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credit
| Variable | Question text | Label |
|---|---|---|
| cr001 | In the past 12 months, have you or anyone else in your household used a Visa, MasterCard, American Express, or Discover credit card? Please do not include debit cards. | used Visa, MasterCard, American Express, or Discover credit card |
| cr002a | In the past 12 months, how often did you or anyone else in your household pay less than the full amount you owe on a credit card from Visa, MasterCard, American Express, or Discover? Please do not include debit cards or cards with 0% interest. | how often carry balance on credit card |
| cr003a | Please estimate the amount your household currently owes from outstanding credit card balances carried over from previous months on all Visa, MasterCard, American Express, or Discover credit cards. If you aren't sure, your best guess will do. Please do not include debit cards or cards with 0% interest. For example, if you currently carry a $500 balance on one card, $1500 on another card and $2000 on a third card, your total balance would be $4000. | amount owed from outstanding balances credit card |
| cr004 | In the past 12 months, have you or anyone else in your household used a store credit card that can only be used at the store that issues it (for example, JCPenney or Target) or a related set of stores? Please do not include store gift cards. | used store card |
| cr005a | In the past 12 months, how often did your household pay less than the full amount you owe on one or more of your store credit cards? A store credit card is a credit card that is only good at the store that issues it (for example, JCPenney or Target). Please do not include store gift cards or cards with 0% interest. | how often carry balance on store card |
| cr006a | Please estimate the amount your household currently owes from outstanding credit card balances carried over from previous months on all store credit cards. A store credit card is a credit card that is only good at the store that issues it (for example, JCPenney or Target). If you aren't sure, your best guess will do. Please do not include store gift cards or cards with 0% interest. For example, if you currently carry a $500 balance on one card, $1500 on another card and $2000 on a third card, your total balance would be $4000. | amount owed from outstanding balances store card |
| cr007a | In the last 12 months, have you made an online or mobile purchase with a service that partners with an online or store retailer and allows you to break payments into four equal installments with no interest? These are sometimes called "buy-now-pay-later," BNPL, or "point-of-sale" loans.
Companies offering such a service include Affirm, Afterpay, Sezzle, PayPal Pay in 4, and Klarna. Please do not include plans used to finance purchases in more than four installments. | made online purchase buy now pay later |
| cr008a | In the last 12 months, how many times have you made a purchase using a buy-now-pay-later service? Please do not include plans used to finance purchases in more than four installments. | number of times online purchase buy now pay later |
| cr010a | Which, if any, of the following have you experienced in the last 12 months using a buy-now-pay-later (BNPL) service? (Please select all that apply.) | I spent more money or made a purchase I wouldn't have if BNPL were not available |
| cr011a | Thinking of your most recent buy-now, pay-later experience, if a BNPL option were not available, I would have: | experiences using buy now pay later |
| cr012 | In the past month, how many times have you made a purchase using a buy-now-pay-later service? Please do not include plans used to finance purchases in more than four installments. | how many times used buy-now-pay-later service |