|
Panel (A): Missed payments |
| All credit |
–0.00 |
–0.01 |
0.14 *** |
0.41 *** |
| (0.01) |
(0.01) |
(0.01) |
(0.03) |
| All credit this is certainly non-payday |
–0.01 |
–0.01 |
0.31 *** |
| (0.01) |
(0.01) |
(0.01) |
(0.02) |
| Panel (B): standard balances |
| Default balance |
–0.04 |
–9.97 |
4.48 |
116.39 *** |
| (7.35) |
(11.65) |
(18.41) |
(30.04) |
| Delinquent stability |
–8.12 |
–10.85 |
29.82 * |
42.18 ** |
| (7.08) |
(8.39) |
(13.07) |
(14.71) |
| Non-payday standard stability as |
–0.03 |
–0.04 |
–0.04 ** |
0.07 *** |
| percent total balances |
(0.04) |
(0.06) |
(0.01) |
(0.02) |
| Non-payday balance that is delinquent |
–0.01 |
–0.03 |
0.02 * |
0.03 *** |
| percent total balances |
(0.01) |
(0.04) |
(0.01) |
(0.01) |
| Panel (C): Other results account status that is worst |
–0.01 |
–0.01 |
0.26 *** |
1.11 *** |
| (0.06) |
(0.07) |
(0.03) |
(0.06) |
| Worsening credit |
0.03 |
–0.04 |
0.08 |
0.42 *** |
| (0.08) |
(0.14) |
(0.25) |
(0.10) |
| Exceed overdraft limit |
–0.05 |
–0.06 |
0.12 *** |
0.13 *** |
| (0.06) |
(0.07) |
(0.01) |
(0.01) |
| improvement in credit rating |
–25.67 *** |
| (0.98) |