no 2006 19 credit cards facts and theories carol c bertaut michael halisassos center for financial studies the is a nonprofit research organization supported by an association of more than 120 banks insurance companies industrial corporations public institutions established in 1968 closely affiliated with university frankfurt it provides strong link between community academia cfs working paper series presents result scientific on selected topics field money banking finance authors were either participants s fellow program or members one projects if you would like to know about please let us your interest prof dr jan pieter krahnen volker wieland ph d prepared volume economics consumer edited giuseppe bertola richard disney charles grant mit press was written while haliassos visiting consumption chair at european institute florence italy thank nick souleles conference microfoundations
