Self-control and credit-card use among college students

Phylis M. Mansfield, Mary Beth Pinto, Diane H. Parente

Research output: Contribution to journalArticlepeer-review

32 Scopus citations


This study assessed the relationship between self-control and credit-card use with a convenience sample of 165 traditional-age college students of whom 69 (42%) were women. Students' self-control was measured on Grasmick, et al.'s Self-control Scale, which has six subscales, one of which is Impulsivity. Comparisons were made between those students who paid their cards off each month, called convenience users, and those who carried a monthly balance forward on scores on total self-control and impulsivity, and number of credit cards possessed. A significant difference in self-control scores was found between these two groups and also for mean impulsivity scores. Significantly fewer credit cards were possessed by students who paid their cards off each month than by those who carried a monthly balance.

Original languageEnglish (US)
Pages (from-to)1067-1078
Number of pages12
JournalPsychological reports
Issue number3 II
StatePublished - Jun 2003

All Science Journal Classification (ASJC) codes

  • Psychology(all)


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