The DOI matches its Crossref record; 28 of the 28 references it cites were found in a registry or an index.
Antecedents and Consequences of Risky Credit Behavior among College Students: Application and Extension of the Theory of Planned Behavior
Open accessAbstract
The Credit Card Act of 2009 reflects increased public policy concern about the risky credit behaviors of young adults. This act promotes increased responsibility of parents and implies that young adults must acquire financial knowledge and practice responsible financial behaviors. This study addresses this public issue by investigating the psychological processes underlying young adults’ risky credit card behaviors and the role of parents and financial knowledge in the financial behavior of young adults. A conceptual model based on an extension of the theory of planned behavior is proposed. The authors collected data from a sample of first-year students at a major public university. The results show that both parental norm and parental socioeconomic status are important factors that influence students’ risky credit behaviors. Furthermore, subjective financial knowledge does more to prevent risky credit behaviors than objective financial knowledge. Finally, behavioral intention is the most important factor in preventing risky credit behaviors and credit card debt accumulation. The authors draw on their findings to provide public policy implications.
Overview
The claims and statistics of this paper haven’t been checked yet.
Run the check — free, no account needed. It reads the open-access text and checks the sources it cites.
Integrity signals
Registry
Cites
Statistics
Verification
Claims the paper makes
The claims and statistics of this paper haven’t been checked yet.
Run the check — free, no account needed. It reads the open-access text and checks the sources it cites.
Self-check
Percentages, sums and reported differences re-computed from the paper’s own numbers.
The self-check needs the paper’s full text.
Citations
Cites
The theory of planned behavior
Ajzen, I. (1991) · Organizational Behavior and Human Decision Processes · doi:10.1016/0749-5978(91)90020-t · Cited by 90,587
Structural equation modeling in practice: A review and recommended two-step approach
Anderson, J. C., & Gerbing, D. W. (1988) · Psychological Bulletin · doi:10.1037/0033-2909.103.3.411 · Cited by 41,941
(1980) · Medical Entomology and Zoology · Cited by 25,810
Consumer Socialization of Children: A Retrospective Look At Twenty‐Five Years of Research
John, D. R. (1999) · Journal of Consumer Research · doi:10.1086/209559 · Cited by 1,947
(2003) · Federal Reserve Bulletin · Cited by 1,764
Consumer Socialization: A Theoretical and Empirical Analysis
Moschis, G. P., & Churchill, G. A. (1978) · Journal of Marketing Research · doi:10.1177/002224377801500409 · Cited by 1,081
Ward, S. (1974) · Journal of Consumer Research · doi:10.1086/208584 · Cited by 926
Pathways to life success: A conceptual model of financial well-being for young adults
Shim, S., Xiao, J. J., Barber, B. L., & Lyons, A. C. (2009) · Journal of Applied Developmental Psychology · doi:10.1016/j.appdev.2009.02.003 · Cited by 797
Self-citationAn online prepurchase intentions model
Shim, S., Eastlick, M. A., Lotz, S. L., & Warrington, P. (2001) · Journal of Retailing · doi:10.1016/s0022-4359(01)00051-3 · Cited by 797
Self-citationMoney Attitudes, Credit Card Use, and Compulsive Buying among American College Students
ROBERTS, J. A., & JONES, E. (2001) · Journal of Consumer Affairs · doi:10.1111/j.1745-6606.2001.tb00111.x · Cited by 668
Cited by
Financial Literacy and Emergency Saving
Babiarz, P., & Robb, C. A. (2014) · Journal of Family and Economic Issues · doi:10.1007/s10834-013-9369-9 · Cited by 259
Powell, R., Do, A., Gengatharen, D., Yong, J., & Gengatharen, R. (2023) · Accounting & Finance · doi:10.1111/acfi.13100 · Cited by 63
Tang, N., & Peter, P. (2015) · Financial Services Review · doi:10.61190/fsr.v24i2.3237 · Cited by 46
Mindfulness, Money Attitudes, and Credit
Pereira, M. C., & Coelho, F. (2019) · Journal of Consumer Affairs · doi:10.1111/joca.12197 · Cited by 45
A Consideration for Increasing Post-Release Financial Success
Mielitz, K. S., & Marcum, C. (2020) · American Journal of Criminal Justice · doi:10.1007/s12103-019-09515-2 · Cited by 6
Metadata
- Authors
- Xiao, J. J., Tang, C., Serido, J., & Shim, S.
- Venue
- Journal of Public Policy & Marketing
- Publisher
- SAGE Publications
- Published
- 2011-09
- Volume
- 30
- Issue
- 2
- Pages
- 239-245
- ISSN
- 0743-9156 (ISSN-L)
- 1547-7207
- OpenAlex
- W2066720952
- Cited by
- 342
- References
- 28
- FWCI
- 32.03
- Type
- journal article
- Language
- en
- Open access
- green
About these checks
Registry, retraction, Cites and statistics results are computed, not judged, with one exception: a printed reference that no index lists is read once by a model before it counts as a citation error. Claims are extracted by a model and kept only when their quote appears verbatim in the text; each cited source is then checked, with a model’s help, for whether it says what the claim relies on. Those verdicts can be wrong — read the claim’s quote and the cited source before relying on one.
Statistics and arithmetic are recomputed, not judged.
Confidence bands are shown only for fields calibrated on our annotated test set. None is calibrated yet, so no band is shown.
What counts as a claim ›How we measure confidence ›How we check this ›
Are you an author, or do you see a problem with this page? Request a review
How to cite
Cite CoChat for the checks on this page, and the paper for its own findings.
- This page
- CoChat. (2026). Citation check: Antecedents and Consequences of Risky Credit Behavior among College Students: Application and Extension of the Theory of Planned Behavior. https://app.cochat.ai/papers/10.1509/jppm.30.2.239
- The paper
- Xiao, J. J., Tang, C., Serido, J., & Shim, S. (2011). Antecedents and Consequences of Risky Credit Behavior among College Students: Application and Extension of the Theory of Planned Behavior. Journal of Public Policy & Marketing. https://doi.org/10.1509/jppm.30.2.239
Data sources
Bibliographic data: Semantic Scholar, OpenAlex, Crossref.
Contains information from the Semantic Scholar Academic Graph Datasets, made available under the ODC Attribution License (ODC-BY 1.0).
Semantic Scholar’s data is described in: Kinney, R., et al. (2023). The Semantic Scholar Open Data Platform. arXiv:2301.10140.
