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Securing Debt in an Insecure World: Credit Cards and Capital Markets

Louis Hyman

in Debtor Nation: The History of America in Red Ink

Published in print:
2011
Published Online:
October 2017
ISBN:
9780691140681
eISBN:
9781400838400
Item type:
chapter
Publisher:
Princeton University Press
DOI:
10.23943/princeton/9780691140681.003.0008
Subject:
History, American History: 20th Century

This chapter explores how profits on credit cards became the center of lending. By the early 1980s, credit cards metamorphosed from break-even investments to leading earners. With much higher profits ... More


Credit Cards

Bar-Gill Oren

in Seduction by Contract: Law, Economics, and Psychology in Consumer Markets

Published in print:
2012
Published Online:
September 2012
ISBN:
9780199663361
eISBN:
9780191751660
Item type:
chapter
Publisher:
Oxford University Press
DOI:
10.1093/acprof:oso/9780199663361.003.0003
Subject:
Law, Company and Commercial Law

This chapter focuses on the credit card contract. It identifies two features common to most credit card contracts — complexity and deferred costs. It presents a behavioural-economics theory of credit ... More


Consumer Credit, Self-Discipline, and Risk Management

Paul Langley

in Managing Financial Risks: From Global to Local

Published in print:
2009
Published Online:
September 2009
ISBN:
9780199557431
eISBN:
9780191721687
Item type:
chapter
Publisher:
Oxford University Press
DOI:
10.1093/acprof:oso/9780199557431.003.0013
Subject:
Business and Management, Political Economy, Finance, Accounting, and Banking

This chapter examines the embodied economy of mass market consumer credit, an area of economic activity that ballooned at the same time as the housing market. Drawing on governmentality literature, ... More


War and Credit: Government Regulation and Changing Credit Practices

Louis Hyman

in Debtor Nation: The History of America in Red Ink

Published in print:
2011
Published Online:
October 2017
ISBN:
9780691140681
eISBN:
9781400838400
Item type:
chapter
Publisher:
Princeton University Press
DOI:
10.23943/princeton/9780691140681.003.0005
Subject:
History, American History: 20th Century

This chapter looks at a federal policy called Regulation W. As the federal government attempted to restrain inflation during World War II scarcity, it instituted both the well-known rationing program ... More


Consumer Credit and the Payments System: Evolution of the Credit Card

Thomas A. Durkin, Gregory Elliehausen, Michael E. Staten, and Todd J. Zywicki

in Consumer Credit and the American Economy

Published in print:
2014
Published Online:
August 2014
ISBN:
9780195169928
eISBN:
9780199384976
Item type:
chapter
Publisher:
Oxford University Press
DOI:
10.1093/acprof:oso/9780195169928.003.0007
Subject:
Economics and Finance, Microeconomics

The credit card is an outcome of technological change that allows both payments and credit generation to take place with prearranged lines of open-end credit that may be accessed worldwide. Declining ... More


The Uncertain Subjects of Everyday Borrowing

Paul Langley

in The Everyday Life of Global Finance: Saving and Borrowing in Anglo-America

Published in print:
2008
Published Online:
September 2008
ISBN:
9780199236596
eISBN:
9780191717079
Item type:
chapter
Publisher:
Oxford University Press
DOI:
10.1093/acprof:oso/9780199236596.003.0009
Subject:
Economics and Finance, Financial Economics

This chapter focuses on the embodiment of the borrowing boom, and the re-making of mortgagors and credit card borrowers in particular. The first part of the chapter concentrates on the responsible ... More


Consumer Contracts

Erin A. O'Hara and Larry E. Ribstein

in The Law Market

Published in print:
2009
Published Online:
May 2009
ISBN:
9780195312898
eISBN:
9780199871025
Item type:
chapter
Publisher:
Oxford University Press
DOI:
10.1093/acprof:oso/9780195312898.003.0007
Subject:
Political Science, American Politics

This chapter explores the use of choice-of-law, choice-of-court, and arbitration clauses in consumer contracts, including electronic commerce. It explores the question of the extent to which ... More


The rise of the Provident system: check trading

Sean O'Connell

in Credit and Community: Working-Class Debt in the UK since 1880

Published in print:
2009
Published Online:
January 2009
ISBN:
9780199263318
eISBN:
9780191718793
Item type:
chapter
Publisher:
Oxford University Press
DOI:
10.1093/acprof:oso/9780199263318.003.0003
Subject:
History, British and Irish Modern History

This chapter utilizes Provident Financial's archives to chart the history, scale, and scope of check trading. By the 1930s, Provident alone had one million customers. Checks (which were used in shops ... More


A Different Story of Bankruptcy

Stuart Vyse

in Going Broke: Why Americans Can't Hold On To Their Money

Published in print:
2008
Published Online:
March 2012
ISBN:
9780195306996
eISBN:
9780199847099
Item type:
chapter
Publisher:
Oxford University Press
DOI:
10.1093/acprof:oso/9780195306996.003.0005
Subject:
Psychology, Social Psychology

This chapter discusses how changes in the social and economic environment throughout recent history have affected human behavior regarding finance. It begins by taking a look at spending habits. This ... More


Executive Stewardship of America’s Credit Card Economy

Sean H. Vanatta

in The President and American Capitalism Since 1945

Published in print:
2017
Published Online:
May 2018
ISBN:
9780813056524
eISBN:
9780813053455
Item type:
chapter
Publisher:
University Press of Florida
DOI:
10.5744/florida/9780813056524.003.0010
Subject:
History, American History: 20th Century

Under the auspices of the Credit Control Act of 1969, President Jimmy Carter sought to restrict inflationary forms of credit—especially the use of credit cards. These unpopular actions contributed ... More


Consumer Credit and the American Economy

Thomas A. Durkin, Gregory Elliehausen, Michael E. Staten, and Todd J. Zywicki

Published in print:
2014
Published Online:
August 2014
ISBN:
9780195169928
eISBN:
9780199384976
Item type:
book
Publisher:
Oxford University Press
DOI:
10.1093/acprof:oso/9780195169928.001.0001
Subject:
Economics and Finance, Microeconomics

Chapters 1 to 5 discuss types, trends, and basic economics and psychology of consumer credit use, including credit demand, credit supply, theories from behavioral economics, and financial ... More


Consumer Credit Market in Korea since the Economic Crisis

Chang-Gyun Park

in Financial Sector Development in the Pacific Rim

Published in print:
2009
Published Online:
February 2013
ISBN:
9780226386843
eISBN:
9780226386867
Item type:
chapter
Publisher:
University of Chicago Press
DOI:
10.7208/chicago/9780226386867.003.0017
Subject:
Economics and Finance, South and East Asia

This chapter documents the rapid growth of household credit in Korea since the foreign exchange crisis in 1997. It also examines the development of the credit card crisis in 2003 and evaluates the ... More


Plastic Money: Constructing Markets for Credit Cards in Eight Postcommunist Countries

Alya Guseva and Akos Rona-Tas

Published in print:
2014
Published Online:
September 2014
ISBN:
9780804768573
eISBN:
9780804789592
Item type:
book
Publisher:
Stanford University Press
DOI:
10.11126/stanford/9780804768573.001.0001
Subject:
Sociology, Economic Sociology

This book draws on original fieldwork to provide a comparative analysis of emerging credit card markets in eight countries--the Czech Republic, Hungary, Poland, Bulgaria, Russia, Ukraine, China and ... More


Information Security of Financial Data: Quasi-Secrets: The Nature of Financial Information and Its Implications for Data Security

Cem Paya

in Harboring Data: Information Security, Law, and the Corporation

Published in print:
2009
Published Online:
June 2013
ISBN:
9780804760089
eISBN:
9780804772594
Item type:
chapter
Publisher:
Stanford University Press
DOI:
10.11126/stanford/9780804760089.003.0008
Subject:
Law, Intellectual Property, IT, and Media Law

This chapter presents a technical critique challenging the most basic premises underlying the Gramm–Leach–Bliley Act—that “financial data” refers to data held by financial institutions. Instead, it ... More


Credit Puzzles

Akos Rona-Tas and Alya Guseva

in Plastic Money: Constructing Markets for Credit Cards in Eight Postcommunist Countries

Published in print:
2014
Published Online:
September 2014
ISBN:
9780804768573
eISBN:
9780804789592
Item type:
chapter
Publisher:
Stanford University Press
DOI:
10.11126/stanford/9780804768573.003.0004
Subject:
Sociology, Economic Sociology

This chapter continues the discussion in the previous chapter focusing on the puzzles related to the consumer loan side of the credit card--information asymmetry, information sharing and market ... More


Technology and Public Policy: The Preconditions for the Retail Revolution

Frederick H. Abernathy and Anthony P. Volpe

in The Market Makers: How Retailers are Reshaping the Global Economy

Published in print:
2011
Published Online:
May 2011
ISBN:
9780199590179
eISBN:
9780191724893
Item type:
chapter
Publisher:
Oxford University Press
DOI:
10.1093/acprof:oso/9780199590179.003.0003
Subject:
Business and Management, International Business

In this chapter, Frederick Abernathy and Anthony Volpe demonstrate the dual impact that technological innovations have had on retailing. Some innovations enable retailing by indirectly providing ... More


Going Broke: Why Americans Can't Hold On To Their Money

Stuart Vyse

Published in print:
2008
Published Online:
March 2012
ISBN:
9780195306996
eISBN:
9780199847099
Item type:
book
Publisher:
Oxford University Press
DOI:
10.1093/acprof:oso/9780195306996.001.0001
Subject:
Psychology, Social Psychology

This book offers a psychological perspective on the financial behavior of the many Americans today who find they cannot make ends meet, illuminating the causes of wildly self-destructive spending ... More


The Story of Bankruptcy

Stuart Vyse

in Going Broke: Why Americans Can't Hold On To Their Money

Published in print:
2008
Published Online:
March 2012
ISBN:
9780195306996
eISBN:
9780199847099
Item type:
chapter
Publisher:
Oxford University Press
DOI:
10.1093/acprof:oso/9780195306996.003.0003
Subject:
Psychology, Social Psychology

Financial failure has been rising at a dizzying rate, but the explanations for this so far offered could not be more different. The chapter outlines another story of bankruptcy. Caroline's debt was ... More


Special Purpose Vehicles and Securitization

Gary B. Gorton and Nicholas S. Souleles

in The Risks of Financial Institutions

Published in print:
2007
Published Online:
February 2013
ISBN:
9780226092850
eISBN:
9780226092980
Item type:
chapter
Publisher:
University of Chicago Press
DOI:
10.7208/chicago/9780226092980.003.0013
Subject:
Economics and Finance, Financial Economics

This chapter provides evidence that credit card securitizations do not transfer as much risk as a literal interpretation of such structures might imply. It is argued that the existence of special ... More


New Ways of Spending

Stuart Vyse

in Going Broke: Why Americans Can't Hold On To Their Money

Published in print:
2008
Published Online:
March 2012
ISBN:
9780195306996
eISBN:
9780199847099
Item type:
chapter
Publisher:
Oxford University Press
DOI:
10.1093/acprof:oso/9780195306996.003.0007
Subject:
Psychology, Social Psychology

This chapter first looks at how things have changed in terms of spending away from the home and then looks at spending at home. Specifically it describes the dramatic transformation of purchasing and ... More


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