BF02755987
    Contact details of provider: Web page: http://www.springer.com

    Web page: http://economics-finance.org/

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    Order Information: Web: http://www.springer.com/economics/journal/12197/PS2

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    1. Duca, John V & Whitesell, William C, 1995. "Credit Cards and Money Demand: A Cross-sectional Study," Journal of Money, Credit and Banking, Blackwell Publishing, vol. 27(2), pages 604-623, May.
    2. Whitesell, William C, 1989. "The Demand for Currency versus Debitable Accounts: A Note," Journal of Money, Credit and Banking, Blackwell Publishing, vol. 21(2), pages 246-257, May.
    3. Whitesell, William C, 1992. "Deposit Banks and the Market for Payment Media," Journal of Money, Credit and Banking, Blackwell Publishing, vol. 24(4), pages 483-498, November.
    4. Santomero, Anthony M & Seater, John J, 1996. "Alternative Monies and the Demand for Media of Exchange," Journal of Money, Credit and Banking, Blackwell Publishing, vol. 28(4), pages 942-960, November.
    5. Santomero, Anthony M, 1974. "A Model of the Demand for Money by Households," Journal of Finance, American Finance Association, vol. 29(1), pages 89-102, March.
    6. Duca John V. & Rosenthal Stuart S., 1993. "Borrowing Constraints, Household Debt, and Racial Discrimination in Loan Markets," Journal of Financial Intermediation, Elsevier, vol. 3(1), pages 77-103, October.
    7. Horvitz, Paul M, 1996. "Preserving Competition in Electronic Home Banking," Journal of Money, Credit and Banking, Blackwell Publishing, vol. 28(4), pages 971-974, November.
    8. Carow, Kenneth A. & Staten, Michael E., 1999. "Debit, credit, or cash: survey evidence on gasoline purchases," Journal of Economics and Business, Elsevier, vol. 51(5), pages 409-421, September.
    9. Paul M. Horvitz, 1996. "Preserving competition in electronic home banking," Proceedings, Board of Governors of the Federal Reserve System (U.S.), pages 971-974.
    10. McFadden, Daniel, 1974. "The measurement of urban travel demand," Journal of Public Economics, Elsevier, vol. 3(4), pages 303-328, November.
    11. Tullio Jappelli, 1990. "Who is Credit Constrained in the U. S. Economy?," The Quarterly Journal of Economics, Oxford University Press, vol. 105(1), pages 219-234.
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