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G3c Materialism and Use of Credit Cards: The Mediation Effects of the Theory of Planned Behavior Constructs
Key Words
materialism, credit cards, theory of planned behavior
Short Description
Materialism is commonly defined by three constitutive values: success, centrality, and happiness (Richins &Dawson, 1992; Tybout & Artz, 1994). Success element says that succeeding in life requires the ownership of material goods. Centrality element indicates that the possession of material goods is the central goal of a person's life. Happiness element implies that the acquisition of material goods can bring about an individual's well-being. In general, materialism is a good indicator of people's desires, decisions, well-being, and social behavior (Richins & Dawson, 1992). Consumers of view credit cards as a way of meeting their materialistic wants through spending, rather than using it as an instrument of borrowing for smoothing out temporary cashflow imbalances within their household finances. Many consumers think credit cards are facilitators for the aspirational, but otherwise unaffordable, lifestyles they wish to attain (Bernthal, Crockett, & Rose, 2005). Prior empirical work suggests that many consumers feel it is easier to use credit cards than spend existing savings. Consumers think that using their credit cards to pay for expenses is a more responsible choice than withdrawing money from their savings accounts (Sussman & O'Brien, 2016).