The objective of this study is to examine whether individuals’ level of time preference, materialism, risk-taking, optimism, and intuitiveness along with their demographic characteristics influence their credit card debt payments. Survey data from 320 credit card users are analyzed using structural equation modeling. The findings of the study reveal that optimism, intuitiveness, and materialism have a significant effect on handling credit card debt responsibly. Moreover, perceived income adequacy and having a child also influence credit card payment behavior.

中文翻译：

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影响负责任信用卡债务支付的心理和人口统计学因素

这项研究的目的是检验个人的时间偏好，唯物主义，冒险，乐观和直觉以及他们的人口统计学特征是否会影响他们的信用卡债务支付。使用结构方程模型分析了来自320位信用卡用户的调查数据。研究结果表明，乐观，直觉和唯物主义对负责任地处理信用卡债务具有重大影响。而且，感知到的收入充足和生孩子也会影响信用卡的支付行为。