Predictors of credit card use and perceived financial well‐being in female college students: a Brazil‐United States comparative study |
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| Authors: | Danilo Braun Santos Wesley Mendes‐Da‐Silva Eduardo Flores Jill M Norvilitis |
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| Institution: | 1. Department of Accounting, Finance, and Control, Fundacao Getulio Vargas/Escola de Administracao de Empresas de Sao Paulo, Sao Paulo, Brazil;2. Department of Actuarial Science, Universidade Federal de Sao Paulo/Escola Paulista de Politica, Economia e Negocios, Osasco, Brazil;3. Department of Accounting of The Marriott School of Managemen, Brigham Young University, Provo, UT, USA;4. Department of Accounting of The College of Administration, Economics, and Accounting, University of Sao Paulo, Sao Paulo, Brazil;5. Department of Psychology, SUNY Buffalo State, Buffalo, NY, USA |
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| Abstract: | This article examines predictors of the financial well‐being of female college students living in São Paulo or New York, focusing upon the relationship with their credit card use behaviour. The results of structural equation models, based on 784 participants, suggest that financial self‐confidence and social comparison have an impact on the use of credit cards and exercise an influence on financial well‐being. Despite the fact that social comparison is more strongly predictive of credit card use among Brazilian women, credit card use behaviour has a greater impact on the well‐being of American women. |
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| Keywords: | Social comparison credit card use well‐being college students |
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