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Social Norms - Risky Credit Card Behavior

Social Norms - Risky Credit Card Behavior is a five-item measure of perceived norms among young people around using credit cards, and credit card debt.

Categories

Geographies Tested: United States of America

Populations Included: Female, Male

Age Range: Adults

Items:

1. My friends think it’s acceptable to have credit card debt.
2. My friends have higher credit card debt than I do.
3. My friends often max out their credit cards.
4. My friends often take cash advances on their credit cards.
5. My friends do not really concern themselves with how much things and activities cost when they use their credit card to pay for it.

Response Options:
A Likert scale with options I strongly disagree- 1 to I strongly agree - 7

Scoring Procedures

Average of the responses is calculated.

Original Citation

Sotiropoulos, V., & d’Astous, A. (2013). Attitudinal, self-efficacy, and social norms determinants of young consumers’ propensity to overspend on credit cards. Journal of Consumer Policy, 36(2), 179-196. https://doi.org/10.1007/s10603-013-9223-3

Psychometric Score

Citation Frequency

Ease of Use Score

Formative Research

Qualitative Research

Existing Literature/Theoretical Framework

Field Expert Input

Cognitive Interviews / Pilot Testing

Reliability

Internal

Test-retest

Interrater

Validity

Content

Face

Criterion (gold-standard)

Construct

Ease of Use

Readability

Scoring Clarity

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