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Chatterji, Aaron K. and Robert C. Seamans, 2012. Entrepreneurial Finance, Credit Cards, and Race. Journal of Financial Economics 106, 182-95.
Chetty, Raj and Adam Szeidl, 2007. Consumption Commitments and Risk Preferences. Quarterly Journal of Economics 122:2, 831-77.
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Gross, David B. and Nicholas S. Souleles, 2002. Do Liquidity Constraints and Interest Rates Matter for Consumer Behavior? Evidence from Credit Card Data. Quarterly Journal of Economics 117:1, 149-85.
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Jiang, Sarah S. and Lucia F. Dunn, 2013. New Evidence on Credit Card Borrowing and Repayment Patterns. Economic Inquiry 51:1, 394-407.
Karlan, Dean and Jonathan Zinman, 2010. Expanding Credit Access: Using Randomized Supply Decisions to Estimate the Impacts. Review of Financial Studies 23:1, 433-64.
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Malmendier, Ulrike, Geoffrey Tate, and Jon Yan, 2011. Overconfidence and Early-Life Experiences: The Effect of Managerial Traits on Corporate Policies. Journal of Finance 66:5, 1687-1733.
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Meier, Stephan and Charles Sprenger, 2010. Present-biased Preferences and Credit Card Borrowing. American Economic Journal: Applied Economics 2:1, 193-210.
Melzer, Brian T., 2011. The Real Costs of Credit Access: Evidence from the Payday Lending Market. Quarterly Journal of Economics 126, 517-55.
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Stango, Victor and Jonathan Zinman, 2009. Exponential Growth Bias and Household Finance. Journal of Finance 44:6, 2807-49.
Stango, Victor and Jonathan Zinman, 2011. Fuzzy Math, Disclosure Regulation, and market Outcomes: Evidence from Truth-in-Lending Reform. Review of Financial Studies 24:2, 506-34.
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