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1
https://www.bis.org/events/eopix_1810/schuh_paper.pdf
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2
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3
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8
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10
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11
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27
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28
https://www.washingtonpost.com/business/2022/10/17/credit-card-debt-interest-rates/
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29
https://fee.org/articles/how-the-government-is-causing-a-credit-card-debt-crisis/
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30
https://www.unomaha.edu/college-of-business-administration/center-for-economic-education/teacher-resources/6-8/consumer-credit-buy-now-pay-later.pdf
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31
https://www.brookings.edu/opinions/how-credit-card-companies-reward-the-rich-and-punish-the-rest-of-us/
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32
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36
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37
https://www.fdic.gov/regulations/examinations/credit_card/pdf_version/ch2.pdf
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40
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41
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42
https://www.economist.com/finance-and-economics/2022/08/17/can-the-visa-mastercard-duopoly-be-broken
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43
https://www.cnn.com/2022/08/02/economy/consumer-credit-borrowing-surge
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44
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45
https://laweconcenter.org/resource/credit-cards-and-the-reverse-robin-hood-fallacy-do-credit-card-rewards-really-steal-from-the-poor-and-give-to-the-rich/
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49
https://home.uchicago.edu/bursztyn/Status_Goods_2017_09_20.pdf
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https://www.baconsrebellion.com/wp/are-virginians-putting-the-states-economy-on-their-credit-cards/
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53
https://www.occ.treas.gov/publications-and-resources/publications/comptrollers-handbook/files/credit-card-lending/pub-ch-credit-card.pdf
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54
https://theo.to/_media/credit.pdf
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55
https://hbr.org/2018/07/how-behavioral-economics-could-help-reduce-credit-card-delinquency
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56
https://repository.upenn.edu/cgi/viewcontent.cgi?article=1018&context=pennwhartonppi
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https://onlinelibrary.wiley.com/doi/pdf/10.3982/QE604
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58
https://www.nber.org/papers/w23414
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59
https://www.econlib.org/library/Topics/HighSchool/Credit.html
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60
https://www.britannica.com/topic/credit-card
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61
https://www.econ.iastate.edu/ask-an-economist/are-credit-card-surcharges-better-consumer
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62
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63
https://www.businessinsider.com/credit-card-use-increasing-in-us-economy-2018-5
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66
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https://www.abacademies.org/articles/impact-of-credit-cards-and-debit-cards-on-currency-demand-and-seigniorage-evidence-from-india-6753.html
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https://files.eric.ed.gov/fulltext/EJ1162042.pdf
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https://paymentdepot.com/blog/credit-cards-economy/
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72
https://heinonline.org/hol-cgi-bin/get_pdf.cgi?handle=hein.journals/antil63§ion=29
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73
https://www.bi.edu/research/business-review/articles/2020/06/credit-cards-in-the-freezer-explaining-payment-problems-with-behavior/
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74
https://economics.stackexchange.com/questions/8819/does-the-introduction-of-credit-card-affects-money-velocity
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75
https://www.aba.com/news-research/research-analysis/the-benefits-of-credit-card-rewards
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76
https://economiapertutti.bancaditalia.it/video/storie-di-vita/video-1571936067055
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77
https://www.behavioraleconomics.com/the-behavioral-economics-of-payment-methods/
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78
https://www.thoughtco.com/credit-cards-and-the-money-supply-1146295
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https://www.occ.gov/publications-and-resources/publications/economics/on-point/pub-on-point-credit-card-delinquencies.pdf
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80
https://truthonthemarket.com/2009/12/09/assessing-the-social-effects-of-the-use-of-credit-cards/
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81
https://www.tandfonline.com/doi/abs/10.1080/13504851.2021.1983130
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https://news.northeastern.edu/2022/08/04/credit-card-reward/
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https://equitablegrowth.org/supreme-court-decision-on-credit-cards-undermines-competition-celebrates-price-increases-and-will-contribute-to-economic-inequality/
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https://www.davidpublisher.com/Public/uploads/Contribute/58c0fe85280de.pdf
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https://economics.td.com/us-take-cash
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https://www.irs.gov/newsroom/economic-impact-payments-being-sent-by-prepaid-debit-cards-arrive-in-plain-envelope-irsgov-answers-frequently-asked-questions
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https://www.ausubel.com/creditcard-papers/adverse.pdf
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https://newsroom.bankofamerica.com/content/newsroom/press-releases/2022/06/bank-of-america-credit-and-debit-card-data-shows-continued-growt.html
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https://www.theguardian.com/commentisfree/2020/nov/26/uk-maxed-out-credit-card-bad-economics-pandemic-austerity
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