Andrew K.G. Tan|Steven T. Yen|Yiing Jia Loke
Credit Card Holders, Convenience Users and Revolvers: A Tobit Model with Binary Selection and Ordinal Treatment
Hospital Universiti Sains Malaysia|University of Tennessee at Knoxville|Hospital Universiti Sains Malaysia
paper studies characteristics credit card holders malaysia distinguishes convenience users revolvers tobit model binary selection ordinal treatment developed accommodate data feature debts incurred among card holders endogeneity card holding card debt results stratified sample malaysia indicate age household size income education loan commitments currentaccount ownership play role card holding age loan commitments previous card holdings currentaccount ownership bad debt history affect probability level card debt multicard holders likely credit revolvers convenience users