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Working Paper
How many cards do you use?
This paper investigates how buyers allocate their spending among debit, credit, and prepaid cards. Using the 2012 Diary of Consumer Payment Choice, I show that consumers tend to concentrate the majority of their transactions and a large value of their transactions on a single type of card. The paper also investigates whether buyers concentrate their spending on one of the card networks, a behavior known as "single-homing."