Barboza, Gustavo, Paola Bongini, and Monica Rossolini. “Financial (il)literacy Vs. individual’s Behavior: Evidence on Credit Card Repayment Patterns”. Financial Services Review 29, no. 4 (December 30, 2021): 247–276. Accessed July 3, 2024. https://openjournals.libs.uga.edu/fsr/article/view/3462.