Changes in the Credit Repayment Performance of Low Income Consumers: An Exploratory Study

This paper examined the credit behavior during the second year of a two‐year study of bank credit card use by a group of low income consumers who had had a consumer education course. It reports findings about factors affecting changes in repayment practices over the two‐year period. Different variables were found to affect repayment behavior at different points in time with elements from traditional credit scoring schemes becoming important in the second year of study.