ABSTRACT This paper constructs a multiple regression model to evaluate the overdue risk of credit card holders. The results can identify the factors influencing the credit card holders’ overdue risk behavior in order to provide card issuing banks a decision-making reference in the investigation of credit card holders’ related characteristics and the relationship qual-ity between the credit card holders and the bank. In addition, the paper can also provide credit card issuing banks the practice reference of the application on risk management decision.
Cite this paper
nullC. Lee, T. Lin and Y. Chen, "An Empirical Analysis of Credit Card Customers’ Overdue Risks for Medium- and Small-Sized Commercial Bank in Taiwan," Journal of Service Science and Management, Vol. 4 No. 2, 2011, pp. 234-241. doi: 10.4236/jssm.2011.42028.
 K. J. White, “Consumer Choice and Use of Bank Credit Cards: A Model and Cross-Section Results,” Journal of Consumer Research, Vol. 2, No. 1, 1975, pp. 10-18.
 M. Howard, “Shifting Risk and Fixing Blame: The Vexing Problem of Credit Card Obligations in Bankruptcy,” The American Bankruptcy Law Journal, Vol. 75, No. 1, 2001, pp. 63-143.
 M. Griffiths, “Consumer Debt in Australia: Why Banks Will Not Turn Their Backs on Profit,” International Journal of Consumer Studies, Vol. 31, No. 3, 2007, pp. 230-236. doi:10.1111/j.1470-6431.2006.00524.x
 L. L. Gan, R. C. Maysami and H. C. Koh, “Singapore Credit Cardholders: Ownership, Usage Patterns, and Perceptions,” Journal of Services Marketing, Vol. 22, No. 4, 2008, pp. 267-279. doi:10.1108/08876040810881678
 P. Lopes, “Credit Card Debt and Default over the Life Cycle,” Journal of Money, Credit and Banking, Vol. 40, No. 4, 2008, pp. 769-790.
 A. Kara, E. Kaynak and O. Kucukemiroglu, “An Empirical Investigation of US Credit Card Users: Card Choice and Usage Behavior,” International Business Review, Vol. 5, No. 2, 1996, pp. 209-230.
 C. Sprenger and J. Stavins, “Credit Card Debt and Payment Use,” Working Paper, Federal Reserve Bank of Boston, 2008.
 E. C. Lawrence and G. Elliehausen, “A Comparative Analysis of Payday Loan Customers,” Contemporary Economic Policy, Vol. 26, No. 2, 2008, pp. 299-316.
 R. H. Scott, “Credit Card Use and Abuse: A Veblenian Analysis,” Journal of Economic Issues, Vol. 41, No. 2, 2007, pp. 567-574.
 C. R. Hayhoe, L. Leach and P. R. Turner, “Discriminating the Number of Credit Cards Held by College Students Using Credit and Money Attitudes,” Journal of Economic Psychology, Vol. 20, No. 6, 1999, pp. 643-656. doi:10.1016/S0167-4870(99)00028-8
 T. Grieb, C. Hegji and S. T. Jones, “Macroeconomic Factors, Consumer Behavior, and Bankcard Default Rates,” Journal of Economics and Finance, Vol. 25, No. 3, 2001, pp. 316-327. doi:10.1007/BF02745892
 J. Stavins, “Credit Card Borrowing, Delinquency, and Personal Bankruptcy,” New England Economic Review, July/August, 2000, pp. 15-30.
 G. Kou, Y. Peng, Y. Shi, M. Wise and W. Xu, “Discovering Credit Cardholders’ Behavior by Multiple Criteria Linear Programming,” Annals of Operations Research, Vol. 135, No. 1, 2005, pp. 261-274.
 J. C. Courtless, “Trends in Consumer Credit,” Family Economics Review, Vol. 6, No. 3, 1993, pp. 8-17.
 Y. W. Chien and S. A. Devaney, “The Effects of Credit Attitude and Socioeconomic Factors on Credit Card and Installment Debt,” The Journal of Consumer Affairs, Vol. 35, No. 1, 2001, pp. 162-179.
 D. B. Gross and N. S. Souleles, “An Empirical Analysis of Personal Bankruptcy and Delinquency,” Review of Financial Studies, Vol. 15, No. 1, 2002, pp. 319-347. doi:10.1093/rfs/15.1.319
 S. Dey and G. E. Mumy, “Determinants of Borrowing Limits on Credit Cards,” Working Paper, November 22, 2009.