求关于信用卡的英文文献或著作

1. Credit Card Purchasing and Static Consumer Behavior Theory Credit Card Purchasing and Static Consumer Behavior Theory
Thomas L. Sporleder, Robert R. Wilson
American Journal of Agricultural Economics, Vol. 56, No. 1 (Feb., 1974), pp. 129-134
Abstract:
This article treats the theoretical consequences of consumer credit card use. A delayed
repayment model provides consumer optimization and indifference conditions between cash
and credit card transactions. Under realistic interest and opportunity cost rates, consumers
can rationally let a balance revolve about 39 percent of the time and maintain indifference
over time.
Key words: credit; consumer behavior; marketing.

2. Credit Cards and Interest Rates: Theory and Institutional Factors
Robert F. Stauffer
Journal of Post Keynesian Economics, Vol. 26, No. 2 (Winter, 2003-2004), pp. 289-301
Published by: M.E. Sharpe, Inc.

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