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.


Short Measure

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

CATEGORIES:


GEOGRAPHIES TESTED:

United States of America

POPULATIONS INCLUDED:
Female
Male

AGE RANGE:
Adults

DOWNLOAD MEASURE

Scoring Procedures:

Average of the responses is calculated.

PRIMARY 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:

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

Psychometric Scoring

MEDIUM
Total Score: 3.50/8 Points (MEDIUM) 

Citation Frequency

HIGH

KEY

 FULL POINTS
 PARTIAL POINTS
 NOT ASSESSED
 NOT APPLICABLE

For more details, see Scoring Methodology

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