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Charging Ahead
The Growth and Regulation of Payment Card Markets around the World


  • Date Published: October 2007
  • availability: Available
  • format: Paperback
  • isbn: 9780521711487

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About the Authors
  • This book was the first comprehensive treatment of credit cards in the global economy. The topic is timely not only because of the attention focused on cards as a contributor to the substantial rise in consumer borrowing, but also because of the role of cards in the recent retrenchment in the US bankruptcy system. Relying on data from the US, the UK, Canada, Australia, and Japan, Charging Ahead includes the first careful statistical analysis of the relation between the rise of credit card use and broader macroeconomic phenomena like consumer borrowing, savings, and bankruptcy. It also provides a broad narrative of how credit cards have come to be used so differently around the world. Finally, it sets out a detailed and coherent program for regulatory intervention grounded in both empirical analysis and the existing theoretical literature.

    • Was the first empirical analysis of the effect of credit cards on the rise of consumer bankruptcy in the U.S. Japan, and Commonwealth countries
    • Historical information and empirical data that explains and illustrates the disparate pattern of credit and debit card usage throughout the world
    • A comprehensive set of policy recommendations grounded not only in the empirical and historical discussion, but also in modern economic theory
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    Product details

    • Date Published: October 2007
    • format: Paperback
    • isbn: 9780521711487
    • length: 310 pages
    • dimensions: 229 x 152 x 18 mm
    • weight: 0.46kg
    • availability: Available
  • Table of Contents

    Part I. The Basics of Payment Cards:
    1. Paper or plastic? - payment system functionality
    2. The mechanics of payment card transactions
    Part II. Easy Money:
    3. In defense of credit cards
    4. The psychology of card payments - card spending and consumer debt
    5. Over the brink - credit card debt and bankruptcy
    Part III. The Puzzle of Payment Cards:
    6. Explaining the pattern of global card use
    7. The introduction of the payment card
    8. Revolving credit
    9. Point-of-sale debit
    10. Convergence and exceptionalism in the use of cards
    Part IV. Reforming Payment Systems:
    11. Indirect approaches: regulating interchange and encouraging surcharges
    12. Contract design
    13. Regulating information
    14. Product design: affinity and rewards programs and teaser rates
    Part V. Optimizing Consumer Credit Markets and Bankruptcy Policy:
    15. Causation, consumer credit and bankruptcy
    16. Regulating consumer credit markets
    17. Consumer bankruptcy reform

  • Author

    Ronald J. Mann, University of Texas School of Law
    Ronald A. Mann received his JD from the University of Texas where he graduated first in his class and was the managing editor of the Texas Law Review. After graduation, he clerked for judges on the United States Court of Appeals for the Ninth Circuit and the United States Supreme Court. After three years in private practice, he worked for the Justice Department for four years as an Assistant to the Solicitor General. Before joining the Texas faculty in 2003, he taught for six years at the University of Michigan and for three years at Washington University, St Louis.

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