Do Consumers Choose the Right Credit Contracts

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Financial literacy and consumer credit portfolios (2013, background): “…in credit markets which seeks to understand the drivers of observed consumer behaviour and determinants of effective credit market participation (Agarwal et al, 2006; Campbell, 2006; Gabaix and Laibson, 2006; Tufano, 2009; Meier and Sprenger, 2010; Stango and Zinman, 2009, 2011;…”
Regulating Consumer Financial Products: Evidence from Credit Cards* (2015, unknown): “In a related paper, Agarwal et al. (2014) argue that ρ and ψ are “sufficient statistics” that can be used to estimate the consumer benefits from regulating hidden fees in a wide range of settings, and illustrate the applicability of this approach by assessing a hypothetical regulation of airline bag”
Chapter 21 - Household Finance: An Emerging Field∗ (2013, unknown): “Agarwal et al. (2007) study the choice between two different credit card contracts, one with a fixed annual fee but a lower interest rate, and the other with no fee but a higher rate.”
Do borrowers know their mortgage terms? (2008, unknown): “Agarwal et al. (2006) study credit card borrowers choosing between a contract with a fee and a low interest rate and a contract with no fee and a high interest rate.”
Learning in the Credit Card Market (2013, unknown): “34This disadvantage of older adults confirms, with a different task, the qualitative findings of Agarwal et al. (2009).”