Study store card as credit card debt

My database has information a lot of information about credit card, especially credit card debt and type of credit card. The first type that I want to tell is “All-purpose cards”, such as Diner’s Club, American Express, MasterCard, and Visa. The second type, called “store cards,” for use in supermarket or department store. Store card issue by department stores in their own cards and for makes credit sell for their customer. It does not include the transaction, such as gasoline companies, medical debt or utilities because all of these are categorized in special transaction. However, store card debt is like credit card debt because you don’t use cash for purchase things, but sometimes is unlike credit card because department store expects you to pay full amount (Not have any Monthly payment) and store card don’t have any interest charge. In my research, it suggest that the “store” debt usually owed by labor. But in our sample is too crude. It did not separately code the various types of charges, however, we cannot state with certainty the relative proportion of store credit card debt versus general open-account debt.

This is only abstract. My paper is currently reviewed as working paper. Thank you for interested in my article.