NATIONAL BUREAU OF ECONOMIC RESEARCH
NATIONAL BUREAU OF ECONOMIC RESEARCH

Do Credit Card Companies Screen for Behavioral Biases?

Hong Ru, Antoinette Schoar

NBER Working Paper No. 22360
Issued in June 2016, Revised in July 2016

---- Acknowledgements ----

We thank Marina Manova at ideas42 for outstanding research assistance and the Sloan Foundation and ideas42 for financial support. We are grateful to Vikram Jambulapati and Jialan Wang who provided us with the analysis of the Mintel data, including credit scores. We thank Sumit Agarwal, Justine Hastings, Paul Heidhues, Ben Keys, David Laibson, and Tarun Ramadorai for very thoughtful comments. We also thank seminar participants at the AFA 2016 Annual Meeting, Goethe University Frankfurt, Humboldt University, INSEE, University of Zurich, NUS, and the MIT finance brownbag lunch for very helpful feedback. Of course, all mistakes are our own. The views expressed herein are those of the authors and do not necessarily reflect the views of the National Bureau of Economic Research.

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