{"id":"https://openalex.org/W7160460269","doi":null,"title":"Minimum Payments Alter Debt Repayment Strategies Across Multiple Cards","display_name":"Minimum Payments Alter Debt Repayment Strategies Across Multiple Cards","publication_year":2021,"publication_date":"2021-11-12","ids":{"openalex":"https://openalex.org/W7160460269"},"language":"en","primary_location":{"id":"pmh:oai:share.osf.io:0367e07f-eac5-4427-9384-8f8a5bc9cef7","doi":null,"is_oa":false,"landing_page_url":"https://osf.io/xuf59","pdf_url":null,"source":{"id":"https://openalex.org/S4306401127","display_name":"OSF Preprints (OSF Preprints)","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I2799848540","host_organization_name":"Center for Open Science","host_organization_lineage":["https://openalex.org/I2799848540"],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":null,"raw_type":"Project"},"volume":null,"type":"preprint","is_traditional":true,"indexed_in":[],"open_access":{"is_oa":false,"oa_status":"closed","oa_url":null,"any_repository_has_fulltext":false},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5027438856","display_name":"Abigail B. Sussman","orcid":"https://orcid.org/0000-0002-5333-558X","observed_orcids":["https://orcid.org/0000-0002-5333-558X"]},"institutions":[],"countries":[],"is_corresponding":false,"raw_author_name":"Abigail Sussman","raw_affiliation_strings":[],"raw_orcid":null,"affiliations":[]},{"author_position":"last","author":{"id":"https://openalex.org/A5091159081","display_name":"Samuel D. Hirshman","orcid":"https://orcid.org/0000-0002-0330-9375","observed_orcids":["https://orcid.org/0000-0002-0330-9375"]},"institutions":[],"countries":[],"is_corresponding":false,"raw_author_name":"Samuel Hirshman","raw_affiliation_strings":[],"raw_orcid":null,"affiliations":[]}],"institutions":[],"countries_distinct_count":0,"institutions_distinct_count":0,"corresponding_author_ids":[],"corresponding_institution_ids":[],"apc_list":null,"apc_paid":null,"fwci":null,"has_fulltext":false,"cited_by_count":0,"citation_normalized_percentile":null,"cited_by_percentile_year":null,"biblio":{"volume":null,"issue":null,"first_page":null,"last_page":null},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T10517","display_name":"Financial Literacy, Pension, Retirement Analysis","score":0.9541000127792358,"subfield":{"id":"https://openalex.org/subfields/2003","display_name":"Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T10517","display_name":"Financial Literacy, Pension, Retirement Analysis","score":0.9541000127792358,"subfield":{"id":"https://openalex.org/subfields/2003","display_name":"Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T10315","display_name":"Decision-Making and Behavioral Economics","score":0.03200000151991844,"subfield":{"id":"https://openalex.org/subfields/1800","display_name":"General Decision Sciences"},"field":{"id":"https://openalex.org/fields/18","display_name":"Decision Sciences"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T13744","display_name":"Financial Literacy and Behavior","score":0.0019000000320374966,"subfield":{"id":"https://openalex.org/subfields/1402","display_name":"Accounting"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/minimum-payments","display_name":"minimum payments","score":0.9779999852180481},{"id":"https://openalex.org/keywords/consumer-credit","display_name":"consumer credit","score":0.5590000152587891},{"id":"https://openalex.org/keywords/household-debt","display_name":"household debt","score":0.46000000834465027}],"concepts":[{"id":"https://openalex.org/C145097563","wikidata":"https://www.wikidata.org/wiki/Q1148747","display_name":"Payment","level":2,"score":0.553600013256073},{"id":"https://openalex.org/C120527767","wikidata":"https://www.wikidata.org/wiki/Q3196867","display_name":"Debt","level":2,"score":0.5103999972343445},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.45339998602867126},{"id":"https://openalex.org/C162324750","wikidata":"https://www.wikidata.org/wiki/Q8134","display_name":"Economics","level":0,"score":0.4020000100135803},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.3596000075340271},{"id":"https://openalex.org/C2983355114","wikidata":"https://www.wikidata.org/wiki/Q161380","display_name":"Credit card","level":3,"score":0.35440000891685486},{"id":"https://openalex.org/C2778114724","wikidata":"https://www.wikidata.org/wiki/Q1365583","display_name":"Bad debt","level":3,"score":0.3368000090122223},{"id":"https://openalex.org/C162118730","wikidata":"https://www.wikidata.org/wiki/Q1128453","display_name":"Actuarial science","level":1,"score":0.3158999979496002},{"id":"https://openalex.org/C556758197","wikidata":"https://www.wikidata.org/wiki/Q580018","display_name":"Monetary economics","level":1,"score":0.31540000438690186},{"id":"https://openalex.org/C61797465","wikidata":"https://www.wikidata.org/wiki/Q1188986","display_name":"Term (time)","level":2,"score":0.2680000066757202},{"id":"https://openalex.org/C18762648","wikidata":"https://www.wikidata.org/wiki/Q42213","display_name":"Work (physics)","level":2,"score":0.2639999985694885}],"mesh":[],"locations_count":1,"locations":[{"id":"pmh:oai:share.osf.io:0367e07f-eac5-4427-9384-8f8a5bc9cef7","doi":null,"is_oa":false,"landing_page_url":"https://osf.io/xuf59","pdf_url":null,"source":{"id":"https://openalex.org/S4306401127","display_name":"OSF Preprints (OSF Preprints)","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I2799848540","host_organization_name":"Center for Open Science","host_organization_lineage":["https://openalex.org/I2799848540"],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":null,"raw_type":"Project"}],"best_oa_location":null,"sustainable_development_goals":[],"study_designs":[],"awards":[],"funders":[],"has_content":{"pdf":false,"grobid_xml":false},"content_urls":null,"referenced_works_count":30,"referenced_works":["https://openalex.org/W348963960","https://openalex.org/W1700830565","https://openalex.org/W1875511694","https://openalex.org/W1908991493","https://openalex.org/W1973979681","https://openalex.org/W1978096700","https://openalex.org/W1989168730","https://openalex.org/W2009508194","https://openalex.org/W2010143351","https://openalex.org/W2021954938","https://openalex.org/W2063841322","https://openalex.org/W2081717017","https://openalex.org/W2111699562","https://openalex.org/W2112362888","https://openalex.org/W2120868938","https://openalex.org/W2126169472","https://openalex.org/W2139420917","https://openalex.org/W2171300730","https://openalex.org/W2508410845","https://openalex.org/W2736629042","https://openalex.org/W2767423872","https://openalex.org/W2788707475","https://openalex.org/W2995457497","https://openalex.org/W3121558180","https://openalex.org/W3121687806","https://openalex.org/W3122409402","https://openalex.org/W3122421168","https://openalex.org/W3122903754","https://openalex.org/W3187590924","https://openalex.org/W4379160711"],"related_works":["https://openalex.org/W7020725531","https://openalex.org/W7008838245","https://openalex.org/W7112363232","https://openalex.org/W3216169622","https://openalex.org/W3006759468","https://openalex.org/W1988114960","https://openalex.org/W7160590969","https://openalex.org/W2438154165","https://openalex.org/W2588323718","https://openalex.org/W2410715663"],"abstract_inverted_index":null,"counts_by_year":[],"updated_date":"2026-11-04T10:54:05.112534","created_date":"2026-05-07T00:00:00"}