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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 |
| cr002 | In the past 12 months, how often did you or anyone else in your household carry an unpaid balance on a credit card from Visa, MasterCard, American Express, or Discover? Please do not include debit cards. | how often carry balance on credit card |
| cr003 | 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.
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 |
| cr005 | In the past 12 months, how often did your household carry an unpaid balance 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. | how often carry balance on store card |
| cr006 | 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.
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 |
| cr007 | 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 for purchases from that retailer into installments (these are sometimes called "buy-now-pay-later," BNPL, or "point-of-sale" loans)? Companies offering such a service include Affirm, Afterpay, and Klarna. | made online purchase buy now pay later |
| cr007a | You indicated you have made an online or mobile purchase from a retailer using a service that allows you to pay in installments (also known as buy-now-pay-later). Which of the following have you utilized? Please select all that apply. | Short-term financing with no interest (these are typically less than six months and often have a pay-in-4 model) |
| cr008 | In the last 12 months, how many times have you made a purchase from a retailer using a service that allows you to pay in installments, also known as buy-now-pay-later (BNPL)? | number of times online purchase buy now pay later |
| cr009 | How much do you currently owe on all purchases from a retailer made with a service that allows you to pay in installments, also known as buy-now-pay-later (BNPL)? | paid interest online purchase buy now pay later |
| cr009_dk | OR | I don't know |
| cr010 | Which, if any, of the following have you experienced using a service that allows you to pay in installments using a buy-now-pay-later (BNPL) option? Please select all that apply. | I spent more than I would have if BNPL were not available |
| cr011 | If a buy-now-pay-later option were not available, I would: | experiences using buy now pay later |