Personality and credit card misuse among college students: The mediating role of impulsiveness

Journal of Marketing Theory and Practice

Volumn 15, Issue 1, 2007, Pages 65-77

  Pirog III, Stephen F ^a   Roberts, James A ^b  

^a SETON HALL UNIVERSITY   (United States)

^b BAYLOR UNIVERSITY   (United States)

Author keywords

[No Author keywords available]

Indexed keywords

EID: 33846506177     PISSN: 10696679     EISSN: None     Source Type: Journal    
DOI: 10.2753/MTP1069-6679150105     Document Type: Article

References (49)

1. Allport, Gordon (1961), Pattern and Growth in Personality, New York: Holt, Rinehart, & Winston.
2. Baumeister, Roy F. (2002), "Yielding to Temptation: Self-Control Failure, Impulsive Purchasing, and Consumer Behavior" Journal of Consumer Research, 28 (4), 670-676.
3. Baumgartner, Hans (2002), "Toward a Personology of the Consumer," Journal of Consumer Research, 29 (September), 286-292.
4. Bernthal, Matthew, David Crockett, and Randall L. Rose (2005), "Credit Cards as Lifestyle Facilitators," Journal of Consumer Research, 32 (1), 130-145.
5. Bianco, Candy, and Susan Bosco (2002), "Ethical Issues in Credit Card Solicitation of College Students-The Responsibilities of Credit Card Issuers, Higher Education, and Student," Teaching Business Ethics, 6 (1), 45-62.
6. Buss, David M. (1989), "Personality as Traits," American Psychologist, 44 (November), 1378-1388.
7. Cole, Catherine (1998), "Identifying Interventions to Reduce Credit Card Misuse Through Consumer Behavior Research," in Proceedings of the Marketing and Public Policy Conference, Alan Andreasen, ed., Washington, DC: Georgetown University Press, 11-13.
8. d'Astous, Alain, Julie Maltais, and Caroline Roberge (1990), "Compulsive Buying Tendencies of Adolescent Consumers," in Advances in Consumer Research, vol. 17, Marvin E. Goldberg and Gerald Gorn, eds., Provo, UT. Association for Consumer Research, 306-312.
9. Dittmar, Helga (2005). "Compulsive Buying-A Growing Concern? An Examination of Gender, Age, and Endorsement of Materialistic Values as Predictors," British Journal of Psychology, 96 (November), 467-491.
10. Endler, Norman S., and Alvin J. Rosenstein (1997), "Evolution of Personality Construct in Marketing and Its Application to Contemporary Personality Research," Journal of Consumer Psychology, 6 (1), 55-66.
11. Faber, Ronald, and Thomas O'Guinn (1988), "Compulsive Consumption and Credit Abuse," Journal of Consumer Policy, 11 (1), 97-109.
12. Faber, Ronald, and Thomas O'Guinn (1992), "A Clinical Screener for Compulsive Buying," Journal of Consumer Research, 19 (December), 459-469.
13. Goldberg, Lewis R. (1992), "The Development of Markers for the Big-Five Structure," Psychological Assessment, 4, 1 (March), 26-42.
14. Harris, Eric G., and John C. Mowen (2001), "The Influence of Cardinal-, Central-, and Surface-Level Personality Traits on Consumers' Bargaining and Complaint Intentions," Psychology & Marketing, 18 (11), 1155-1185.
15. Hayhoe, Celia Ray, Lauren J. Leach, Pamela R. Turner, Marilyn J. Bruin, and Frances C. Lawrence (2000), "Differences in Spending Habits and Credit Use of College Students," Journal of Consumer Affairs, 34 (1), 113-133.
16. Judd, Charles M., and David A. Kenny (1981), "Process Analysis: Estimating Mediation in Treatment Evaluations," Evaluation Review, 5 (5), 602-619.
17. Lyons, Angela (2004), "A Profile of Financially At-Risk College Students," Journal of Consumer Affairs, 38 (1), 56-80.
18. Manning, Robert D. (2000), Credit Card Nation, New York: Basic Books.
19. Mansfield, Phylis, Mary Beth Pinto, and Diane H. Parente (2003), "Self-Control and Credit Card Use Among College Students," Psychological Reports, 92 (2), 1067-1078.
20. Mehrabian, Albert, and James A. Russell (1974), An Approach to Environmental Psychology, Cambridge, MA: MIT Press.
21. Miller, Kay (2000), "Credit Conundrum," Minneapolis Star and Tribune (August 9), E1, E7.
22. Mooradian, Todd, and James Olver (1997), "I Can't Get No Satisfaction: The Impact of Personality and Emotion on Postpurchase Processes," Psychology & Marketing, 14 (4), 379-393.
23. Moraven, Mark, Roy F. Baumeister, and Dianne M. Tice, (1999), "Longitudinal Improvement of Self-Regulation Through Practice: Building Self-Control Through Repeated Exercise," Journal of Social Psychology, 139 (August), 446-457.
24. Mowen, John C. (2000), The 3M Model of Motivation and Personality. Theory and Empirical Application to Consumer Behavior, Boston: Kluwer Academic.
25. Mowen, John C. and Nancy Spears (1999), "Compulsive Buying Among College Students: A Hierarchical Model Approach," Journal of Consumer Psychology, 8 (4), 407-430.
26. Nellie Mae (2001), "Undergraduate Students and Credit Cards: An Analysis of Usage Rates and Trends," Braintree, MA (available at www.nelliemae.com/library/research_9.html).
27. Palmer, Todd Starr, Mary Beth Pinto, and Diane H. Parente (2001), "College Students' Credit Card Debt and the Role of Parental Involvement: Implications for Public Policy," Journal of Public Policy and Marketing, 20 (1), 105-113.
28. Puri, Radhika (1996), "Measuring and Modifying Consumer Impulsiveness: A Cost-Benefit Accessibility Framework," Journal of Consumer Psychology, 5 (2), 87-113.
29. Richins, Marsha L. (1983), "An Analysis of Consumer Interaction Styles in the Marketplace," Journal of Consumer Research, 10 (1), 73-82.
30. Roberts, James A. (1998), "Compulsive Buying Among College Students: An Investigation of Its Antecedents, Consequences, and Implications for Public Policy," Journal of Consumer Affairs, 32 (2), 259-319.
31. Roberts, James A. and Eli Jones (2001), "Money Attitudes, Credit Card Use, and Compulsive Buying Among American College Students," Journal of Consumer Affairs, 35 (2), 213-241.
32. Roberts, James A. and Stephen F. Pirog, III (2004), "Personal Goals and Their Role in Consumer Behavior: The Case of Compulsive Buying," Journal of Marketing Theory and Practice, 12 (Summer), 61-73.
33. Roberts, James A. and John F. (Jeff) Tanner, Jr. (2000), "Compulsive Buying and Risky Behavior Among Adolescents," Psychological Reports, 86, 763-770.
34. Rook, Dennis W. (1987), "The Buying Impulse," Journal of Consumer Research, 14 (September), 189-199.
35. Rook, Dennis W. and Robert J. Fisher (1995), "Normative Influences on Impulsive Buying Behavior," Journal of Consumer Research, 22 (December), 305-313.
36. Saucier, Gerard (1994), "Mini-Markers: A Brief Version of Goldberg's Unipolar Big-Five Markers," Journal of Personality Assessment, 63 (3), 506-516.
37. Schor, Juliet (1998), The Overspent American: Upscaling, Downshifting and the New Consumer, New York: Basic Books.
38. Shrout, Patrick E., and Niall Bolger (2002), "Mediation in Experimental and Nonexperimental Studies: New Procedures and Recommendations," Psychological Methods, 7 (4), 422-445.
39. Sobel, Michael E. (1982), "Asymptotic Intervals for Indirect Effects in Structural Equations Models," in Sociological Methodology 1982, S. Leinhart, ed., San Francisco: Jossey-Bass, 290-312.
40. Soman, Dilip (2001), "Effects of Payment Mechanism on Spending Behavior: The Role of Rehearsal and Immediacy of Payments," Journal of Consumer Research, 27 (March), 460-474.
41. Strayhorn, Joseph M., Jr. (2002), "Self-Control: Theory and Research," Journal of American Academy of Child and Adolescent Psychiatry, 41 (January), 7-16.
42. Sujan, Harish (2001), "Review: The 3M Model of Motivation and Personality: Theory and Empirical Applications to Consumer Behavior," Journal of Marketing Research, 38 (3), 396-397.
43. Sullivan, Teresa A., Elizabeth Warren, and Jay Westerbrook (2000), The Fragile Middle Class: Americans in Debt, New Haven: Yale University Press.
44. Tokunga, Howard (1993), "The Use and Abuse of Consumer Credit: Applications of Psychological Theory and Research," Journal of Economic Psychology, 14 (June), 285-316.
45. Vargo, Stephen L., and Robert F. Lusch (2004), "Evolving to a New Dominant Logic for Marketing," Journal of Marketing, 68 (January), 1-17.
46. Weiss, Michael J. (2003), "To Be About to Be," American Demographics, 25 (7), 28-36.
47. Yamauchi, Kent, and Donald Templar (1982), "The Development of a Money Attitudes Scale," Journal of Personality Assessment, 46, 5 (October), 522-528.
48. Youn, Seounmi, and Ronald J. Faber (2000), "Impulse Buying: Its Relation to Personality Traits and Cues," in Advances in Consumer Research, vol. 27, Stephen J. Hoch and Robert J. Meyer, eds., Provo, UT: Association for Consumer Research, 179-185.
49. Zuckerman, Marvin (1979), Sensation Seeking: Beyond the Optimum Level of Arousal, Hillsdale, NJ: Lawrence Erlbaum.