{"id":"W3156083275","doi":"10.1111/jmcb.13023","title":"Revolving versus Convenience Use of Credit Cards: Evidence from U.S. Credit Bureau Data","year":2023,"lang":"en","type":"article","venue":"Journal of money credit and banking","topic":"Financial Literacy, Pension, Retirement Analysis","field":"Business, Management and Accounting","cited_by":14,"is_retracted":false,"has_abstract":true,"ca_institutions":"","funders":"","keywords":"Credit card; Credit history; Credit card interest; Debt; Credit reference; Payment; Revolving door; Credit score; Quarter (Canadian coin); Business; Credit default swap index; Actuarial science; Economics; Credit enhancement; Finance; Credit risk","routes":{"ca_aff":false,"ca_fund":false,"ca_venue":false,"about_ca":true,"invisible_to_affiliation_only":true},"retraction":null,"screen":null,"direct_labels":[],"prediction":{"model_version":"metacan-v3-hybrid-931329e0061c","candidate_categories":[],"consensus_categories":[],"category_scores_codex":[0.01017696,0.0002097707,0.0003639528,0.003343287,0.0005294711,0.001973737,0.0009188377,0.0008376832,0.006475931],"category_scores_gemma":[0.06665346,0.000296892,0.0003826788,0.009342412,0.001001205,0.001157359,0.001236169,0.001329239,0.001239042],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.0006937003,"about_ca_system_score_gemma":0.000608371,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.04531106,"about_ca_topic_score_gemma":0.03822073,"domain_scores_codex":[0.9934828,0.003259799,0.0007826599,0.000742957,0.001367721,0.0003641],"domain_scores_gemma":[0.806527,0.08832961,0.07918061,0.00927104,0.01302624,0.003665498],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"observational","study_design_gemma":"observational","study_design_scores_codex":[0.0001376723,0.00007063126,0.9921311,0.00004022626,0.00007401789,0.00003963964,0.0004255524,0.0001481113,0.00002679726,0.0003618725,0.001816666,0.004727857],"study_design_scores_gemma":[0.00002330997,0.00005551305,0.9948072,0.0001037608,0.00005897027,0.00006554568,0.001480086,0.0009524766,0.0001309087,0.0002457761,0.002065282,0.00001112333],"study_design_candidate":"observational","study_design_consensus":"observational","genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.9857671,0.0009062497,0.0003582474,0.001057271,0.00002018436,0.0000404453,0.006691526,0.00001520354,0.005143623],"genre_scores_gemma":[0.9935888,0.0006672334,0.0001860702,0.0002079858,0.00002696601,0.00002234222,0.004761145,0.00000794174,0.0005315044],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.04531106,"threshold_uncertainty_score":0.09009463,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.1322498426882874,"score_gpt":0.3056495240219533,"score_spread":0.1733996813336659,"validation_status":"score_only:v0-immature-baseline","note":"Baseline scores from an immature model (maturity gate not passed). Scores rank; they never assert a category."}}