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Ausubel, L. The failure of competition in the credit card market. 1991 Am. Econ. Rev.. 81 50-81
Deaton, A. Saving and liquidity constraints. 1991 Econometrica. 59 1221-1248
Kuchler, T. Sticking to your plan: the role of present bias for credit card debt paydown. 2018 :
Laibson, D. Golden eggs and hyperbolic discounting. 1997 Q. J. Econ.. 112 443-477
Stango, V. ; Zinman, J. Exponential growth bias and household finance. 2009 J. Finance. 64 2807-2849
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