American Economic Journal: Economic Policy · 2025 · Benedict Guttman‐Kenney、Paul Adams、Stefan Hunt、David Laibson、Neil Stewart、Jesse Leary
中文摘要
我们在一项信用卡实地实验中检验了一种助推措施。该措施对持卡人的自动还款注册选项进行了模糊处理，该选项可让持卡人每月自动精确支付信用卡最低还款额。六个月后，该助推措施使仅精确支付最低还款额的持卡人比例下降了23%。然而，该措施并未显著减少信用卡债务。受助推的持卡人通常选择的自动还款金额仅略高于最低还款额。该助推降低了自动还款注册率，进而增加了逾期还款。该助推还减少了已注册自动还款的持卡人的手动还款。持卡人经常缺乏流动现金最能解释我们的结果。(JEL C93, D12, D91, G21, G51)
Abstract
We test a nudge in a field experiment on credit cards. The nudge shrouds the autopay enrollment option for cardholders to automatically pay exactly the credit card minimum payment each month. After six months, the nudge decreases the fraction of cardholders who only pay exactly the minimum by 23 percent. However, the nudge does not significantly reduce credit card debt. Nudged cardholders often choose autopay amounts that are only slightly higher than the minimum payment. The nudge reduces autopay enrollment, which increases missed payments. The nudge reduces manual payments by autopay enrollees. Cardholders frequently lacking liquid cash best explains our results. (JEL C93, D12, D91, G21, G51)