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Prepaid
| Variable | Question text | Label |
|---|---|---|
| PD001 | First, we want to ask you a few questions related to your actual experience with reloadable prepaid cards.
A reloadable prepaid card works like a bank or credit union debit card but is not attached to an actual checking account. The card can be used to make purchases at merchants or online and to withdraw cash at ATMs. Similar to a checking account, funds can be deposited into, or “loaded” on, the card with cash at retail partners or employer direct deposit. The balance can be spent down by making purchases, and additional funds can be “reloaded” allowing the card to be used again and again. These cards generally do not allow users to “overdraw” when using the card. Instead transactions that would create a negative balance are declined. To be clear: This is not a gift card, a rebate card, or a payroll card provided by your employer. Have you ever purchased a reloadable prepaid card that works like a bank or credit union debit card, but is not attached to an actual checking account for yourself, or, helped someone else purchase this type of card? Again, to be clear: This is not a gift card, a rebate card, or a payroll card provided by your employer. | EVER PURCHASED PREPAID CARD |
| PD002 | Thinking about the most recent reloadable prepaid card you purchased or helped someone else purchase, how long ago was this card purchased? | HOW LONG AGO PURCHASED MOST RECENT PREPAID CARD |
| PD003 | Have you ever compared the terms and fees of reloadable prepaid cards offered by different companies? | EVER COMPARED TERMS OF PREPAID CARDS |
| PD004 | Did you compare the terms and fees of the reloadable prepaid card to others in a store, online, or somewhere else? Please select all that apply. | Store |
| PD004_other | WHERE COMPARED TERMS OF PREPAID CARDS OTHER | |
| PD005 | How difficult did you find comparing the terms and fees of actual reloadable prepaid cards offered by different institutions? | HOW DIFFICULT COMPARING TERMS OF PREPAID CARDS |
| PD006 | If you were planning to purchase a reloadable prepaid card which do you think is likely to cost you less over the course of a year? ~PD006_tabs | WHICH PREPAID CARD COST LESS OVER COURSE OF YEAR |
| PD006_tabs | TABS SWITCHING PD006 | |
| PD007_A | Imagine being able to get cash at any ATM is the most important feature to you. How much would you pay in fees directly to the prepaid card company if you withdrew cash from an ATM not in your ATM network? ~PD007_tabs | HOW MUCH PAY IN FEES TO PREPAID COMPANY WHEN WITHDRAW CASH FROM ATM A |
| PD007_B | HOW MUCH PAY IN FEES TO PREPAID COMPANY WHEN WITHDRAW CASH FROM ATM B | |
| PD007_tabs | TABS SWITCHING PD007 | |
| PD008_A | Imagine your employer offers direct deposit. How much would you pay in fees to reload your prepaid card via direct deposit? ~PD008_tabs | HOW MUCH PAY IN FEES TO PREPAID COMPANY WHEN DIRECT DEPOSIT A |
| PD008_B | HOW MUCH PAY IN FEES TO PREPAID COMPANY WHEN DIRECT DEPOSIT B | |
| PD008_tabs | TABS SWITCHING PD008 | |
| PD009 | Imagine you do not expect to use direct deposit but plan to always have at least $800 loaded on your card. Which card would charge you a fee each month to have the account? ~PD009_tabs | HOW MUCH PAY IN FEES TO PREPAID COMPANY WHEN 800 IN ACCOUNT |
| PD009_tabs | TABS SWITCHING PD009 | |
| PD010 | Imagine you expect to use your card very infrequently, once every two months. Which card would charge you a fee for infrequent use? ~PD010_tabs | HOW MUCH PAY IN FEES TO PREPAID COMPANY FOR INFREQUENT USE |
| PD010_tabs | TABS SWITCHING PD010 | |
| PD011 | Imagine you want to be able to frequently check your card balance. Which card would cost you less in fees to do so by calling in to an automated system? ~PD011_tabs | WHICH PREPAID CARD LESS IN FEES BY CALLING SYSTEM FOR BALANCE |
| PD011_tabs | TABS SWITCHING PD011 | |
| PD012 | Imagine paying bills online is the most important feature to you. Which card would cost you less in fees to do so? ~PD012_tabs | WHICH PREPAID CARD LESS IN FEES FOR ONLINE BILLS |
| PD012_tabs | TABS SWITCHING PD012 | |
| PD013 | Next we will ask you a couple of questions about your experience with the questions you just answered.
How easy or difficult did you find comparing the terms and fees of these reloadable prepaid cards? | HOW EASY COMPARING TERM PREPAID CARDS |
| PD014 | How confident are you in the accuracy of your answers to the questions comparing these reloadable prepaid cards? | HOW CONFIDENT ACCURACY OF ANSWERS PREPAID |
| PD015_A | Imagine you expect to authorize some purchases by using your PIN and some by signing your name. How much would you pay in total fees if you made one purchase with your PIN and one purchase with your signature? ~PD015_tabs | HOW MUCH PAY IN FEES USING PIN PREPAID A |
| PD015_B | HOW MUCH PAY IN FEES USING PIN PREPAID B | |
| PD015_tabs | TABS SWITCHING PD015 | |
| PD016 | Imagine being able to get cash at any ATM is the most important feature to you. Which card would cost you less in fees paid directly to the prepaid card company to withdraw cash from an ATM not in your bank’s ATM network? ~PD016_tabs | WHICH PREPAID CARD PAY LESS IN FEES WHEN GETTING CASH AT ATM |
| PD016_tabs | TABS SWITCHING PD016 | |
| PD017 | Imagine you needed to replace a lost prepaid card. Which card would cost you less in fees to do that? ~PD017_tabs | WHICH PREPAID CARD PAY LESS IN FEES WHEN REPLACING CARD |
| PD017_tabs | TABS SWITCHING PD017 | |
| PD018 | Imagine you expect to load this card with several cash deposits each week. Which card would make those funds available sooner? ~PD018_tabs | WHICH PREPAID CARD MAKE DEPOSITS AVAILABLE SOONER |
| PD018_tabs | TABS SWITCHING PD018 | |
| PD019 | Next we will ask you a couple of questions about your experience with the questions you just answered.
How difficult did you find comparing the terms and fees of these reloadable prepaid cards? | HOW DIFFICULT COMPARING PREPAID CARDS |
| PD020 | How confident are you in the accuracy of your answers to the questions comparing these reloadable prepaid cards? | HOW CONFIDENT ABOUT ANSWERS PREPAID CARDS |
| PD021 | How important is it to you that a prepaid card lists all common fees on a summary disclosure document? This includes fees like out of network ATM withdrawal fees and monthly fees but does not include less common fees like in-network ATM fees or stop payment fees. | HOW IMPORTANT PREPAID CARD LISTS ALL FEES |
| PD021_randomizer | TEST QUESTION: Select order of answer categories for Not at all to Extremely important question series. | randomizer of order of answer categories P021-P026 |
| PD022 | How important is it to you that a prepaid card lists all possible fees on a summary disclosure document? This includes all common fees like out of network ATM withdrawal fees as well as less common fees like in-network ATM fees or stop payment fees. | HOW IMPORTANT PREPAID CARD LISTS ALL POSSIBLE FEES ON DISCLOSURE DOCUMENT |
| PD023 | How important is it to you that a prepaid card lists ways to avoid fees? For example information on how to waive a monthly fee or customer service fees. | HOW IMPORTANT PREPAID CARD LISTS WAYS TO AVOID FEES |
| PD024 | How important is it to you that a prepaid card lists information on deposit hold times? That is information on when funds you have loaded will be available for you to use. | HOW IMPORTANT PREPAID CARD LISTS INFORMATION ON DEPOSIT HOLD TIMES |
| PD025 | How important is it to you that a prepaid card provide a summary disclosure document listing terms and fees before purchasing a prepaid card? | HOW IMPORTANT PREPAID CARD ACCESS SUMMARY DISCLOSURE DOCUMENT TIMES |
| PD026 | How important is it to you that different prepaid cards offered by different banks/companies present the same information in the same way to help customers comparison shop? | HOW IMPORTANT PREPAID CARD UNIFORMITY FOR SUMMARY DISCLOSURE DOCUMENT |
| PD027 | If you had to choose, is it more important for a summary disclosure to be brief, only highlighting 8 – 10 common prepaid card fees while excluding some less common prepaid fees and information, or to be complete, by listing all possible prepaid card fees and information? Common prepaid card fees might include monthly fees or out-of-network ATM fees. Less common fees and information might include in-network ATM fees, paper statement fees, deposit hold times, or transaction order processing. | MORE IMPORTANT SUMMARY DISCLOSURE TO BE BRIEF OR COMPLETE PREPAID |
| PDrandSectionII | ONE QUARTER OF RESPONDENTS WILL BE SHOWN DISCLOSURE DOCUMENTS Pew A and Pew B, ONE QUARTER Pew B and Pew A, ONE QUARTER Pew A and Industry B, AND ONE QUARTER Industry B and Pew A.
{FOR TESTING ONLY} | RANDOM SELECTION PREPAID SECTION II |
| PDrandSectionIII | ONE HALF OF RESPONDENTS WILL BE SHOWN DISCLOSURE DOCUMENTS Pew A and Industry A, ONE HALF Industry A and Pew A
{FOR TESTING ONLY} | RANDOM SELECTION PREPAID SECTION III |
| PDsectionIVorder | ORDER OF PREPAID SECTION IV |