Differences in Spending Habits and Credit Use of College Students

In a study of college students, affective credit attitude (feeling about using credit cards) and gender influenced college students' credit purchasing. Affective credit attitude predicted the purchase of clothing, electronics, entertainment, travel, gasoline, and food away from home. Females pu...

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Bibliographic Details
Published in:The Journal of consumer affairs 2000-07, Vol.34 (1), p.113-133
Main Authors: HAYHOE, CELIA RAY, LEACH, LAUREN J., TURNER, PAMELA R., BRUIN, MARILYN J., LAWRENCE, FRANCES C.
Format: Article
Language:English
Subjects:
Attitudes
College student consumers
College students
College students as consumers
Consumer attitudes
Consumer behavior
Consumer behaviour
Consumer credit
Consumption
Credit
Credit card industry
Credit card processing
Credit card processing services
Credit cards
Economic aspects
Economic conditions
Expenditures
Females
Finance
Financial management
Fuels
Gender differences
Gender differentiation
Income
Individual Differences
Males
Marital status
Marketing
Men
Money Management
Path Analysis
Personal finance
Psychological attitudes
Purchasing
Sex differences
Statistical analysis
Student attitudes
Students
Studies
Undergraduate Students
United States
Women
Youth market
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Summary:In a study of college students, affective credit attitude (feeling about using credit cards) and gender influenced college students' credit purchasing. Affective credit attitude predicted the purchase of clothing, electronics, entertainment, travel, gasoline, and food away from home. Females purchased clothing; males purchased electronics, entertainment, and food away from home. Gender was more influential in predicting financial management practices than was affective credit attitude, with female students employing a greater number of financial practices. A path analysis model showed gender differences in the relationship between financial practices, financial stress, affective credit attitude, and the number of credit cards with a balance.
ISSN:0022-0078
1745-6606
DOI:10.1111/j.1745-6606.2000.tb00087.x