{"id":"W6909272844","doi":"10.34989/swp-2024-26","title":"Credit Card Minimum Payment Restrictions","year":2024,"lang":"en","type":"article","venue":"Econstor (Econstor)","topic":"Financial Literacy, Pension, Retirement Analysis","field":"Business, Management and Accounting","cited_by":0,"is_retracted":false,"has_abstract":true,"ca_institutions":"Bank of Canada","funders":"","keywords":"Credit card; Payment; Credit card interest; Debt; Government (linguistics); Payment card; Rest (music); Credit history; Credit reference; ATM card","routes":{"ca_aff":true,"ca_fund":false,"ca_venue":false,"about_ca":true,"invisible_to_affiliation_only":false},"retraction":null,"screen":null,"direct_labels":[],"prediction":{"model_version":"metacan-v3-hybrid-931329e0061c","candidate_categories":[],"consensus_categories":[],"category_scores_codex":[0.003785053,0.0008522901,0.001546472,0.001711967,0.002262859,0.004594252,0.003804071,0.003370163,0.01698838],"category_scores_gemma":[0.01737838,0.0006184499,0.001225145,0.003479302,0.002535196,0.001805667,0.001387166,0.004802817,0.001189563],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.01498564,"about_ca_system_score_gemma":0.0147548,"about_ca_topic_candidate":true,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.7087454,"about_ca_topic_score_gemma":0.644681,"domain_scores_codex":[0.995708,0.000885608,0.0001293114,0.0005511455,0.0006245603,0.002101359],"domain_scores_gemma":[0.9803611,0.008887059,0.005815225,0.001179666,0.001998374,0.001758602],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"theoretical_or_conceptual","study_design_gemma":"theoretical_or_conceptual","study_design_scores_codex":[0.001296762,0.002993762,0.1498584,0.0009085117,0.0004432329,0.001937976,0.001049666,0.2290107,0.002027264,0.4497737,0.1067871,0.05391293],"study_design_scores_gemma":[0.001648893,0.001187496,0.2805851,0.000830399,0.0008797153,0.0007176765,0.005208583,0.4431953,0.003479139,0.06275784,0.1989496,0.0005603643],"study_design_candidate":"theoretical_or_conceptual","study_design_consensus":"theoretical_or_conceptual","genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.8046483,0.005627564,0.01623116,0.01206726,0.0004551563,0.0007319934,0.02641683,0.0005583828,0.1332635],"genre_scores_gemma":[0.9719871,0.001024254,0.002276842,0.0005493017,0.0001179789,0.0001350101,0.003668564,0.00003960951,0.02020149],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.7087454,"threshold_uncertainty_score":0.5859396,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.01445982278507831,"score_gpt":0.2299280366920755,"score_spread":0.2154682139069972,"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."}}