It takes the average reader and 41 minutes to read Credit Supply to Personal Bankruptcy Filers by Song Han
Assuming a reading speed of 250 words per minute. Learn more
Are consumers who have filed for personal bankruptcy before excluded from the unsecured credit market? Using a unique data set of credit card mailings, the authors directly explore the supply of unsecured credit to consumers with the most conspicuous default risk those with a bankruptcy history. On average, over one-fifth of personalbankruptcy filers receive at least one offer in a given month, with the likelihood being even higher for those who filed for bankruptcy within the previous two years. However, offers to bankruptcy filers carry substantially less favorable terms than those to comparable consumers without a bankruptcy history, with higher interest rates, lower creditlimits, a greater likelihood of having an annual fee, and a smaller likelihood of having rewards or promotions. In addition, this analysis of credit terms typically disclosed only in the fine print suggests that offers to filers tend to include more "hidden" costs. Tables. This is a print on demand report.
Credit Supply to Personal Bankruptcy Filers by Song Han is 41 pages long, and a total of 10,291 words.
This makes it 14% the length of the average book. It also has 13% more words than the average book.
The average oral reading speed is 183 words per minute. This means it takes and 56 minutes to read Credit Supply to Personal Bankruptcy Filers aloud.
Credit Supply to Personal Bankruptcy Filers is suitable for students ages 8 and up.
Note that there may be other factors that effect this rating besides length that are not factored in on this page. This may include things like complex language or sensitive topics not suitable for students of certain ages.
When deciding what to show young students always use your best judgement and consult a professional.
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