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Consumer and societal credit card tensions and rights: A foundational model of paradoxes and resolutions

Marylouise Caldwell|Paul Conrad Henry
한국마케팅과학회 (Korean Scholars of Marketing Science)|2017.03|Journal of Global Scholars of Marketing Science(마케팅과학연구) (全球营销科学学报)|제27권 제2호|pp. 79-92|DOI http://dx.doi.org/10.1080/21639159.2017.1283796

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참고문헌

키워드

rightsparadoxes权利Societal credit cardtensionsresolutions社会信用卡对立矛 盾决议
주제분류경영학

초록

This study explores the theoretical foundations for consumer rights by drawing on broader human rights theories and consumer marketing literature. The study examines credit card debt through this theoretical lens and develops a model of consumer rights. The model is developed through a synthesis of rights literature and document analysis of newspaper articles about credit cards and debt. The study identifi es two primary tensions. The fi rst is a call for individual responsibility versus a call for protection of consumer rights. The second is the perception that credit cards either facilitate or inhibit quality of life and self-fulfi lment. The position in this tension-ridden, arguably paradoxical space depends on beliefs and perceptions about human frailty, institutional precariousness, confl ict, and locus of sympathy. This rights model can be used to understand the conditions where the pressure for consumer rights is either amplifi ed or inhibited.

Abstract

This study explores the theoretical foundations for consumer rights by drawing on broader human rights theories and consumer marketing literature. The study examines credit card debt through this theoretical lens and develops a model of consumer rights. The model is developed through a synthesis of rights literature and document analysis of newspaper articles about credit cards and debt. The study identifi es two primary tensions. The fi rst is a call for individual responsibility versus a call for protection of consumer rights. The second is the perception that credit cards either facilitate or inhibit quality of life and self-fulfi lment. The position in this tension-ridden, arguably paradoxical space depends on beliefs and perceptions about human frailty, institutional precariousness, confl ict, and locus of sympathy. This rights model can be used to understand the conditions where the pressure for consumer rights is either amplifi ed or inhibited.

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