Perceived controls of performing positive cash, credit, andsaving activities are associated with four risky behaviors: havingcredit card debts, being late in payments, not paying the balancein full, and maxing out the limit. If the desirable cash, credit,or saving actions are considered difficult, students are morelikely to act irresponsibly. In addition, if students perceived itis difficult to manage credit wisely, they are more likely to havethree or more credit cards.
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