NotesFAQContact Us
Search Tips
Back to results
Peer reviewed Peer reviewed
Direct linkDirect link
ERIC Number: EJ891086
Record Type: Journal
Publication Date: 2010
Pages: 13
Abstractor: As Provided
ISSN: ISSN-0033-2933
The "Negative" Credit Card Effect: Credit Cards as Spending-Limiting Stimuli in New Zealand
Lie, Celia; Hunt, Maree; Peters, Heather L.; Veliu, Bahrie; Harper, David
Psychological Record, v60 n3 p399-411 Sum 2010
The "credit card effect" describes a finding where greater value is given to consumer items if credit card logos are present. One explanation for the effect is that credit cards elicit spending behavior through associative learning. If this is true, social, economic and historical contexts should alter this effect. In Experiment 1, Year 1 New Zealand university students valued consumer items less in the presence of credit card logos. Experiment 2 replicated this effect. These findings support the idea that New Zealand students' negative conditioning history with credit card stimuli results in a "negative" credit card effect, whereby credit cards limit rather than facilitate spending. This "negative" effect suggests that the presence or absence of a "positive" effect in previous studies depends on previous associations with credit card stimuli. (Contains 4 tables and 1 figure.)
Southern Illinois University Carbondale. Mailcode 4609, Rehabilitation Institute, Carbondale, IL 62901-4609. Tel: 618-536-7704; e-mail:; Web site:
Publication Type: Journal Articles; Reports - Research; Tests/Questionnaires
Education Level: Higher Education
Audience: N/A
Language: English
Sponsor: N/A
Authoring Institution: N/A
Identifiers - Location: New Zealand
Grant or Contract Numbers: N/A