International students' ownership and use of credit cards

In a study of international students' ownership and use of credit cards, age and years of U.S. residency influenced the number of credit cards that international students' own. The older an international student is, the more credit cards s/he tends to have. And the longer an international student resides in this country, the more credit cards s/he will have. Students' country of origin influenced the outstanding balances international students owe on all their credit cards. Comparatively, students from higher income countries tend to carry higher outstanding balances on credit cards than students from lower income countries.