Agarwal, S., Hadzic, M., & Yildirim, Y. (2015).

Consumption response to credit tightening

policy: Evidence from turkey by Sumit Agarwal, Muris Hadzic, Yildiray Yildirim: SSRN. .
doi:10.2139/ssrn.2569584
Ahmed, Z. U., Ismail, I., Sohail, M. S., Tabsh, I., & Alias, H. (2010). Malaysian consumers
credit card usage behaviour. Asia Pacific Journal of Marketing and Logistics, 22(4),
528-544.

Alam, S. S., Rahim, R. A., Haq, M. R., & Khan, M. A. R. (2014). What influence credit card
debts in young consumers in Malaysia. Journal of Public Administration, Finance
and Law, (6), 106-116.

An analysis of the minimum-payment and 36-Month disclosures mandated by the CARD act
and how to improve cardholder repayment patterns *. (2015). . Retrieved from
http://www.texaslrev.com/wp-content/uploads/2015/08/Daniel-93-5.pdf

Bank Negara Malaysia. (2016) Guidelines on credit card operations. Retrieved from
http://www.bnm.gov.my/?ch=en_press&pg=en_press_all&ac=522&lang=en

Bank Negara Malaysia. (2016). New measures on credit cards to promote prudent financial
management and responsible business practices. Retrieved from
http://www.bnm.gov.my/index.php?ch=en_press&pg=en_press_all&ac=2226

Bryant, W. K. (1990). The Economic Organization off the Household, Cambridge: Cambridge
University Press

C.J. Woelfel (1994). Encyclopedia of Banking and Finance. New Delhi: S. Chand and
Company Limited, pp.267.

Campbell, J., and Mankiw, G. (1990). PermanentIncome, Current Income and Consumption,
Journal of Business and Economic Statistics,8, 265-279

Cheu, S. P., & Loke, Y. J. (2010). Credit cardholder: Convenience user or credit revolver?
Malaysian Journal of Economic Studies, 47(1), 1-17.

Choi, H. N., & DeVaney, S. (1995). Factors associated with the use of bank and retail credit
cards: Proceeding of the society for consumer psychology. America Psychology
Association, La Jolla, CA, 152-159.

CREDIT CARD -A THEORETICAL FRAMEWORK (2012) Available at:

http://shodhganga.inflibnet.ac.in/bitstream/10603/5319/10/10_chapter%202.pdf.
Danes, S. M., & Hira, T. K. (1990). Knowledge, beliefs, and practices in the use of credit
cards. Home Economics Research Journal, 18, 223-235.

Debelle, G. (2004). macroeconomic implications of rising household debt monetary and

economic department. Retrieved from
http://www.ecri.eu/new/system/files/46+2004_Macroecon_impl_rising_household_debt.pdf

Discover Bank (2001) HOW CREDIT CARDS WORK. Available at:

https://www.discover.com/discover/data/account/credittools/howtouse.pdf (Accessed: 2017).

Durkin, T. A. (2000). Credit cards: Use and consumer attitudes, 1970-2000. Federal Reserve
Bulletin, 82(9), 623-634.

E. Gordon and K. Natarajan (2006). Financial Markets and Services. New Delhi: Himalaya
Publishing House, pp.414.

Ekici, T., & Dunn, L. (2010). Credit card debt and consumption: Evidence from household-
level data. Applied Economics, 42(4), 455462. doi:10.1080/00036840801964526

Elangkovan, K. (2012). Usage of credit cards beyond limit: A case study of younger
generations in Malaysia. International Journal of Academic Research in Accounting,
Finance and Management Sciences, 2(4), 330-338.

Endut, N., & Hua, T. G. (2009). Household debt in Malaysia. BIS Papers No, 46, . Retrieved
from http://www.bis.org/publ/bppdf/bispap46l.pdf
Escape credit card trap. (2010). . Retrieved from https://www.towerfcu.org/credit-card-and-
loans/pdf/escape_credit_card_trap.pdf
Eze, U. C., Tan, C. B., & Tay, J. H. S. (2012). Credit card debt among young Malaysians: A
conceptual framework. International Conference on Innovation, Management and
Technology Research, 597-602.

Foster, A. C. (2014). Prices and spending new education classification better reflects income
and spending patterns in the consumer expenditure survey. U.S. BUREAU OF LABOR

Gan, C., Dong, W., Hu, B. and Tran, M.C. (2015) An empirical investigation of credit card
users in china.

Hershfield, H. E., & Roese, N. J. (2015). Dual payoff scenario warnings on credit card
statements elicit suboptimal payoff decisions. Journal of Consumer Psychology, 25(1), 15
27. doi:10.1016/j.jcps.2014.06.005
Hussin, S. R., Kassim, S., & Jamal, N. (2014). Credit card holders in Malaysia: Customer
characteristics and credit card usage. Int. Journal of Economics and Management, 7(1), 108
122. Retrieved from http://econ.upm.edu.my/ijem/vol7no1/bab07.pdf

J.L. Hamson (1970). The Structure of Modern Commerce. London: The English Language
Boom Society and Maclonaled and Evans Ltd., p.170.

Jambulapati, V., & Stavins, J. (n.d.). The credit CARD act of 2009: What did banks do?
SSRN Electronic Journal. doi:10.2139/ssrn.2344336
Jigsaw Research, & Jigsaw Research/ FCA. (2014). Consumer credit qualitative research:
Credit cards and unauthorised overdrafts. Retrieved from
https://www.fca.org.uk/publication/research/jigsaw-research-consumercredit-overdrafts-
creditcards.pdf

Kaynak, E., & Harcar, T. (2001). Consumers attitudes and intentions towards credit card
usage in an advanced developing country (Turkey). Journal of Financial Services
Marketing, 6(1), 24-40.

Kim, H. and DeVaney, S.A. (2001) The Determinants Of Outstanding Balances Among
Credit Card Revolvers, Association for Financia l Counseling and Planning Education,

Kinsey, J. (1981). Determinants of credit card accounts: An application of Tobit analysis. The
Journal of Consumer Research, 8(2), 172-182.

Lea, S. E. G., & Davies, E. (1995). Student attitudes to student debt. Journal of Economic
Psychology, 16, 663679.
Lee, J., & Hogarth, J. M. (2000). Relationships among information search activities when
shopping for a credit card. Journal of Consumer Affairs, 34(2), 330-360.

Loke, Y. J. (2007). Determination of merchant participation in credit card payment schemes.

Review of Network Economics, 6(4), 474-494.

Lopes, P. (2003). Credit card debt and default over the life-cycle I would like to thank.
Retrieved from http://eprints.lse.ac.uk/24869/1/dp470.pdf

Mann, R. J. (n.d.). Patterns of credit card use among low and moderate income households.
SSRN Electronic Journal. doi:10.2139/ssrn.1119268

Mendes-Da-Silva, W., Nakamura, W. T., & de Moraes, D. C. (2012). Credit card risk
behavior on college campuses: Evidence from brazil. BAR - Brazilian Administration Review,
9(3), 351373. doi:10.1590/s1807-76922012000300007
Noordin, N., Zakaria, Z., Sawal, M. Z. H. M., Ngah, K., & Hussin, Z. H. (2012). Bankruptcy
among young executives in Malaysia. International Conference on Economics
Marketing and Management, 28, 132-136.

Norvilitis, J. M., & Mendes-Da-Silva, W. (2013). Attitudes toward credit and finances among
college students in brazil and the United States. Journal of Business Theory and Practice,
1(1), 132. doi:10.22158/jbtp.v1n1p132

Powers, G. (2016, December 12). Biggest credit mistake: Making only the minimum
payment. Retrieved 2017, from Credit Card Debt,
https://www.ratesupermarket.ca/blog/biggest-credit-mistake-making-only-the-minimum-
payment/

Prelec, D., & Simester, D. (2001). Always leave home without it: A further investigation of
the credit-card effect on willingness to pay. Marketing Letters, 12(1), 5-12.

REPORT 1: DEBT AND HOUSEHOLD INCOMES. (2011). . Retrieved from

http://inclusioncentre.co.uk/wordpress29/wp-
content/uploads/2011/08/Report_Debt_and_household_incomes.pdf

Robb, C. A., & Sharpe, D. L. (2009). Effect of personal financial knowledge on college
students credit card behavior. Retrieved from http://files.eric.ed.gov/fulltext/EJ859561.pdf

S. Gurusamy (2007). Merchant Banking and Financial Services. Chennai: Vijay Nicole
Imprints Private Limited, p.344.

Saunders, L. K. (2010). Beyond the credit CARD act: Features of a safer credit card.
Retrieved from https://www.nclc.org/images/pdf/credit_cards/features-safer-credit-card.pdf

Schuh, S. D., Shy, O., & Stavins, J. (n.d.). Who gains and who loses from credit card
payments? Theory and calibrations. SSRN Electronic Journal. doi:10.2139/ssrn.1652260

Soman, D. (1999). Effects of payment mechanism on spending behavior: The illusion of

liquidity. Hong Kong University of Science and Technology, Hong Kong.

STATISTICS, 3(1), . Retrieved from https://www.bls.gov/opub/btn/volume-3/pdf/education-

classification-and-income-and-spending-patterns.pdf

Tamara, D., & Javier, S. (2004). Generation broke: The growth debt among young
Americans. Retrieved from http://www.demos.org/pubs/Generation_ Broke.pdf
Tan, A. K. G., Yen, S. T., & Loke, Y. J. (2011). Credit card holders, convenience users and
revolvers: A tobit model with binary selection and ordinal treatment. Journal of
Applied Economics, 14(2), 225-255.

Teoh, W. M. Y., Chong, S. C., & Yong, S. M. (2013). Exploring the factors influencing credit
card spending behavior among Malaysians. International Journal of Bank Marketing,
31(6), 481-500.

Vieira, K. M., de Oliveira, M. O. R., & Kunkel, F. I. R. (2016). The credit card use and debt:
Is there a trade-off between compulsive buying and ill-being perception? Journal of
Behavioral and Experimental Finance, 10, 7587. doi:10.1016/j.jbef.2016.03.001
Warwick, J., & Mansfield, P. (2000). Credit card consumers: College students knowledge
and attitude. Journal of Consumer Marketing, 17(7), 617-626.

Wilcox DW. 1989. Social security benefits, consumption expenditure, and the life cycle
hypothesis. J. Polit. Econ. 97:288304

Yilmazkuday, H. (2011). Monetary policy and credit cards: Evidence from a small
open economy. Economic Modelling, 28(1-2), 201210. doi:10.1016/j.econmod.2010.09.010