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Credit Cardholder: Convenience User or Credit Revolver?

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Figure 1:  Percentage of credit card debts to total consumer debts  and percentage of nonperforming credit card debts to total non performing consumer debts in Malaysia (2000- 2008)
Figure 2: Credit utilisation (%) and percentage of credit financed purchases
Table 1.  Summary of sample characteristics and explanatory variables
Table 1. Continued
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