Journal of Financial Services Marketing

, Volume 17, Issue 2, pp 148–162

Are college students at greater risk of credit card abuse? Age, gender, materialism and parental influence on consumer response to credit cards

Original Article

DOI: 10.1057/fsm.2012.9

Cite this article as:
Limbu, Y., Huhmann, B. & Xu, B. J Financ Serv Mark (2012) 17: 148. doi:10.1057/fsm.2012.9


Two studies examine age, gender, parental influence and materialism effects on consumers’ credit card attitudes and behavior. Credit card commitment and use are greater among older adults than college students. Women outperform men in managing balances. Materialism heightens commitment, trust and use, but interferes with outstanding balance management. Parental influence can improve students’ commitment, trust, use and balance management while discouraging overuse. Parental influence also mediates materialism's effect on trust and balance management. Overall, findings show college students are not more vulnerable than older adults to credit card abuse, but that students who are female, materialistic and with less parental influence are at more risk.


credit cardscollege studentsagegenderparental influencematerialism

Copyright information

© Palgrave Macmillan, a division of Macmillan Publishers Ltd 2012

Authors and Affiliations

  1. 1.Marketing DepartmentMontclair State UniversityMontclairUSA