survid synid weight month day year region samptype qualify usertype "Q.S1 Are you at least 18 years old, or under 18?" "Q.S2 For personal calls, do you only use a cell phone, or do you also have regular land-line telephone service at your home on which I could have reached you?" Q.D1a What state do you live in? (DO NOT READ LIST) "Q.1 Do you or your spouse or partner have any general purpose credit cards such as a Visa, MasterCard, Discover, or American Express card?" Q.2 At some time in the past did you have any general purpose credit cards? Q.3 Which of the following best describes what happened to the credit cards you used to have? Q.4 How many general purpose credit cards do you currently have? "Q.5 On average, how many times a month do you use any of your general purpose credit cards?" Q.6 Do you currently have a balance on any of your general purpose credit cards that you carried over from the prior month? Q.7 Which of the following best describes the way you use your general purpose credit cards? Q.8 What is the approximate total balance you owe on all of your general purpose credit cards? Q.8a Which of the following best describes your usual payments? "Q.9 Thinking about the general purpose credit you use most often, how much did you pay in interest on that card in the last year?" "Q.10 And how much did you pay in fees, such as annual fees, late fees, overlimit fees, or other fees in the last year on that card?" Q.10a Was Numeric Response Provided? Q.10a What is the interest rate or APR you are charged on your outstanding balance on that card? Q.11 Have you noticed any changes in the information contained on your credit card bills in the past year? Q.12_1 What changes have you noticed? -- **Changes with respect to information regarding minimum payments** Q.12_2 What changes have you noticed? -- **Changes with respect to late fee warnings** Q.12_3 What changes have you noticed? -- **Changes with respect to total interest or fees paid during the year** Q.12_4 What changes have you noticed? -- **Other** Q.12_5 What changes have you noticed? -- **Don't know** Q.12_6 What changes have you noticed? -- **Refused** Q.13a Which of the following is true with respect to the credit card bills you receive? -- **The bill contains information about how long it will take to pay off your balance and how much interest you will pay if you pay only the minimum payment** Q.13b Which of the following is true with respect to the credit card bills you receive? -- **The bill contains information about how much you should pay if you want to pay off the balance in three years** Q.13c Which of the following is true with respect to the credit card bills you receive? -- **The bill reports the total amount of interest and fees you paid during the year** Q.14 What impact has this information had on your actions? -- **It has led you to pay more than the minimum balance each month** "Q.14 What impact has this information had on your actions? -- **Although you usually paid more than the minimum balance, it has led you to pay even more each month**" Q.14 What impact has this information had on your actions? -- **It has led you to limit your use of credit cards** Q.14 What impact has this information had on your actions? -- **It has led you to review your credit card bills more carefully** Q.14 What impact has this information had on your actions? -- **It has led you to pay less than you used to pay each month** Q.14 What impact has this information had on your actions? -- **It has had no effect on you** Q.14 What impact has this information had on your actions? -- **Don't know** Q.14 What impact has this information had on your actions? -- **Refused** Q.15a Which of the following is true with respect to the credit card bills you receive? -- **The bill contains a warning about the late fee that will be charged if you are late** Q.15b Which of the following is true with respect to the credit card bills you receive? -- **The due date for the bill is the same day of the month each month** Q.15c Which of the following is true with respect to the credit card bills you receive? -- **The time between when you receive the bill and when your payment is due is longer than it used to be** Q.16 What impact have these changes had on your actions? -- **You have been more careful to make sure your payment is received on time** Q.16 What impact have these changes had on your actions? -- **They have made it easier for you to avoid being late** Q.16 What impact have these changes had on your actions? -- **They have had no effect on you** Q.16 What impact have these changes had on your actions? -- **Don't know** Q.16 What impact have these changes had on your actions? -- **Refused** Q.17 Is your credit card bill easier to read and understand now than it used to be? Q.18 Are the terms for using the card clearer now than they used to be? Q.19 Do you trust credit card companies more or less than you did a year ago? "Q.20 How fairly or unfairly have your credit card companies treated you, in general, over the past year?" Q.21 What is your level of satisfaction or dissatisfaction with the interest rates and fees charged on credit cards? Q.22 And what is your level of satisfaction or dissatisfaction with the other terms of credit cards? Q.23 Have you taken advantage of a balance transfer offer in the past year? Q.24 During the past twelve months did you apply for a general purpose credit card? Q.25 For how many credit cards did you apply? Q.26 Which of the following best describes how you heard about the card(s) for which you applied? Q.27 Which of the following better describes how you decided to apply for this/these credit card(s)? "Q.28 How easy or difficult did you find it to be to compare credit cards to determine which has the lower costs, best benefit, or least risks for you?" Q.29a How important was the following factor in your decision to apply for the credit card? -- **The introductory interest rate on balance transfers and/or purchases** Q.29b How important was the following factor in your decision to apply for the credit card? -- **The permanent interest rate after the end of the introductory period** Q.29c How important was the following factor in your decision to apply for the credit card? -- **The bonus you could earn by applying or by making a few purchases** Q.29d How important was the following factor in your decision to apply for the credit card? -- **The rewards you could earn if you continue to use the card** Q.29e How important was the following factor in your decision to apply for the credit card? -- **The fees charged on the card** Q.29f How important was the following factor in your decision to apply for the credit card? -- **Other factors** Q.30 Which factor was the MOST important in your decision to apply for the credit card? "Q.31 One year ago, a new law took effect called the Credit CARD Act which strengthens consumer protection in the credit card market. How familiar would you say you are with this law?" Q.32 And how helpful do you think this law has been to you personally? Q.D1 Age Q.D2 What was the last grade of school you completed? Q.D3 Are you married? Q.D4 How many people live in your household at the present time? Q.D5 Are you of Hispanic or Latino origin? Q.D6 Race - White Q.D6 Race - Black or African American Q.D6 Race - American Indian or Alaska Native Q.D6 Race - Asian Q.D6 Race - Native Hawaiian or Other Pacific Islander Q.D6 Race - Other Q.D6 Race - Refused Q.D6a Race and Ethnicity Q.D7 How good do you believe your credit rating is? Q.D8 To make ends meet do you sometimes have to skip making your monthly payment or pay less than the minimum? Q.D9 How confident are you that you could come up with $2000 if an unexpected need arose within the next month? Q.D10 Total household income "Q.D10a Not including cell phones, on how many telephone lines (including this one) do you receive phone calls while at home?" Q.D11 Gender Condensed User Type "Q.14 What impact has this information had on your actions: pay more/use cards less (1,2, or 3)?" qualify=1 (FILTER) Knowledge of interest rate and APR 1 25139 0.71557 2 3 2011 Midwest Landline RDD Qualified Transactors Yes One More than Six Times You always pay your credit card balances in full on all your cards 0 Yes 0 Yes Not selected Not selected Selected Not selected Not selected Not selected Yes Yes No Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes No Selected Not selected Not selected Not selected Not selected No No The Same Very fairly Refused Extremely Dissatisfied No No Somewhat Familiar Refused 75 to 84 "Some college, not completed" No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No Refused Refused One Female Transactors Not selected Selected Know APR and have no balance 9 15515 1.18932 2 3 2011 Northeast Landline RDD Qualified Revolvers - large balance Yes Three Three or Four Times You sometimes pay your credit card balances in full and sometimes carry a balance from month to month $5000 or more The amount and percentage of the bill that you pay each month varies from month to month 3000 Don't know Yes 20 Yes Selected Not selected Not selected Not selected Not selected Not selected Yes Yes Yes Selected Selected Selected Selected Not selected Not selected Not selected Not selected Yes Yes No Selected Not selected Not selected Not selected Not selected Yes Yes Less Very unfairly Extremely Dissatisfied Extremely Dissatisfied No No Not at all Familiar 35 to 44 Completed college No 2 Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Hispanic Good No You could probably NOT come up with $2000 $40K to less than $50K One Male Revolvers Selected Selected Know both interest paid and APR 36 28941 1.05528 2 3 2011 Midwest Landline RDD Qualified Transactors Yes Don't know Once or Twice You always pay your credit card balances in full on all your cards 0 Don't know No Yes Don't know Don't know Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Don't know No No Don't know Don't know The Same Very fairly Extremely Satisfied Extremely Satisfied No No Not at all Familiar Refused Completed high school Yes 3 No Not selected Not selected Not selected Not selected Not selected Not selected Selected Other (non-Hispanic) Excellent No You are certain you could come up with the full $2000 Refused One Male Transactors Not selected Selected Don't know APR and have no balance 117 20602 1.69821 2 3 2011 South Landline RDD Unqualified No No 25 to 34 "Some high school, not completed" Yes 5 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Poor $20K to less than $25K One Female Not selected Not Selected 114 24816 0.96729 2 3 2011 Midwest Landline RDD Unqualified No No 55 to 59 Completed high school Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair $20K to less than $25K One Female Not selected Not Selected 48 20925 0.78934 2 3 2011 Northeast Landline RDD Qualified Transactors Yes Three Three or Four Times You always pay your credit card balances in full on all your cards 0 Yes 15 Yes Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Don't know Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Don't know Not selected Not selected Selected Not selected Not selected No Yes The Same Very fairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No No Somewhat Familiar Neither helpful nor unhelpful 60 to 64 Completed college No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 Refused One Male Transactors Not selected Selected Know APR and have no balance 133 24292 1.35556 2 3 2011 Northeast Landline RDD Unqualified No No Under 25 Completed high school No 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair $15K to less than $20K One Female Not selected Not Selected 139 21450 0.71738 2 3 2011 South Landline RDD Unqualified Yes One You do not use any of your general purpose credit cards No 50 to 54 "Some college, not completed" Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Poor $25K to less than $30K One Male Not selected Not Selected 190 25244 0.316 2 3 2011 South Landline RDD Unqualified No Yes Other 75 to 84 Post graduate work Yes 2 Refused Not selected Not selected Not selected Not selected Not selected Not selected Selected Other (non-Hispanic) Excellent $75K to less than $100K Two Male Not selected Not Selected 200 17953 1.0188 2 3 2011 Midwest Landline RDD Unqualified No No 25 to 34 Completed college No 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair $25K to less than $30K One Female Not selected Not Selected 197 27392 0.49236 2 3 2011 South Landline RDD Unqualified No No Under 25 "Some high school, not completed" No 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair $15K to less than $20K Three or more Male Not selected Not Selected 97 29680 0.31736 2 3 2011 Northeast Landline RDD Qualified Transactors Yes Four or More More than Six Times You always pay your credit card balances in full on all your cards Don't know Don't know No Don't know Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected Yes Yes The Same Very fairly Somewhat Dissatisfied Somewhat Satisfied No No Somewhat Familiar Somewhat helpful 85 or older Completed high school No 1 No Not selected Not selected Not selected Not selected Not selected Selected Not selected Other (non-Hispanic) Excellent No You are certain you could come up with the full $2000 Don't know Three or more Female Transactors Not selected Selected Don't know APR and have no balance 122 23429 0.90751 2 3 2011 Northeast Landline RDD Qualified Revolvers - small balance Yes One Once or Twice You sometimes pay your credit card balances in full and sometimes carry a balance from month to month Less than $500 The amount and percentage of the bill that you pay each month varies from month to month 14 0 Yes 14 Yes Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Yes Not selected Not selected Selected Not selected Not selected Yes Yes The Same Neither fairly nor unfairly Extremely Satisfied Neither Satisfied nor Dissatisfied No No Very Familiar Somewhat helpful 55 to 59 "Some college, not completed" No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You are certain you could come up with the full $2000 $100K or more One Female Revolvers Not selected Selected Know both interest paid and APR 153 28052 0.2665 2 3 2011 Northeast Landline RDD Qualified Transactors Yes Three More than Six Times You always pay your credit card balances in full on all your cards 0 Don't know No No No Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Don't know No Not selected Not selected Selected Not selected Not selected No No The Same Very fairly Extremely Satisfied Extremely Satisfied No No Not at all Familiar Refused "Some college, not completed" Yes 2 Refused Not selected Not selected Selected Not selected Not selected Not selected Not selected American Indian or Alaska Native (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more Three or more Female Transactors Not selected Selected Don't know APR and have no balance 113 17463 0.82478 2 3 2011 South Landline RDD Qualified Transactors Yes One Five or Six Times You always pay your credit card balances in full on all your cards 0 Yes 7.5 Yes Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected No No Less Very fairly Extremely Satisfied Somewhat Satisfied No No Somewhat Familiar Somewhat helpful 50 to 54 Post graduate work Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You could probably come up with $2000 $100K or more One Female Transactors Not selected Selected Know APR and have no balance 225 28053 1.08089 2 3 2011 South Landline RDD Unqualified No Yes Don't know 45 to 49 Completed college No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Poor Under $15K One Male Not selected Not Selected 194 19545 0.81225 2 3 2011 Midwest Landline RDD Qualified Transactors Yes Two More than Six Times You always pay your credit card balances in full on all your cards 100 Yes 0.8 Yes Not selected Not selected Not selected Not selected Selected Not selected No Don't know No Yes Yes No Selected Not selected Not selected Not selected Not selected No No Less Somewhat fairly Somewhat Dissatisfied Somewhat Dissatisfied No No Not at all Familiar 55 to 59 Post graduate work Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more One Female Transactors Not selected Selected Know APR and have no balance 207 28233 1.48247 2 3 2011 Northeast Landline RDD Qualified Revolvers - large balance Yes Three Once or Twice You sometimes pay your credit card balances in full and sometimes carry a balance from month to month $5000 or more The amount and percentage of the bill that you pay each month varies from month to month 200 0 Yes 9 Yes Selected Not selected Not selected Not selected Not selected Not selected Yes Yes No Selected Not selected Not selected Not selected Not selected Not selected Not selected Not selected No Yes No Not selected Not selected Selected Not selected Not selected Yes No Less Somewhat unfairly Somewhat Dissatisfied Somewhat Dissatisfied No No Not Very Familiar Somewhat helpful 35 to 44 Post graduate work Yes 4 No Selected Selected Not selected Not selected Not selected Not selected Not selected Other (non-Hispanic) Fair No You could probably come up with $2000 $50K to less than $75K One Female Revolvers Selected Selected Know both interest paid and APR 203 20805 0.79949 2 3 2011 Northeast Landline RDD Qualified Transactors Yes Two More than Six Times You always pay your credit card balances in full on all your cards 0 Don't know No Don't know Don't know Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected Yes Yes The Same Somewhat fairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No No Not at all Familiar 75 to 84 Completed college No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair No You are certain you could come up with the full $2000 $25K to less than $30K One Female Transactors Not selected Selected Don't know APR and have no balance 277 16440 1.4799 2 3 2011 South Landline RDD Unqualified No No 35 to 44 Completed high school No 3 No Selected Not selected Selected Not selected Not selected Not selected Not selected Other (non-Hispanic) Fair $30K to less than $40K One Female Not selected Not Selected 158 24644 0.31736 2 3 2011 Northeast Landline RDD Qualified Transactors Yes One More than Six Times You always pay your credit card balances in full on all your cards 0 Yes 18 No No No No No Yes No Not selected Not selected Selected Not selected Not selected Yes Yes The Same Very fairly Somewhat Dissatisfied Extremely Satisfied No No Not at all Familiar 75 to 84 Completed high school No 1 Refused Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $30K to less than $40K Three or more Female Transactors Not selected Selected Know APR and have no balance 160 30173 0.71557 2 3 2011 Midwest Landline RDD Qualified Revolvers - medium balance Yes Two Three or Four Times You usually carry a balance from month to month on at least one of your cards $1000 to $1999 The amount and percentage of the bill that you pay each month varies from month to month 100 0 Yes 13 No Yes No Yes Not selected Selected Not selected Selected Not selected Not selected Not selected Not selected Yes Yes Don't know Selected Not selected Not selected Not selected Not selected Don't know Yes The Same Refused Extremely Satisfied Extremely Satisfied Don't know No Somewhat Familiar Very helpful 75 to 84 Completed college No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $25K to less than $30K One Female Revolvers Selected Selected Know both interest paid and APR 216 30250 0.56914 2 3 2011 Northeast Landline RDD Qualified Transactors Yes Don't know Three or Four Times You always pay your credit card balances in full on all your cards 0 Yes 0 Yes Selected Not selected Selected Not selected Not selected Not selected Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected Don't know Don't know The Same Very fairly Refused Somewhat Satisfied No No Somewhat Familiar Somewhat helpful Refused Completed college Yes 2 Refused Not selected Not selected Not selected Not selected Not selected Not selected Selected Other (non-Hispanic) Excellent No You could probably come up with $2000 Refused Two Female Transactors Not selected Selected Know APR and have no balance 297 19038 0.56081 2 3 2011 South Landline RDD Unqualified No No 25 to 34 "Some college, not completed" Yes 3 Yes Not selected Selected Not selected Not selected Not selected Not selected Not selected Hispanic Don't know $25K to less than $30K Two Female Not selected Not Selected 291 25504 1.07156 2 3 2011 South Landline RDD Unqualified No No 25 to 34 Completed high school No 4 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair $15K to less than $20K One Male Not selected Not Selected 208 30708 0.34769 2 3 2011 Northeast Landline RDD Qualified Transactors Yes Two Three or Four Times You always pay your credit card balances in full on all your cards 0 Don't know No Yes No Don't know Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes No Yes Not selected Not selected Selected Not selected Not selected No Don't know Refused Very fairly Somewhat Satisfied Don't know No Don't know Not Very Familiar Neither helpful nor unhelpful 85 or older Post graduate work No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $50K to less than $75K Two Male Transactors Not selected Selected Don't know APR and have no balance 246 26131 0.70649 2 3 2011 Midwest Landline RDD Qualified Transactors Yes Four or More Don't know You always pay your credit card balances in full on all your cards 0 Don't know No Don't know Don't know Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Don't know Yes Don't know Not selected Not selected Selected Not selected Not selected No Refused The Same Somewhat fairly Somewhat Satisfied Don't know No No Somewhat Familiar Neither helpful nor unhelpful 55 to 59 Completed college Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more One Male Transactors Not selected Selected Don't know APR and have no balance 316 29988 1.58012 2 3 2011 Midwest Landline RDD Unqualified No Yes Other 45 to 49 Completed high school Yes 2 No Not selected Selected Not selected Not selected Not selected Not selected Not selected Black/African-American (non-Hispanic) Good Under $15K One Female Not selected Not Selected 320 16202 0.85431 2 3 2011 South Landline RDD Unqualified No No 55 to 59 Completed high school No 4 No Selected Not selected Selected Not selected Not selected Not selected Not selected Other (non-Hispanic) Fair $40K to less than $50K One Male Not selected Not Selected 323 24290 1.45465 2 3 2011 Midwest Landline RDD Unqualified No No Under 25 Completed grade school or less No 5 No Selected Not selected Selected Not selected Selected Not selected Not selected Other (non-Hispanic) Don't know Under $15K Refused Male Not selected Not Selected 340 19621 1.33335 2 3 2011 Midwest Landline RDD Unqualified No No 50 to 54 "Some high school, not completed" No 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair Don't know One Female Not selected Not Selected 349 32063 1.45465 2 3 2011 Midwest Landline RDD Unqualified No No Under 25 Completed grade school or less Yes 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Don't know $25K to less than $30K One Male Not selected Not Selected 356 23168 1.18932 2 3 2011 Northeast Landline RDD Unqualified No Yes You decided to close the account and make purchases in other ways such as with a debit card 35 to 44 Post graduate work Yes 6 Refused Not selected Not selected Not selected Not selected Not selected Not selected Selected Other (non-Hispanic) Excellent $100K or more One Male Not selected Not Selected 337 22126 1.17905 2 3 2011 Northeast Landline RDD Unqualified No Yes You decided to close the account and make purchases in other ways such as with a debit card 25 to 34 Completed high school Yes 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good $30K to less than $40K One Male Not selected Not Selected 367 24673 0.85431 2 3 2011 South Landline RDD Unqualified No No 55 to 59 Completed high school No 2 No Not selected Not selected Not selected Not selected Not selected Selected Not selected Other (non-Hispanic) Good Under $15K One Male Not selected Not Selected 267 32451 0.63199 2 3 2011 South Landline RDD Qualified Transactors Yes One Five or Six Times You always pay your credit card balances in full on all your cards 0 Don't know No Don't know Yes Yes Selected Not selected Not selected Not selected Not selected Not selected Not selected Not selected Yes Yes No Selected Not selected Not selected Not selected Not selected No No Don't know Very fairly Somewhat Satisfied Somewhat Satisfied No No Not Very Familiar Somewhat helpful 70 to 74 Post graduate work Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 Refused One Male Transactors Selected Selected Don't know APR and have no balance 309 16831 0.82478 2 3 2011 South Landline RDD Qualified Yes Three Once or Twice You usually carry a balance from month to month on at least one of your cards Refused The amount and percentage of the bill that you pay each month varies from month to month Refused 0 Refused Yes Selected Not selected Not selected Not selected Not selected Not selected Yes Yes Yes Not selected Selected Not selected Not selected Not selected Not selected Not selected Not selected No Yes No Not selected Not selected Selected Not selected Not selected Yes Yes More Somewhat fairly Somewhat Satisfied Somewhat Satisfied Yes No Very Familiar Very helpful 50 to 54 Post graduate work No 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You are certain you could come up with the full $2000 $40K to less than $50K One Female Selected Selected Refused at least one of the two questions 423 28012 1.35556 2 3 2011 Northeast Landline RDD Unqualified No No 25 to 34 Completed high school No 4 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair $20K to less than $25K One Female Not selected Not Selected 386 21622 0.99007 2 3 2011 Northeast Landline RDD Qualified Transactors Yes One More than Six Times You always pay your credit card balances in full on all your cards 0 Yes 0 No Don't know Don't know Don't know Don't know Yes Don't know Not selected Not selected Selected Not selected Not selected No No The Same Very fairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No No Very Familiar Very unhelpful 25 to 34 Completed college Yes 4 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more One Male Transactors Not selected Selected Know APR and have no balance 440 23047 0.79949 2 3 2011 Northeast Landline RDD Unqualified Don't know Yes Don't know 85 or older Completed college No 1 No Not selected Not selected Not selected Not selected Not selected Not selected Selected Other (non-Hispanic) Excellent Don't know One Female Not selected Not Selected 463 16515 0.63199 2 3 2011 South Landline RDD Unqualified No Yes Other 70 to 74 "Some college, not completed" Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good $15K to less than $20K One Male Not selected Not Selected 486 16497 0.95209 2 3 2011 Northeast Landline RDD Unqualified Yes Two You do not use any of your general purpose credit cards No 85 or older Completed high school No 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent Refused Refused Female Not selected Not Selected 435 18231 1.35556 2 3 2011 Northeast Landline RDD Qualified Transactors Yes One Once or Twice You always pay your credit card balances in full on all your cards 0 Don't know No Yes Don't know Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Don't know Don't know Not selected Not selected Selected Not selected Not selected Don't know Yes The Same Neither fairly nor unfairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No No Somewhat Familiar Neither helpful nor unhelpful 25 to 34 Completed high school Yes 4 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $75K to less than $100K One Female Transactors Not selected Selected Don't know APR and have no balance 494 14667 0.49111 2 3 2011 South Landline RDD Unqualified No No 55 to 59 Completed high school Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent $50K to less than $75K Two Female Not selected Not Selected 451 22934 1.14152 2 3 2011 Northeast Landline RDD Qualified Transactors Yes One Don't know You always pay your credit card balances in full on all your cards 0 Don't know No Don't know No Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Don't know Yes Don't know Not selected Not selected Selected Not selected Not selected Yes Yes The Same Very fairly Extremely Satisfied Don't know No No Not at all Familiar 70 to 74 "Some high school, not completed" No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You are certain you could come up with the full $2000 $20K to less than $25K One Male Transactors Not selected Selected Don't know APR and have no balance 462 15787 0.316 2 3 2011 South Landline RDD Qualified Revolvers - medium balance Yes Two More than Six Times You sometimes pay your credit card balances in full and sometimes carry a balance from month to month $1000 to $1999 The amount and percentage of the bill that you pay each month varies from month to month 200 0 Yes 14 Yes Not selected Not selected Selected Not selected Not selected Not selected Yes Yes No Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected Yes Yes Less Neither fairly nor unfairly Somewhat Dissatisfied Extremely Dissatisfied No No Not Very Familiar Somewhat helpful 70 to 74 Post graduate work Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You are certain you could come up with the full $2000 $75K to less than $100K Two Male Revolvers Not selected Selected Know both interest paid and APR 518 26277 1.36736 2 3 2011 Northeast Landline RDD Unqualified No Yes You decided to close the account and make purchases in other ways such as with a debit card 35 to 44 Post graduate work Yes 4 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good $50K to less than $75K One Female Not selected Not Selected 535 31640 1.19276 2 3 2011 South Landline RDD Unqualified No Yes Other 65 to 69 "Some high school, not completed" No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Poor $20K to less than $25K One Female Not selected Not Selected 482 15372 0.39975 2 3 2011 Northeast Landline RDD Qualified Transactors Yes Two Three or Four Times You always pay your credit card balances in full on all your cards 0 Yes 0 Yes Not selected Selected Selected Not selected Not selected Not selected Yes Don't know Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected Yes Yes The Same Very fairly Don't know Extremely Satisfied No No Not Very Familiar Somewhat helpful 75 to 84 Post graduate work No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You could probably come up with $2000 $50K to less than $75K Two Female Transactors Not selected Selected Know APR and have no balance 546 27453 1.26765 2 3 2011 Midwest Landline RDD Unqualified Yes One You do not use any of your general purpose credit cards No 45 to 49 Completed high school Yes 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good $30K to less than $40K One Male Not selected Not Selected 558 29643 0.94001 2 3 2011 Northeast Landline RDD Unqualified Yes Three You do not use any of your general purpose credit cards No 60 to 64 Completed high school Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent $50K to less than $75K One Male Not selected Not Selected 532 19003 0.81225 2 3 2011 Midwest Landline RDD Qualified Transactors Yes One Once or Twice You always pay your credit card balances in full on all your cards 0 Yes 7.9 No Don't know Don't know Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Don't know Not selected Not selected Selected Not selected Not selected Yes Yes Less Very fairly Extremely Satisfied Somewhat Satisfied No No Somewhat Familiar Neither helpful nor unhelpful 60 to 64 Completed college No 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $40K to less than $50K One Female Transactors Not selected Selected Know APR and have no balance 579 31964 1.2872 2 3 2011 South Landline RDD Unqualified No Yes You decided to close the account and make purchases in other ways such as with a debit card 35 to 44 Completed high school No 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent $40K to less than $50K One Male Not selected Not Selected 588 30177 0.84134 2 3 2011 Midwest Landline RDD Unqualified No Yes You decided to close the account and make purchases in other ways such as with a debit card 50 to 54 Completed high school Yes 2 No Not selected Not selected Selected Not selected Not selected Not selected Not selected American Indian or Alaska Native (non-Hispanic) Good $40K to less than $50K One Male Not selected Not Selected 562 29883 0.90751 2 3 2011 Northeast Landline RDD Qualified Transactors Yes One Three or Four Times You always pay your credit card balances in full on all your cards 0 Yes 0 Yes Not selected Selected Not selected Not selected Not selected Not selected Yes Don't know Don't know Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes No Selected Not selected Not selected Not selected Not selected Yes Yes Less Very fairly Neither Satisfied nor Dissatisfied Somewhat Dissatisfied No No Somewhat Familiar Somewhat helpful 60 to 64 "Some college, not completed" Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You could probably come up with $2000 $40K to less than $50K One Female Transactors Not selected Selected Know APR and have no balance 597 24238 1.4799 2 3 2011 South Landline RDD Unqualified No Yes You decided to close the account and make purchases in other ways such as with a debit card 35 to 44 Completed high school Yes 4 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Poor $15K to less than $20K One Female Not selected Not Selected 540 24481 0.20746 2 3 2011 Midwest Landline RDD Qualified Transactors Yes Four or More Five or Six Times You always pay your credit card balances in full on all your cards 20 Yes 24 Yes Not selected Not selected Selected Not selected Not selected Not selected Don't know Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Don't know No Selected Not selected Not selected Not selected Not selected Yes Yes Less Somewhat fairly Extremely Dissatisfied Somewhat Dissatisfied No No Somewhat Familiar Somewhat helpful 65 to 69 Post graduate work Yes 4 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more Three or more Male Transactors Not selected Selected Know APR and have no balance 545 29152 0.7266 2 3 2011 South Landline RDD Qualified Revolvers - small balance Yes One Three or Four Times You sometimes pay your credit card balances in full and sometimes carry a balance from month to month Less than $500 The amount and percentage of the bill that you pay each month varies from month to month 10 0 Don't know No Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Don't know Selected Not selected Not selected Not selected Not selected Yes Yes More Somewhat fairly Extremely Satisfied Extremely Satisfied No No Not Very Familiar Somewhat helpful 65 to 69 Post graduate work Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more One Female Revolvers Not selected Selected Know interest paid but not APR 591 23035 1.08073 2 3 2011 Northeast Landline RDD Qualified Yes Two Three or Four Times You usually carry a balance from month to month on at least one of your cards Refused The amount and percentage of the bill that you pay each month varies from month to month Don't know Don't know Don't know No Yes Yes Don't know Selected Not selected Not selected Not selected Not selected Not selected Not selected Not selected Yes Yes Don't know Selected Not selected Not selected Not selected Not selected Yes Yes Don't know Very fairly Extremely Satisfied Extremely Dissatisfied No No Somewhat Familiar Somewhat helpful 60 to 64 Completed high school No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good Yes You are certain you could come up with the full $2000 Refused One Female Selected Selected Know neither interest paid nor APR 601 26022 0.316 2 3 2011 South Landline RDD Qualified Transactors Yes One More than Six Times You always pay your credit card balances in full on all your cards 0 Yes 19 Yes Selected Not selected Not selected Not selected Not selected Not selected Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected No Yes The Same Very fairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No No Somewhat Familiar Neither helpful nor unhelpful 65 to 69 Post graduate work No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $25K to less than $30K Two Male Transactors Not selected Selected Know APR and have no balance 580 20478 1.36736 2 3 2011 Northeast Landline RDD Qualified Revolvers - large balance Yes Two More than Six Times You sometimes pay your credit card balances in full and sometimes carry a balance from month to month $5000 or more The amount and percentage of the bill that you pay each month varies from month to month 250 0 Yes 0.12 Yes Not selected Not selected Selected Not selected Not selected Not selected Yes No Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes No Yes Selected Selected Not selected Not selected Not selected Yes Yes The Same Very fairly Somewhat Dissatisfied Neither Satisfied nor Dissatisfied No Yes 1 Someone at your bank told you about it "You applied for card/cards that read/heard about and seemed attractive, but did not do a lot of comparative shopping" 5 - Extremely important 3 3 4 3 5 - Extremely Important The introductory interest rate on balance transfers and/or purchases Somewhat Familiar Somewhat helpful 35 to 44 Post graduate work Yes 4 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more One Female Revolvers Not selected Selected Know both interest paid and APR 619 20310 0.85215 2 3 2011 Midwest Landline RDD Qualified Revolvers - medium balance Yes Two Five or Six Times You sometimes pay your credit card balances in full and sometimes carry a balance from month to month $1000 to $1999 The amount and percentage of the bill that you pay each month varies from month to month 0 0 Yes 22.99 Yes Not selected Selected Not selected Not selected Not selected Not selected Yes Yes Yes Not selected Not selected Selected Not selected Not selected Not selected Not selected Not selected Yes Yes Yes Not selected Not selected Selected Not selected Not selected Yes Yes Less Somewhat fairly Extremely Dissatisfied Somewhat Dissatisfied No No Not at all Familiar 75 to 84 Completed high school Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You are certain you could come up with the full $2000 $50K to less than $75K One Female Revolvers Selected Selected Know both interest paid and APR 653 17810 0.27074 2 3 2011 Midwest Landline RDD Qualified Transactors Yes Three More than Six Times You always pay your credit card balances in full on all your cards 0 Don't know Yes Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected No Yes The Same Very fairly Somewhat Satisfied Extremely Satisfied No No Very Familiar Somewhat helpful 60 to 64 Completed college Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more Three or more Female Transactors Not selected Selected Don't know APR and have no balance 698 24211 0.28404 2 3 2011 Midwest Landline RDD Unqualified No No 85 or older Completed high school Yes 1 Don't know Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good Under $15K Three or more Female Not selected Not Selected 635 14741 1.22383 2 3 2011 Midwest Landline RDD Qualified Revolvers - large balance Yes Four or More More than Six Times You usually carry a balance from month to month on at least one of your cards $4000 to $4999 The amount and percentage of the bill that you pay each month varies from month to month 4000 100 Yes 10 Yes Selected Not selected Selected Not selected Not selected Not selected Yes Yes Yes Selected Not selected Not selected Not selected Not selected Not selected Not selected Not selected Yes Yes Yes Not selected Selected Not selected Not selected Not selected Yes Yes Less Neither fairly nor unfairly Somewhat Dissatisfied Somewhat Satisfied No No Somewhat Familiar Very helpful 45 to 49 Completed college Yes 7 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You are certain you could come up with the full $2000 $100K or more One Female Revolvers Selected Selected Know both interest paid and APR 696 22701 0.71557 2 3 2011 Midwest Landline RDD Unqualified No Yes You decided to close the account and make purchases in other ways such as with a debit card Refused Post graduate work Yes 4 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair Refused One Female Not selected Not Selected 706 15312 1.67242 2 3 2011 Midwest Landline RDD Unqualified No No Under 25 "Some high school, not completed" No 5 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent $25K to less than $30K One Female Not selected Not Selected 711 23138 0.82812 2 3 2011 Northeast Landline RDD Unqualified No Yes Other 70 to 74 Completed high school Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair $15K to less than $20K One Male Not selected Not Selected 741 17585 1.18932 2 3 2011 Northeast Landline RDD Unqualified No No 35 to 44 Post graduate work No 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent Refused One Male Not selected Not Selected 753 33082 1.18932 2 3 2011 Northeast Landline RDD Unqualified No No 35 to 44 "Some college, not completed" No 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Don't know Under $15K One Male Not selected Not Selected 702 21313 0.99007 2 3 2011 Northeast Landline RDD Qualified Revolvers - large balance Yes One Once or Twice You sometimes pay your credit card balances in full and sometimes carry a balance from month to month $4000 to $4999 The amount and percentage of the bill that you pay each month varies from month to month Don't know 15 Don't know No Refused Don't know Don't know Don't know Yes Don't know Not selected Not selected Selected Not selected Not selected Don't know No The Same Neither fairly nor unfairly Somewhat Dissatisfied Somewhat Dissatisfied No No Not Very Familiar Somewhat helpful 25 to 34 Post graduate work Yes 5 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair No You are certain you could come up with the full $2000 $100K or more One Male Revolvers Not selected Selected Know neither interest paid nor APR 727 24951 0.79949 2 3 2011 Northeast Landline RDD Qualified Transactors Yes Two More than Six Times You always pay your credit card balances in full on all your cards 0 Don't know Yes Not selected Not selected Selected Not selected Not selected Not selected Don't know No Yes Not selected Not selected Selected Not selected Not selected Not selected Not selected Not selected Yes Don't know No Not selected Selected Not selected Not selected Not selected No Don't know The Same Very fairly Neither Satisfied nor Dissatisfied Extremely Dissatisfied No No Not at all Familiar 65 to 69 Post graduate work Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You are certain you could come up with the full $2000 $30K to less than $40K One Female Transactors Selected Selected Don't know APR and have no balance 770 29494 0.82812 2 3 2011 Northeast Landline RDD Unqualified No No 65 to 69 Completed high school No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair $15K to less than $20K One Male Not selected Not Selected 783 30969 0.23549 2 3 2011 Midwest Landline RDD Unqualified No Don't know 50 to 54 Completed college No 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Don't know $25K to less than $30K Three or more Male Not selected Not Selected 806 30945 0.38137 2 3 2011 Midwest Landline RDD Unqualified No No Under 25 Completed high school No 10 No Not selected Selected Selected Not selected Selected Not selected Not selected Other (non-Hispanic) Fair $25K to less than $30K Three or more Male Not selected Not Selected 734 29311 1.03451 2 3 2011 South Landline RDD Qualified Revolvers - large balance Yes Three Once or Twice You sometimes pay your credit card balances in full and sometimes carry a balance from month to month $4000 to $4999 You usually pay only the MINIMUM AMOUNT due each month 50 0 Yes 9.99 Yes Not selected Not selected Selected Not selected Not selected Not selected Yes Yes Yes Selected Not selected Not selected Not selected Not selected Not selected Not selected Not selected Yes Yes Don't know Not selected Not selected Selected Not selected Not selected Yes No The Same Neither fairly nor unfairly Somewhat Satisfied Somewhat Satisfied No No Not Very Familiar Neither helpful nor unhelpful 25 to 34 "Some college, not completed" Yes 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No Don't know $50K to less than $75K One Female Revolvers Selected Selected Know both interest paid and APR 808 33115 0.71557 2 3 2011 Midwest Landline RDD Unqualified Yes One You do not use any of your general purpose credit cards No 75 to 84 Completed college No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent Refused One Female Not selected Not Selected 792 32364 0.7266 2 3 2011 South Landline RDD Qualified Revolvers - medium balance Yes Two Once or Twice You sometimes pay your credit card balances in full and sometimes carry a balance from month to month $1000 to $1999 The amount and percentage of the bill that you pay each month varies from month to month 20 0 Yes 8 Yes Not selected Not selected Not selected Selected Not selected Not selected Yes No Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected No No No No Yes The Same Very fairly Somewhat Dissatisfied Somewhat Satisfied No No Somewhat Familiar Somewhat helpful 65 to 69 "Some college, not completed" Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more One Female Revolvers Not selected Selected Know both interest paid and APR 804 16735 0.70649 2 3 2011 Midwest Landline RDD Qualified Transactors Yes Two Once or Twice You always pay your credit card balances in full on all your cards 0 Yes 13.9 Don't know Yes No No Not selected Not selected Selected Not selected Not selected Not selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected No Yes The Same Somewhat unfairly Extremely Dissatisfied Extremely Dissatisfied No No Somewhat Familiar Somewhat helpful 55 to 59 "Some college, not completed" No 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $40K to less than $50K One Male Transactors Selected Selected Know APR and have no balance 848 29477 0.3274 2 3 2011 South Landline RDD Unqualified No Yes Other 60 to 64 Completed high school No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good $20K to less than $25K Three or more Female Not selected Not Selected 817 33369 0.35325 2 3 2011 Midwest Landline RDD Qualified Transactors Yes One More than Six Times You always pay your credit card balances in full on all your cards 0 Yes 0.12 No Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Yes Not selected Not selected Selected Not selected Not selected Yes Yes More Very fairly Extremely Satisfied Somewhat Satisfied No No Somewhat Familiar Somewhat helpful 60 to 64 Completed college Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You are certain you could come up with the full $2000 $100K or more Two Male Transactors Not selected Selected Know APR and have no balance 866 21281 0.62239 2 3 2011 Midwest Landline RDD Unqualified No No 65 to 69 Post graduate work No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent $40K to less than $50K One Male Not selected Not Selected 831 17556 0.23852 2 3 2011 Midwest Landline RDD Qualified Transactors Yes One More than Six Times You always pay your credit card balances in full on all your cards 0 Don't know No Yes No Yes Not selected Not selected Not selected Selected Not selected Not selected Not selected Not selected Yes Yes No Selected Not selected Not selected Not selected Not selected Yes Yes The Same Very fairly Extremely Satisfied Somewhat Dissatisfied No No Not Very Familiar Neither helpful nor unhelpful 75 to 84 Completed college Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $40K to less than $50K Three or more Female Transactors Not selected Selected Don't know APR and have no balance 829 17035 0.71738 2 3 2011 South Landline RDD Qualified Transactors Yes One More than Six Times You always pay your credit card balances in full on all your cards 0 Yes 0 No Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected No Yes More Very fairly Extremely Satisfied Extremely Satisfied No No Not at all Familiar 60 to 64 "Some college, not completed" Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $50K to less than $75K One Male Transactors Not selected Selected Know APR and have no balance 867 31435 1.34732 2 3 2011 South Landline RDD Unqualified No No 35 to 44 Completed college Yes 1 No Not selected Selected Not selected Not selected Not selected Not selected Not selected Black/African-American (non-Hispanic) Don't know $100K or more One Female Not selected Not Selected 882 15490 1.33335 2 3 2011 Midwest Landline RDD Unqualified No No 60 to 64 Completed grade school or less Yes 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Poor Under $15K One Female Not selected Not Selected 880 25192 1.60449 2 3 2011 South Landline RDD Unqualified No Yes You decided to close the account and make purchases in other ways such as with a debit card 35 to 44 Completed high school No 2 No Not selected Selected Not selected Not selected Not selected Not selected Not selected Black/African-American (non-Hispanic) Fair Under $15K One Female Not selected Not Selected 874 26421 0.85215 2 3 2011 Midwest Landline RDD Unqualified No Yes You decided to close the account and make purchases in other ways such as with a debit card 85 or older Completed high school Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good $15K to less than $20K One Female Not selected Not Selected 891 22997 1.17464 2 3 2011 Midwest Landline RDD Unqualified No No 75 to 84 "Some high school, not completed" Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Don't know Refused Refused Female Not selected Not Selected 854 25881 0.36029 2 3 2011 South Landline RDD Qualified Transactors Yes Four or More More than Six Times You always pay your credit card balances in full on all your cards 0 Don't know Yes Not selected Not selected Not selected Selected Not selected Not selected Yes Don't know Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes No No Not selected Not selected Selected Not selected Not selected No Yes Less Somewhat fairly Extremely Dissatisfied Extremely Dissatisfied No No Somewhat Familiar Neither helpful nor unhelpful 45 to 49 Completed college Yes 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent Yes You are certain you could come up with the full $2000 $100K or more Three or more Male Transactors Not selected Selected Don't know APR and have no balance 892 32301 1.81321 2 3 2011 Midwest Landline RDD Unqualified No No 25 to 34 Completed grade school or less No 3 No Selected Selected Not selected Not selected Not selected Not selected Not selected Other (non-Hispanic) Fair Under $15K One Female Not selected Not Selected 841 26495 0.71738 2 3 2011 South Landline RDD Qualified Transactors Yes Four or More More than Six Times You always pay your credit card balances in full on all your cards 0 Don't know Yes Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Don't know Not selected Selected Not selected Not selected Not selected Not selected Not selected Not selected Yes No Yes Selected Not selected Not selected Not selected Not selected No Yes The Same Very fairly Extremely Satisfied Extremely Satisfied No Yes 1 You saw an advertisement on TV or in a newspaper or magazine "You applied for card/cards that read/heard about and seemed attractive, but did not do a lot of comparative shopping" 1 - Not at all important 1 - Not at all important 3 1 - Not at all important 1 - Not at all important 1 - Not at all important The bonus you could earn by applying or by making a few purchases Very Familiar Neither helpful nor unhelpful 55 to 59 Post graduate work Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more One Male Transactors Selected Selected Don't know APR and have no balance 839 20124 0.85215 2 3 2011 Midwest Landline RDD Qualified Revolvers - small balance Yes Four or More Once or Twice Other $500 to $999 The amount and percentage of the bill that you pay each month varies from month to month 10 0 Yes 9.9 Yes Not selected Selected Not selected Not selected Not selected Not selected Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Don't know Selected Not selected Not selected Not selected Not selected Yes Yes The Same Somewhat fairly Somewhat Dissatisfied Somewhat Satisfied No No Not at all Familiar 75 to 84 Completed high school No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You could probably come up with $2000 $15K to less than $20K One Female Revolvers Not selected Selected Know both interest paid and APR 887 25171 0.71557 2 3 2011 Midwest Landline RDD Qualified Transactors Yes One More than Six Times You always pay your credit card balances in full on all your cards 0 Yes 18 No Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes No Yes Not selected Not selected Selected Not selected Not selected Yes Yes The Same Very fairly Somewhat Satisfied Somewhat Satisfied No No Not Very Familiar Somewhat helpful 70 to 74 "Some college, not completed" Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $50K to less than $75K One Female Transactors Not selected Selected Know APR and have no balance 927 28500 0.74119 2 3 2011 Midwest Landline RDD Unqualified No No 70 to 74 Completed high school Yes 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent $25K to less than $30K One Male Not selected Not Selected 873 20607 0.79949 2 3 2011 Northeast Landline RDD Qualified Transactors Yes One Three or Four Times You always pay your credit card balances in full on all your cards 0 Yes 0 No No Don't know No Yes Don't know Don't know Not selected Not selected Selected Not selected Not selected No Yes The Same Very fairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No No Not Very Familiar Neither helpful nor unhelpful 65 to 69 Post graduate work Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $40K to less than $50K One Female Transactors Not selected Selected Know APR and have no balance 890 16250 1.32686 2 3 2011 Midwest Landline RDD Qualified Revolvers - small balance Yes One Three or Four Times You usually carry a balance from month to month on at least one of your cards Less than $500 You usually pay the same AMOUNT each month 50 30 Yes 10 No No No Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected Yes Yes Less Very fairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No No Not at all Familiar 35 to 44 Completed college No 2 No Not selected Selected Not selected Not selected Not selected Not selected Not selected Black/African-American (non-Hispanic) Good No You are certain you could come up with the full $2000 Refused One Female Revolvers Not selected Selected Know both interest paid and APR 918 30729 1.02169 2 3 2011 Midwest Landline RDD Unqualified No No 85 or older Completed grade school or less Yes 3 No Not selected Not selected Selected Not selected Not selected Not selected Not selected American Indian or Alaska Native (non-Hispanic) Excellent $75K to less than $100K One Male Not selected Not Selected 914 26650 1.2427 2 3 2011 South Landline RDD Qualified Transactors Yes Two Don't know You always pay your credit card balances in full on all your cards 0 Don't know No Yes Don't know Yes Selected Not selected Not selected Not selected Not selected Not selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected Yes Yes Less Somewhat fairly Somewhat Satisfied Somewhat Satisfied No No Somewhat Familiar Neither helpful nor unhelpful 45 to 49 Completed college Yes 4 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No Refused Refused One Female Transactors Selected Selected Don't know APR and have no balance 907 33312 0.96729 2 3 2011 Midwest Landline RDD Qualified Revolvers - small balance Yes Two Once or Twice You usually carry a balance from month to month on at least one of your cards $500 to $999 The amount and percentage of the bill that you pay each month varies from month to month Don't know Don't know Don't know No Yes No Don't know Not selected Not selected Not selected Selected Not selected Not selected Not selected Not selected Yes Don't know No Selected Not selected Not selected Not selected Not selected Yes Yes The Same Somewhat fairly Extremely Dissatisfied Extremely Dissatisfied No No Not at all Familiar 60 to 64 Completed high school Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair Yes You are certain you could NOT raise the full $2000 $30K to less than $40K One Female Revolvers Not selected Selected Know neither interest paid nor APR 977 22173 0.4513 2 3 2011 South Landline RDD Unqualified No No 50 to 54 "Some high school, not completed" No 1 No Selected Not selected Selected Not selected Not selected Not selected Not selected Other (non-Hispanic) Fair Under $15K Three or more Female Not selected Not Selected 988 26998 0.93814 2 3 2011 South Landline RDD Unqualified No No 65 to 69 Completed high school Yes 2 No Not selected Selected Not selected Not selected Not selected Not selected Not selected Black/African-American (non-Hispanic) Fair $25K to less than $30K One Female Not selected Not Selected 942 29935 1.46789 2 3 2011 South Landline RDD Qualified Revolvers - small balance Yes Two More than Six Times Other Less than $500 The amount and percentage of the bill that you pay each month varies from month to month 4 42 Yes 21 No Yes Yes Yes Not selected Not selected Not selected Selected Not selected Not selected Not selected Not selected Yes Yes Yes Selected Not selected Not selected Not selected Not selected Yes Yes More Somewhat fairly Somewhat Dissatisfied Somewhat Dissatisfied No No Not at all Familiar 50 to 54 Completed grade school or less No 1 No Not selected Selected Not selected Not selected Not selected Not selected Not selected Black/African-American (non-Hispanic) Poor Yes You are certain you could NOT raise the full $2000 Under $15K One Female Revolvers Not selected Selected Know both interest paid and APR 956 18383 0.63199 2 3 2011 South Landline RDD Qualified Revolvers - medium balance Yes One Once or Twice You usually carry a balance from month to month on at least one of your cards $1000 to $1999 You usually pay the same AMOUNT each month 3 0 Yes 9 No Yes No Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected Yes Yes Less Very fairly Somewhat Dissatisfied Somewhat Satisfied No No Not Very Familiar Somewhat helpful 65 to 69 Post graduate work Yes 2 No Not selected Not selected Selected Not selected Selected Not selected Not selected Other (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $50K to less than $75K One Male Revolvers Not selected Selected Know both interest paid and APR 1021 30267 0.71738 2 3 2011 South Landline RDD Unqualified No Yes Other 50 to 54 Post graduate work No 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Poor $75K to less than $100K One Male Not selected Not Selected 951 33268 1.08089 2 3 2011 South Landline RDD Qualified Revolvers - medium balance Yes One Once or Twice You sometimes pay your credit card balances in full and sometimes carry a balance from month to month $1000 to $1999 The amount and percentage of the bill that you pay each month varies from month to month Don't know 100 Yes 0.24 Yes Selected Not selected Not selected Not selected Not selected Not selected Yes Yes Yes Not selected Not selected Not selected Selected Not selected Not selected Not selected Not selected Yes Yes No Selected Not selected Not selected Not selected Not selected Yes Yes More Somewhat fairly Neither Satisfied nor Dissatisfied Somewhat Satisfied No No Not Very Familiar Somewhat helpful 35 to 44 Completed college Yes 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair No You are certain you could come up with the full $2000 $30K to less than $40K One Male Revolvers Not selected Selected Know APR but not interest paid 1072 21065 0.42067 2 3 2011 Midwest Landline RDD Unqualified No No 60 to 64 Completed high school Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Poor $40K to less than $50K Two Male Not selected Not Selected 979 25565 0.36331 2 3 2011 South Landline RDD Qualified Transactors Yes One Once or Twice You always pay your credit card balances in full on all your cards Refused Don't know Yes Selected Not selected Not selected Not selected Not selected Not selected Yes Yes No Not selected Not selected Not selected Selected Not selected Not selected Not selected Not selected Yes No No Selected Not selected Not selected Not selected Not selected Don't know Yes Less Somewhat fairly Don't know Don't know No No Very Familiar Don't know 85 or older Completed college No 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No Refused Refused Two Female Transactors Not selected Selected Don't know APR and have no balance 1017 29498 0.96729 2 3 2011 Midwest Landline RDD Qualified Transactors Yes Four or More Three or Four Times You always pay your credit card balances in full on all your cards 0 Yes 0 Yes Not selected Selected Not selected Not selected Not selected Not selected No No No Yes Yes No Selected Not selected Not selected Not selected Not selected Yes Yes Less Somewhat fairly Somewhat Dissatisfied Neither Satisfied nor Dissatisfied No Yes 2 You saw an advertisement on the Internet "You applied for card/cards that read/heard about and seemed attractive, but did not do a lot of comparative shopping" 5 - Extremely important 5 - Extremely Important 5 - Extremely Important 4 5 - Extremely Important 3 The permanent interest rate after the end of the introductory period Not Very Familiar Neither helpful nor unhelpful 55 to 59 Completed high school Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You could probably come up with $2000 $50K to less than $75K One Female Transactors Not selected Selected Know APR and have no balance 1015 20538 0.71557 2 3 2011 Midwest Landline RDD Qualified Transactors Yes Four or More Five or Six Times You always pay your credit card balances in full on all your cards 0 Yes 21 No Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes No Selected Not selected Not selected Not selected Not selected Yes Yes Less Very fairly Extremely Dissatisfied Somewhat Satisfied No No Somewhat Familiar Somewhat unhelpful 70 to 74 "Some college, not completed" No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $40K to less than $50K One Female Transactors Not selected Selected Know APR and have no balance 1048 17013 0.53224 2 3 2011 Midwest Landline RDD Qualified Transactors Yes Three Five or Six Times You always pay your credit card balances in full on all your cards 0 Don't know Yes Not selected Not selected Not selected Selected Not selected Not selected No No Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes No No Not selected Not selected Selected Not selected Not selected Yes Don't know The Same Very fairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No Yes 1 You received something in the mail or via e-mail about the card(s) You shopped around and compared several different cards before selecting the card(s) for which you applied Somewhat easy 1 - Not at all important 4 3 4 3 3 The permanent interest rate after the end of the introductory period Somewhat Familiar Neither helpful nor unhelpful 45 to 49 Completed college No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more Two Male Transactors Not selected Selected Don't know APR and have no balance 1153 32775 0.58733 2 3 2011 Midwest Landline RDD Unqualified No No 85 or older "Some high school, not completed" No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good Refused Two Female Not selected Not Selected 1079 28098 0.89981 2 3 2011 South Landline RDD Qualified Transactors Yes One Once or Twice You always pay your credit card balances in full on all your cards 20 Yes 3 No Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected Yes Yes More Somewhat fairly Somewhat Satisfied Somewhat Satisfied No No Not at all Familiar Under 25 Completed college No 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair No You could probably come up with $2000 $15K to less than $20K One Male Transactors Not selected Selected Know APR and have no balance 1161 18750 0.86529 2 3 2011 South Landline RDD Unqualified No Yes You decided to close the account and make purchases in other ways such as with a debit card 75 to 84 Completed high school No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good $15K to less than $20K One Female Not selected Not Selected 1169 29831 0.7266 2 3 2011 South Landline RDD Unqualified No Yes You decided to close the account and make purchases in other ways such as with a debit card 70 to 74 "Some college, not completed" Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent $20K to less than $25K One Female Not selected Not Selected 1093 17594 0.20746 2 3 2011 Midwest Landline RDD Qualified Revolvers - small balance Yes Three More than Six Times You usually carry a balance from month to month on at least one of your cards $500 to $999 You usually pay the same PERCENTAGE of the bill each month 0 0 Yes 12 No Yes Yes Yes Not selected Not selected Not selected Selected Not selected Not selected Not selected Not selected Yes Yes No Selected Not selected Not selected Not selected Not selected Yes Yes More Very fairly Extremely Satisfied Extremely Satisfied No No Not Very Familiar Don't know 70 to 74 Post graduate work Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could NOT raise the full $2000 $40K to less than $50K Three or more Male Revolvers Not selected Selected Know both interest paid and APR 1089 32295 0.89981 2 3 2011 South Landline RDD Qualified Transactors Yes Two More than Six Times You always pay your credit card balances in full on all your cards 0 Yes 0.18 No Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Don't know Not selected Not selected Selected Not selected Not selected Yes Yes The Same Somewhat fairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No Yes 1 You received something in the mail or via e-mail about the card(s) You shopped around and compared several different cards before selecting the card(s) for which you applied Very easy 1 - Not at all important 3 3 3 5 - Extremely Important 1 - Not at all important The fees charged on the card Not Very Familiar Neither helpful nor unhelpful 25 to 34 "Some college, not completed" No 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You are certain you could come up with the full $2000 $40K to less than $50K One Male Transactors Not selected Selected Know APR and have no balance 1146 15518 1.21326 2 3 2011 Midwest Landline RDD Qualified Revolvers - large balance Yes Four or More More than Six Times You usually carry a balance from month to month on at least one of your cards $5000 or more You usually pay only the MINIMUM AMOUNT due each month 300 0 Yes 18 No No Yes No Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected No No The Same Somewhat fairly Somewhat Dissatisfied Neither Satisfied nor Dissatisfied Yes Yes 2 You received something in the mail or via e-mail about the card(s) "You applied for card/cards that read/heard about and seemed attractive, but did not do a lot of comparative shopping" 4 4 3 3 4 3 The permanent interest rate after the end of the introductory period Not at all Familiar 25 to 34 Completed high school Yes 4 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair No You could probably come up with $2000 $75K to less than $100K One Female Revolvers Not selected Selected Know both interest paid and APR 1105 21984 0.71738 2 3 2011 South Landline RDD Qualified Yes Four or More Three or Four Times You usually carry a balance from month to month on at least one of your cards Refused You usually pay the same AMOUNT each month Don't know 0 Yes 22 Yes Selected Not selected Not selected Not selected Not selected Not selected Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Don't know Don't know Not selected Not selected Selected Not selected Not selected Yes No Less Somewhat unfairly Extremely Dissatisfied Extremely Dissatisfied No No Not Very Familiar Somewhat helpful 55 to 59 "Some college, not completed" Yes 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You could probably come up with $2000 $100K or more One Male Not selected Selected Know APR but not interest paid 1166 19486 0.3112 2 3 2011 Midwest Landline RDD Qualified Transactors Yes One Once or Twice You always pay your credit card balances in full on all your cards 0 Don't know Yes Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes No Don't know Not selected Not selected Selected Not selected Not selected Yes Yes The Same Very fairly Somewhat Satisfied Somewhat Satisfied No No Somewhat Familiar Very helpful 65 to 69 Post graduate work Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $75K to less than $100K Two Male Transactors Not selected Selected Don't know APR and have no balance 1199 27355 1.03745 2 3 2011 South Landline RDD Unqualified No No 65 to 69 "Some high school, not completed" No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent $15K to less than $20K One Male Not selected Not Selected 1197 18495 0.2422 2 3 2011 South Landline RDD Unqualified No Yes You decided to close the account and make purchases in other ways such as with a debit card 75 to 84 "Some college, not completed" No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair $25K to less than $30K Three or more Female Not selected Not Selected 1176 15404 0.88614 2 3 2011 Midwest Landline RDD Qualified Transactors Yes Two More than Six Times You always pay your credit card balances in full on all your cards 0 Yes 7 No Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Yes Not selected Not selected Selected Not selected Not selected Yes Yes Less Neither fairly nor unfairly Somewhat Dissatisfied Somewhat Dissatisfied No No Somewhat Familiar Somewhat helpful 25 to 34 "Some college, not completed" No 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $50K to less than $75K One Male Transactors Not selected Selected Know APR and have no balance 1170 22262 0.81225 2 3 2011 Midwest Landline RDD Qualified Revolvers - large balance Yes One Once or Twice You usually carry a balance from month to month on at least one of your cards $5000 or more The amount and percentage of the bill that you pay each month varies from month to month 200 0 Yes 4 No Yes Yes Yes Not selected Selected Not selected Not selected Not selected Not selected Not selected Not selected Yes Yes Yes Not selected Selected Not selected Not selected Not selected Yes Yes More Very fairly Somewhat Satisfied Extremely Satisfied No No Very Familiar Very helpful 50 to 54 "Some college, not completed" Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You are certain you could come up with the full $2000 $50K to less than $75K One Female Revolvers Selected Selected Know both interest paid and APR 1183 20187 0.88614 2 3 2011 Midwest Landline RDD Qualified Revolvers - small balance Yes Two Once or Twice You sometimes pay your credit card balances in full and sometimes carry a balance from month to month Less than $500 The amount and percentage of the bill that you pay each month varies from month to month 25 0 Yes 17.25 Yes Not selected Not selected Selected Not selected Not selected Not selected Yes Yes Yes Selected Not selected Selected Not selected Not selected Not selected Not selected Not selected Yes Don't know Yes Not selected Not selected Selected Not selected Not selected Yes Yes Less Somewhat fairly Somewhat Satisfied Somewhat Satisfied No No Not Very Familiar Somewhat helpful 25 to 34 "Some college, not completed" Yes 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You could probably come up with $2000 $50K to less than $75K One Male Revolvers Selected Selected Know both interest paid and APR 1194 16528 0.41239 2 3 2011 South Landline RDD Qualified Transactors Yes One More than Six Times You always pay your credit card balances in full on all your cards 0 Don't know Yes Not selected Not selected Selected Not selected Not selected Not selected Yes Yes Yes Selected Not selected Not selected Not selected Not selected Not selected Not selected Not selected Yes Yes Don't know Selected Not selected Not selected Not selected Not selected No Yes Less Somewhat unfairly Somewhat Dissatisfied Somewhat Satisfied No Yes 1 Someone at your bank told you about it Other Somewhat Familiar Somewhat unhelpful 60 to 64 Post graduate work Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more Two Female Transactors Selected Selected Don't know APR and have no balance 1244 18347 1.10457 2 3 2011 Midwest Landline RDD Unqualified No No 25 to 34 Completed college No 1 No Not selected Selected Not selected Not selected Not selected Not selected Not selected Black/African-American (non-Hispanic) Fair Refused One Female Not selected Not Selected 1214 14940 0.54045 2 3 2011 South Landline RDD Qualified Transactors Yes Four or More More than Six Times You always pay your credit card balances in full on all your cards Don't know Don't know Yes Not selected Not selected Selected Not selected Not selected Not selected Yes No Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Don't know Yes Not selected Not selected Selected Not selected Not selected Don't know Yes The Same Neither fairly nor unfairly Neither Satisfied nor Dissatisfied Somewhat Satisfied No No Not Very Familiar Neither helpful nor unhelpful 45 to 49 Completed college Yes 5 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more Two Male Transactors Not selected Selected Don't know APR and have no balance 1181 33415 1.06447 2 3 2011 Midwest Landline RDD Qualified Transactors Yes Four or More More than Six Times You always pay your credit card balances in full on all your cards 0 Don't know Yes Selected Selected Selected Not selected Not selected Not selected Yes No Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Don't know Not selected Not selected Selected Not selected Not selected Yes Yes The Same Very fairly Somewhat Satisfied Somewhat Satisfied No Yes 1 You received something in the mail or via e-mail about the card(s) "You applied for card/cards that read/heard about and seemed attractive, but did not do a lot of comparative shopping" 1 - Not at all important 1 - Not at all important 4 4 4 3 The rewards you could earn if you continue to use the card Somewhat Familiar Somewhat unhelpful 45 to 49 Post graduate work Yes 4 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more One Male Transactors Not selected Selected Don't know APR and have no balance 1229 24780 1.06447 2 3 2011 Midwest Landline RDD Qualified Transactors Yes Two Once or Twice You always pay your credit card balances in full on all your cards 0 Yes 19 No Don't know Don't know Don't know Don't know Yes Yes Not selected Not selected Selected Not selected Not selected No No The Same Very fairly Somewhat Satisfied Somewhat Satisfied No No Not Very Familiar Neither helpful nor unhelpful 45 to 49 Post graduate work Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more One Male Transactors Not selected Selected Know APR and have no balance 1239 15878 0.86529 2 3 2011 South Landline RDD Unqualified No Yes Other 85 or older Completed high school No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent Under $15K One Female Not selected Not Selected 1278 26811 0.94443 2 3 2011 West Landline RDD Unqualified No Yes You decided to close the account and make purchases in other ways such as with a debit card 25 to 34 Completed college No 7 Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Hispanic Fair Under $15K One Male Not selected Not Selected 1152 30684 0.71738 2 3 2011 South Landline RDD Qualified Revolvers - large balance Yes Two More than Six Times You usually carry a balance from month to month on at least one of your cards $4000 to $4999 The amount and percentage of the bill that you pay each month varies from month to month Don't know 0 Yes 14.5 Yes Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Not selected Selected Not selected Yes Yes Yes Not selected Not selected Selected Not selected Not selected No Yes The Same Somewhat fairly Somewhat Dissatisfied Somewhat Dissatisfied No No Not at all Familiar 60 to 64 "Some college, not completed" No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $25K to less than $30K One Male Revolvers Not selected Selected Know APR but not interest paid 1222 26948 0.81225 2 3 2011 Midwest Landline RDD Qualified Transactors Yes One Five or Six Times You always pay your credit card balances in full on all your cards 35 Don't know No Yes Don't know Yes Not selected Not selected Selected Not selected Not selected Not selected Not selected Not selected Yes Don't know Yes Selected Not selected Not selected Not selected Not selected Yes Yes The Same Very unfairly Extremely Dissatisfied Extremely Dissatisfied No No Somewhat Familiar Very helpful 50 to 54 Post graduate work Yes 2 Yes Selected Not selected Not selected Not selected Not selected Not selected Not selected Hispanic Excellent No You are certain you could come up with the full $2000 $50K to less than $75K One Female Transactors Selected Selected Don't know APR and have no balance 1261 27030 1.0188 2 3 2011 Midwest Landline RDD Qualified Revolvers - small balance Yes Two Once or Twice You sometimes pay your credit card balances in full and sometimes carry a balance from month to month Less than $500 You usually pay the same AMOUNT each month Don't know Don't know Yes 24.9 No No No No No Yes No Not selected Not selected Selected Not selected Not selected No No Less Somewhat fairly Somewhat Dissatisfied Neither Satisfied nor Dissatisfied No No Not at all Familiar 25 to 34 Completed college No 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair No You are certain you could come up with the full $2000 $25K to less than $30K One Female Revolvers Not selected Selected Know APR but not interest paid 1328 24540 0.85431 2 3 2011 South Landline RDD Unqualified No No 55 to 59 Completed high school No 1 Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Hispanic Poor Under $15K One Male Not selected Not Selected 1243 19134 0.36331 2 3 2011 South Landline RDD Qualified Revolvers - small balance Yes Four or More Five or Six Times You usually carry a balance from month to month on at least one of your cards $500 to $999 Refused 50 0 Yes 0 Yes Not selected Not selected Not selected Not selected Selected Not selected Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Don't know Yes Yes Not selected Not selected Selected Not selected Not selected Yes Yes More Very fairly Extremely Satisfied Extremely Satisfied No No Very Familiar Very helpful 75 to 84 "Some college, not completed" Yes 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 Refused Two Female Revolvers Not selected Selected Know both interest paid and APR 1340 22570 0.9082 2 3 2011 West Landline RDD Unqualified No No 85 or older Completed high school No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair Refused One Female Not selected Not Selected 1346 17449 1.0309 2 3 2011 West Landline RDD Unqualified No No 60 to 64 Completed high school Yes 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Don't know $15K to less than $20K One Female Not selected Not Selected 1273 15978 0.75295 2 3 2011 West Landline RDD Qualified Revolvers - medium balance Yes One Once or Twice You sometimes pay your credit card balances in full and sometimes carry a balance from month to month $2000 to $2999 You usually pay the same AMOUNT each month 40 0 Yes 7.9 Yes Selected Selected Not selected Not selected Not selected Not selected Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Yes Selected Not selected Not selected Not selected Not selected Yes Yes More Very fairly Somewhat Satisfied Somewhat Dissatisfied No No Somewhat Familiar Very helpful 50 to 54 "Some college, not completed" Yes 4 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more One Male Revolvers Not selected Selected Know both interest paid and APR 1341 16656 0.89121 2 3 2011 West Landline RDD Unqualified No No Under 25 Completed grade school or less No 6 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Don't know Don't know Two Female Not selected Not Selected 1348 21579 0.94443 2 3 2011 West Landline RDD Unqualified No No Under 25 "Some college, not completed" No 4 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Refused $75K to less than $100K One Male Not selected Not Selected 1283 25335 0.38132 2 3 2011 West Landline RDD Qualified Revolvers - small balance Yes Three Once or Twice You sometimes pay your credit card balances in full and sometimes carry a balance from month to month Less than $500 The amount and percentage of the bill that you pay each month varies from month to month 40 0 Yes 7 Yes Not selected Not selected Selected Not selected Not selected Not selected Yes Don't know Don't know Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Don't know Don't know Not selected Not selected Selected Not selected Not selected No No The Same Neither fairly nor unfairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No No Somewhat Familiar Neither helpful nor unhelpful Refused Post graduate work No 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No Refused Refused Two Female Revolvers Not selected Selected Know both interest paid and APR 1303 17340 1.30432 2 3 2011 West Landline RDD Qualified Revolvers - large balance Yes Four or More Three or Four Times You usually carry a balance from month to month on at least one of your cards $5000 or more The amount and percentage of the bill that you pay each month varies from month to month 1000 0 Yes 10 Yes Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Don't know Don't know Not selected Not selected Selected Not selected Not selected No No The Same Neither fairly nor unfairly Somewhat Dissatisfied Neither Satisfied nor Dissatisfied No No Not at all Familiar 45 to 49 "Some college, not completed" No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $75K to less than $100K One Female Revolvers Not selected Selected Know both interest paid and APR 1378 14418 0.93855 2 3 2011 West Landline RDD Unqualified No Yes You closed some accounts and other accounts were closed by the bank 60 to 64 "Some college, not completed" No 2 No Selected Selected Selected Not selected Not selected Not selected Not selected Other (non-Hispanic) Poor $25K to less than $30K One Female Not selected Not Selected 1387 25997 0.78994 2 3 2011 West Landline RDD Unqualified No Yes You decided to close the account and make purchases in other ways such as with a debit card 70 to 74 Completed high school Yes 2 Yes Selected Not selected Not selected Not selected Not selected Not selected Not selected Hispanic Good Under $15K One Male Not selected Not Selected 1448 17660 0.37816 2 3 2011 West Landline RDD Unqualified Yes One You do not use any of your general purpose credit cards No 45 to 49 Completed college No 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Poor $50K to less than $75K Three or more Male Not selected Not Selected 1420 16280 1.23601 2 3 2011 West Landline RDD Qualified Revolvers - large balance Yes Four or More You do not use any of your general purpose credit cards Yes $5000 or more You usually pay the same AMOUNT each month 7000 Don't know Yes 31.99 Yes Selected Not selected Not selected Not selected Not selected Not selected Yes Yes Yes Not selected Not selected Selected Not selected Not selected Not selected Not selected Not selected Yes Yes Yes Not selected Not selected Selected Not selected Not selected Yes Yes Less Somewhat fairly Somewhat Satisfied Somewhat Satisfied No No Somewhat Familiar Somewhat helpful 55 to 59 "Some high school, not completed" Yes 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Poor Yes You are certain you could NOT raise the full $2000 $40K to less than $50K One Male Revolvers Selected Selected Know both interest paid and APR 1473 25208 1.55328 2 3 2011 West Landline RDD Unqualified No No 45 to 49 Completed high school Yes 10 Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Hispanic Good $100K or more One Female Not selected Not Selected 1413 23767 1.13449 2 3 2011 West Landline RDD Qualified Revolvers - large balance Yes Four or More More than Six Times You sometimes pay your credit card balances in full and sometimes carry a balance from month to month $5000 or more The amount and percentage of the bill that you pay each month varies from month to month Don't know Don't know Don't know Yes Not selected Not selected Selected Not selected Not selected Not selected No No No No Yes Don't know Not selected Selected Not selected Not selected Not selected Yes No The Same Very fairly Extremely Satisfied Extremely Satisfied No No Not Very Familiar Don't know 45 to 49 "Some college, not completed" Yes 4 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $75K to less than $100K One Male Revolvers Not selected Selected Know neither interest paid nor APR 1425 25107 0.66333 2 3 2011 West Landline RDD Qualified Transactors Yes Four or More More than Six Times You always pay your credit card balances in full on all your cards 0 Yes 0 Yes Selected Selected Selected Not selected Not selected Not selected Yes Don't know Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Yes Selected Not selected Not selected Not selected Not selected Yes Yes The Same Neither fairly nor unfairly Extremely Dissatisfied Neither Satisfied nor Dissatisfied No No Somewhat Familiar Very helpful 65 to 69 Completed college No 1 No Selected Not selected Selected Not selected Not selected Not selected Not selected Other (non-Hispanic) Good No You are certain you could come up with the full $2000 $30K to less than $40K One Male Transactors Not selected Selected Know APR and have no balance 1492 16552 0.76263 2 3 2011 West Landline RDD Unqualified No No 65 to 69 "Some college, not completed" No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good Under $15K One Female Not selected Not Selected 1491 15001 0.39497 2 3 2011 West Landline RDD Unqualified No Yes You fell behind on your payments and the bank closed your account 70 to 74 Completed high school Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair $20K to less than $25K Two Male Not selected Not Selected 1513 21388 0.9082 2 3 2011 West Landline RDD Unqualified No No 65 to 69 Completed high school No 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Don't know Refused One Female Not selected Not Selected 1453 26674 0.43284 2 3 2011 West Landline RDD Qualified Revolvers - large balance Yes Three More than Six Times You usually carry a balance from month to month on at least one of your cards $5000 or more You usually pay the same PERCENTAGE of the bill each month 200 20 Yes 9 No No No Yes Selected Selected Not selected Not selected Not selected Not selected Not selected Not selected Yes Yes No Selected Not selected Not selected Not selected Not selected Yes Yes The Same Neither fairly nor unfairly Somewhat Satisfied Neither Satisfied nor Dissatisfied No No Somewhat Familiar Somewhat helpful 50 to 54 Post graduate work Yes 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You are certain you could come up with the full $2000 $100K or more Two Female Revolvers Selected Selected Know both interest paid and APR 1465 24256 0.43284 2 3 2011 West Landline RDD Qualified Transactors Yes One More than Six Times You always pay your credit card balances in full on all your cards 0 Yes 9.7 No Yes Don't know Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Don't know Not selected Not selected Selected Not selected Not selected Yes Yes The Same Neither fairly nor unfairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No No Somewhat Familiar Somewhat helpful 55 to 59 Completed college No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 Refused Two Female Transactors Not selected Selected Know APR and have no balance 1576 28671 0.82683 2 3 2011 West Landline RDD Unqualified No Yes You closed some accounts and other accounts were closed by the bank 65 to 69 "Some college, not completed" No 1 No Not selected Selected Not selected Not selected Not selected Not selected Not selected Black/African-American (non-Hispanic) Poor $15K to less than $20K One Female Not selected Not Selected 1581 19665 0.51776 2 3 2011 West Landline RDD Unqualified No No 45 to 49 Completed high school No 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent Refused Three or more Female Not selected Not Selected 1508 23481 0.76263 2 3 2011 West Landline RDD Qualified Transactors Yes Three Five or Six Times You always pay your credit card balances in full on all your cards 0 Don't know No Don't know Don't know Don't know Don't know Yes Don't know Not selected Not selected Selected Not selected Not selected No No The Same Neither fairly nor unfairly Neither Satisfied nor Dissatisfied Don't know No No Not at all Familiar 70 to 74 "Some college, not completed" No 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You could probably come up with $2000 Under $15K One Female Transactors Not selected Selected Don't know APR and have no balance 1590 14935 0.9082 2 3 2011 West Landline RDD Unqualified No Yes Other 75 to 84 Completed high school Refused 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent Don't know One Female Not selected Not Selected 1582 32615 1.21937 2 3 2011 West Landline RDD Unqualified No No Under 25 Completed high school No 3 No Not selected Selected Not selected Not selected Not selected Not selected Not selected Black/African-American (non-Hispanic) Fair Under $15K Don't know Male Not selected Not Selected 1615 30150 0.51546 2 3 2011 West Landline RDD Unqualified No Yes You decided to close the account and make purchases in other ways such as with a debit card 55 to 59 Completed high school No 2 Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Hispanic Good $15K to less than $20K Two Female Not selected Not Selected 1561 19605 0.94443 2 3 2011 West Landline RDD Qualified Revolvers - medium balance Yes Two Once or Twice You sometimes pay your credit card balances in full and sometimes carry a balance from month to month $1000 to $1999 The amount and percentage of the bill that you pay each month varies from month to month 200 0 Yes 10.1 No Yes No Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes No Not selected Selected Not selected Not selected Not selected Yes No More Somewhat fairly Somewhat Satisfied Somewhat Satisfied No No Not Very Familiar Somewhat helpful 25 to 34 "Some college, not completed" No 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair Yes You could probably come up with $2000 $25K to less than $30K One Male Revolvers Not selected Selected Know both interest paid and APR 1498 16176 1.21937 2 3 2011 West Landline RDD Qualified Revolvers - small balance Yes Two You do not use any of your general purpose credit cards Yes Less than $500 The amount and percentage of the bill that you pay each month varies from month to month Don't know 120 Don't know No Yes Yes Yes Selected Not selected Selected Not selected Not selected Not selected Not selected Not selected No Yes No Not selected Not selected Selected Not selected Not selected No No Less Somewhat fairly Extremely Dissatisfied Somewhat Dissatisfied No Yes 2 You received something in the mail or via e-mail about the card(s) "You applied for card/cards that read/heard about and seemed attractive, but did not do a lot of comparative shopping" 2 3 1 - Not at all important 3 4 4 The fees charged on the card Not Very Familiar Somewhat unhelpful Under 25 Completed high school Yes 3 No Not selected Selected Not selected Not selected Not selected Not selected Not selected Black/African-American (non-Hispanic) Fair No You could probably come up with $2000 $50K to less than $75K One Male Revolvers Selected Selected Know neither interest paid nor APR 1564 28467 0.9082 2 3 2011 West Landline RDD Qualified Transactors Yes Three More than Six Times You always pay your credit card balances in full on all your cards 13 Don't know No Yes Yes No Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Don't know Not selected Not selected Selected Not selected Not selected Don't know Yes The Same Very fairly Extremely Satisfied Extremely Satisfied No No Not at all Familiar 75 to 84 Completed high school No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 Refused One Female Transactors Not selected Selected Don't know APR and have no balance 1637 28008 0.77517 2 3 2011 West Landline RDD Unqualified No No Under 25 "Some high school, not completed" No 4 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Don't know $50K to less than $75K Two Male Not selected Not Selected 1584 30434 0.37648 2 3 2011 West Landline RDD Qualified Revolvers - medium balance Yes Two Five or Six Times You usually carry a balance from month to month on at least one of your cards $1000 to $1999 You usually pay the same AMOUNT each month Don't know 0 Yes 11.8 Yes Selected Not selected Not selected Not selected Not selected Not selected Yes No Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Don't know Not selected Not selected Selected Not selected Not selected Yes Yes The Same Somewhat fairly Somewhat Satisfied Somewhat Satisfied No No Somewhat Familiar Very helpful 55 to 59 "Some college, not completed" Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more Two Male Revolvers Not selected Selected Know APR but not interest paid 1604 15335 1.30432 2 3 2011 West Landline RDD Qualified Revolvers - medium balance Yes One Once or Twice You sometimes pay your credit card balances in full and sometimes carry a balance from month to month $1000 to $1999 The amount and percentage of the bill that you pay each month varies from month to month 40 0 Yes 16.9 No Yes Yes Yes Not selected Not selected Not selected Selected Not selected Not selected Not selected Not selected Yes No No Selected Not selected Not selected Not selected Not selected Yes Yes Less Very unfairly Extremely Dissatisfied Extremely Dissatisfied No No Not at all Familiar 35 to 44 Post graduate work No 4 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You could probably come up with $2000 $50K to less than $75K One Female Revolvers Not selected Selected Know both interest paid and APR 1668 15587 1.30432 2 3 2011 West Landline RDD Unqualified No Yes You decided to close the account and make purchases in other ways such as with a debit card 45 to 49 Post graduate work Yes 5 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent $100K or more One Female Not selected Not Selected 1686 25804 1.08581 2 3 2011 West Landline RDD Unqualified No No 25 to 34 "Some college, not completed" No 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair Under $15K One Female Not selected Not Selected 1643 24382 1.12469 2 3 2011 West Landline RDD Unqualified No No Under 25 Completed high school No 7 Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Hispanic Good $50K to less than $75K One Male Not selected Not Selected 1616 24374 0.75295 2 3 2011 West Landline RDD Qualified Revolvers - large balance Yes One Once or Twice You sometimes pay your credit card balances in full and sometimes carry a balance from month to month $4000 to $4999 The amount and percentage of the bill that you pay each month varies from month to month Don't know Don't know Yes 14 No Yes Yes Yes Not selected Selected Selected Not selected Not selected Not selected Not selected Not selected Yes Yes Don't know Not selected Not selected Selected Not selected Not selected No Yes Less Somewhat fairly Neither Satisfied nor Dissatisfied Somewhat Satisfied No No Not at all Familiar 50 to 54 "Some college, not completed" Yes 4 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You could probably NOT come up with $2000 $75K to less than $100K One Male Revolvers Selected Selected Know APR but not interest paid 1639 28425 1.0309 2 3 2011 West Landline RDD Unqualified Yes One You do not use any of your general purpose credit cards No 60 to 64 Completed high school No 1 No Selected Not selected Not selected Not selected Selected Not selected Not selected Other (non-Hispanic) Excellent $20K to less than $25K One Female Not selected Not Selected 1622 24678 0.37648 2 3 2011 West Landline RDD Qualified Transactors Yes Four or More More than Six Times You always pay your credit card balances in full on all your cards 0 Yes 16 Yes Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Yes Not selected Selected Not selected Not selected Not selected Not selected Not selected Not selected Yes No No Selected Not selected Not selected Not selected Not selected No No Less Very unfairly Extremely Dissatisfied Extremely Dissatisfied No No Not at all Familiar 50 to 54 "Some college, not completed" No 1 No Selected Not selected Selected Not selected Not selected Not selected Not selected Other (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $30K to less than $40K Two Male Transactors Selected Selected Know APR and have no balance 1681 26545 0.9082 2 3 2011 West Landline RDD Unqualified No Yes Other 85 or older Completed high school No 1 No Selected Not selected Selected Not selected Not selected Not selected Not selected Other (non-Hispanic) Good Don't know One Female Not selected Not Selected 1674 18957 1.13449 2 3 2011 West Landline RDD Qualified Transactors Yes Two Five or Six Times You always pay your credit card balances in full on all your cards 30 Yes 19.99 Yes Not selected Not selected Selected Not selected Not selected Not selected No No No No Yes No Selected Not selected Not selected Not selected Not selected No No Less Somewhat unfairly Somewhat Dissatisfied Somewhat Dissatisfied No No Somewhat Familiar Neither helpful nor unhelpful 35 to 44 Post graduate work No 3 Yes Selected Not selected Selected Not selected Not selected Not selected Not selected Hispanic Excellent No You are certain you could come up with the full $2000 $100K or more One Male Transactors Not selected Selected Know APR and have no balance 1653 31260 0.86567 2 3 2011 West Landline RDD Qualified Transactors Yes Two More than Six Times You always pay your credit card balances in full on all your cards 0 Don't know Yes Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Yes Not selected Not selected Selected Not selected Not selected Yes Yes The Same Very fairly Extremely Satisfied Neither Satisfied nor Dissatisfied No No Somewhat Familiar Somewhat helpful 60 to 64 "Some college, not completed" Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $50K to less than $75K One Female Transactors Not selected Selected Don't know APR and have no balance 1677 14267 0.86567 2 3 2011 West Landline RDD Qualified Revolvers - large balance Yes Three Once or Twice You sometimes pay your credit card balances in full and sometimes carry a balance from month to month $5000 or more The amount and percentage of the bill that you pay each month varies from month to month Don't know 0 Yes 17 No Yes Yes Yes Not selected Not selected Not selected Selected Not selected Not selected Not selected Not selected Don't know Yes Don't know Not selected Not selected Selected Not selected Not selected Yes Yes Less Very fairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No No Not at all Familiar 60 to 64 "Some college, not completed" No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You are certain you could come up with the full $2000 $30K to less than $40K One Female Revolvers Not selected Selected Know APR but not interest paid 1688 29156 0.66333 2 3 2011 West Landline RDD Qualified Transactors Yes One Once or Twice You always pay your credit card balances in full on all your cards 0 Yes 0 No Yes No No Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected Yes Yes The Same Somewhat fairly Somewhat Dissatisfied Somewhat Dissatisfied Yes No Not Very Familiar Neither helpful nor unhelpful 75 to 84 "Some college, not completed" Yes 2 Yes Selected Not selected Not selected Not selected Not selected Not selected Not selected Hispanic Excellent No You are certain you could come up with the full $2000 $50K to less than $75K One Male Transactors Not selected Selected Know APR and have no balance 1696 20829 0.37648 2 3 2011 West Landline RDD Qualified Revolvers - small balance Yes Two More than Six Times You usually carry a balance from month to month on at least one of your cards $500 to $999 The amount and percentage of the bill that you pay each month varies from month to month Don't know 0 Yes 0.07 No Yes No Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Don't know Not selected Not selected Selected Not selected Not selected No No Less Neither fairly nor unfairly Somewhat Dissatisfied Neither Satisfied nor Dissatisfied No No Somewhat Familiar Somewhat helpful 55 to 59 Completed college Yes 5 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more Two Male Revolvers Not selected Selected Know APR but not interest paid 1739 17688 0.76263 2 3 2011 West Landline RDD Qualified Transactors Yes Four or More More than Six Times You always pay your credit card balances in full on all your cards 0 Don't know Yes Not selected Not selected Selected Not selected Not selected Not selected No No Don't know Yes Yes No Selected Not selected Not selected Not selected Not selected No No The Same Neither fairly nor unfairly Extremely Dissatisfied Somewhat Dissatisfied No Yes 1 You received something in the mail or via e-mail about the card(s) "You applied for card/cards that read/heard about and seemed attractive, but did not do a lot of comparative shopping" 1 - Not at all important 1 - Not at all important 5 - Extremely Important 5 - Extremely Important 5 - Extremely Important 1 - Not at all important The bonus you could earn by applying or by making a few purchases Not Very Familiar Neither helpful nor unhelpful 65 to 69 Post graduate work Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 Refused One Female Transactors Not selected Selected Don't know APR and have no balance 1731 19926 0.37648 2 3 2011 West Landline RDD Qualified Transactors Yes Four or More More than Six Times You always pay your credit card balances in full on all your cards 120 Don't know Yes Not selected Not selected Not selected Selected Not selected Not selected Don't know No Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Don't know Yes Don't know Not selected Not selected Selected Not selected Not selected No No Less Very fairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No Yes 2 You received something in the mail or via e-mail about the card(s) Other Somewhat Familiar Neither helpful nor unhelpful 60 to 64 Completed college Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more Two Male Transactors Not selected Selected Don't know APR and have no balance 86 29102 1.03451 2 4 2011 South Landline RDD Unqualified No No Under 25 "Some college, not completed" No 4 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair $50K to less than $75K One Female Not selected Not Selected 3 25893 0.82812 2 4 2011 Northeast Landline RDD Qualified Transactors Yes One More than Six Times You always pay your credit card balances in full on all your cards 0 Yes 12 No No Don't know No Yes No No Not selected Not selected Selected Not selected Not selected Yes Yes Don't know Neither fairly nor unfairly Somewhat Dissatisfied Somewhat Dissatisfied No No Not at all Familiar 65 to 69 Completed high school Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $50K to less than $75K One Male Transactors Not selected Selected Know APR and have no balance 192 30904 0.7266 2 4 2011 South Landline RDD Unqualified No Yes You decided to close the account and make purchases in other ways such as with a debit card 75 to 84 Completed college Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good Refused One Female Not selected Not Selected 1806 17061 0.59638 2 4 2011 South Landline RDD Unqualified No No 65 to 69 Completed grade school or less No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent $15K to less than $20K Two Female Not selected Not Selected 58 31680 0.85215 2 4 2011 Midwest Landline RDD Qualified Revolvers - small balance Yes Two Once or Twice You usually carry a balance from month to month on at least one of your cards $500 to $999 You usually pay the same AMOUNT each month 100 50 Yes 19 Yes Not selected Not selected Not selected Selected Not selected Not selected Yes No Yes Selected Selected Selected Selected Not selected Not selected Not selected Not selected Yes Yes Yes Selected Selected Not selected Not selected Not selected Yes No The Same Very fairly Somewhat Satisfied Neither Satisfied nor Dissatisfied No No Not Very Familiar Neither helpful nor unhelpful 65 to 69 Completed high school No 6 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $25K to less than $30K One Female Revolvers Selected Selected Know both interest paid and APR 1791 21516 0.74119 2 4 2011 Midwest Landline RDD Qualified Transactors Yes Three Once or Twice You always pay your credit card balances in full on all your cards 0 Don't know No Don't know Don't know Don't know Don't know Don't know Don't know Don't know Yes The Same Very fairly Somewhat Satisfied Somewhat Satisfied No No Not Very Familiar Neither helpful nor unhelpful 65 to 69 Completed high school Yes 2 No Not selected Not selected Not selected Not selected Not selected Not selected Selected Other (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $25K to less than $30K One Male Transactors Not selected Selected Don't know APR and have no balance 1789 19626 0.82478 2 4 2011 South Landline RDD Qualified Revolvers - medium balance Yes One Once or Twice You sometimes pay your credit card balances in full and sometimes carry a balance from month to month $2000 to $2999 The amount and percentage of the bill that you pay each month varies from month to month 100 0 Yes 5 No No No Yes Not selected Selected Not selected Not selected Not selected Not selected Not selected Not selected Yes Yes No Selected Not selected Not selected Not selected Not selected No No The Same Very fairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No No Not at all Familiar 55 to 59 "Some college, not completed" Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You could probably come up with $2000 $50K to less than $75K One Female Revolvers Selected Selected Know both interest paid and APR 1785 23133 1.03451 2 4 2011 South Landline RDD Qualified Revolvers - medium balance Yes Four or More You do not use any of your general purpose credit cards Yes $1000 to $1999 You usually pay only the MINIMUM AMOUNT due each month Don't know 100 Yes 25 No No No Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected No Yes No Not selected Not selected Selected Not selected Not selected Yes No Less Very unfairly Extremely Dissatisfied Somewhat Dissatisfied No No Not at all Familiar 25 to 34 Completed college No 5 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair No You could probably NOT come up with $2000 $75K to less than $100K One Female Revolvers Not selected Selected Know APR but not interest paid 1834 15332 0.95209 2 4 2011 Northeast Landline RDD Unqualified No No 85 or older Completed high school No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent Under $15K One Female Not selected Not Selected 1805 29275 1.69821 2 4 2011 South Landline RDD Qualified Transactors Yes Two More than Six Times You always pay your credit card balances in full on all your cards 60 Don't know No Yes No Yes Not selected Not selected Selected Not selected Not selected Not selected Not selected Not selected No No No Yes Yes Less Somewhat unfairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No No Not Very Familiar Very unhelpful 25 to 34 "Some high school, not completed" No 4 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Poor Yes You are certain you could NOT raise the full $2000 Under $15K One Female Transactors Selected Selected Don't know APR and have no balance 1835 28760 1.13829 2 4 2011 Northeast Landline RDD Unqualified Yes Three You do not use any of your general purpose credit cards No 25 to 34 Completed college Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent $75K to less than $100K One Female Not selected Not Selected 1824 31582 0.63199 2 4 2011 South Landline RDD Qualified Revolvers - medium balance Yes Two Once or Twice You sometimes pay your credit card balances in full and sometimes carry a balance from month to month $2000 to $2999 You usually pay the same AMOUNT each month Don't know 0 Don't know Yes Not selected Not selected Not selected Not selected Selected Not selected Don't know No Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes No Selected Not selected Not selected Not selected Not selected No No Less Very unfairly Somewhat Dissatisfied Neither Satisfied nor Dissatisfied No No Not Very Familiar Neither helpful nor unhelpful 70 to 74 Post graduate work Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more One Male Revolvers Not selected Selected Know neither interest paid nor APR 1877 27949 0.62136 2 4 2011 South Landline RDD Unqualified No Yes You decided to close the account and make purchases in other ways such as with a debit card 35 to 44 Post graduate work Yes 4 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Poor $75K to less than $100K Two Female Not selected Not Selected 1807 32035 1.13829 2 4 2011 Northeast Landline RDD Qualified Revolvers - large balance Yes Four or More More than Six Times You usually carry a balance from month to month on at least one of your cards $5000 or more The amount and percentage of the bill that you pay each month varies from month to month 0 100 Yes 0 No Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected No Yes The Same Very fairly Extremely Satisfied Extremely Satisfied Yes Yes 1 You saw an advertisement on the Internet "You applied for card/cards that read/heard about and seemed attractive, but did not do a lot of comparative shopping" 5 - Extremely important 3 2 2 3 1 - Not at all important The introductory interest rate on balance transfers and/or purchases Not at all Familiar 25 to 34 Completed college No 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $50K to less than $75K One Female Revolvers Not selected Selected Know both interest paid and APR 406 32224 1.45743 2 4 2011 Midwest Landline RDD Unqualified No No 35 to 44 Completed high school No 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent $25K to less than $30K One Female Not selected Not Selected 1844 19240 0.64361 2 4 2011 South Landline RDD Qualified Yes One Once or Twice You usually carry a balance from month to month on at least one of your cards Don't know You usually pay only the MINIMUM AMOUNT due each month Don't know 0 Don't know Yes Selected Not selected Not selected Not selected Not selected Not selected Yes Yes Yes Not selected Not selected Not selected Selected Not selected Not selected Not selected Not selected No Yes No Not selected Not selected Selected Not selected Not selected Yes No The Same Somewhat fairly Somewhat Dissatisfied Somewhat Dissatisfied No No Not Very Familiar Somewhat helpful 35 to 44 Completed high school Yes 5 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair Yes You are certain you could NOT raise the full $2000 $50K to less than $75K Two Male Not selected Selected Know neither interest paid nor APR 1830 18832 0.81225 2 4 2011 Midwest Landline RDD Qualified Revolvers - large balance Yes Four or More Three or Four Times Other $5000 or more You usually pay only the MINIMUM AMOUNT due each month 200 20 Yes 29 No No No Yes Selected Not selected Not selected Not selected Not selected Not selected Not selected Not selected Yes Yes Yes Selected Not selected Not selected Not selected Not selected Yes No Less Very unfairly Extremely Dissatisfied Extremely Dissatisfied No No Somewhat Familiar Somewhat helpful 60 to 64 "Some college, not completed" Yes 3 No Selected Not selected Selected Not selected Not selected Not selected Not selected Other (non-Hispanic) Fair Yes You are certain you could NOT raise the full $2000 $50K to less than $75K One Female Revolvers Selected Selected Know both interest paid and APR 481 31569 1.26765 2 4 2011 Midwest Landline RDD Unqualified No Yes Other 45 to 49 Completed high school Yes 5 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair $15K to less than $20K One Male Not selected Not Selected 1871 21523 1.4799 2 4 2011 South Landline RDD Qualified Transactors Yes Two More than Six Times You always pay your credit card balances in full on all your cards 0 Don't know Yes Selected Selected Selected Not selected Not selected Not selected Yes Don't know Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Yes Not selected Selected Not selected Not selected Not selected Yes Yes More Somewhat fairly Extremely Dissatisfied Neither Satisfied nor Dissatisfied No No Somewhat Familiar Somewhat helpful 35 to 44 Completed high school Yes 4 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $40K to less than $50K One Female Transactors Not selected Selected Don't know APR and have no balance 1904 22403 0.45579 2 4 2011 Northeast Landline RDD Unqualified No No 35 to 44 "Some college, not completed" Yes 7 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Poor $50K to less than $75K Three or more Female Not selected Not Selected 1878 30170 1.2427 2 4 2011 South Landline RDD Qualified Yes Three More than Six Times You sometimes pay your credit card balances in full and sometimes carry a balance from month to month Refused The amount and percentage of the bill that you pay each month varies from month to month Don't know 0 Don't know Yes Selected Not selected Not selected Not selected Not selected Not selected Yes Yes Yes Not selected Not selected Not selected Selected Not selected Not selected Not selected Not selected Yes No Don't know Not selected Not selected Selected Not selected Not selected Don't know Don't know The Same Neither fairly nor unfairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied Yes No Somewhat Familiar Somewhat helpful 35 to 44 Completed college Yes 4 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You could probably NOT come up with $2000 $75K to less than $100K One Female Not selected Selected Know neither interest paid nor APR 1885 16981 1.06447 2 4 2011 Midwest Landline RDD Qualified Transactors Yes Two More than Six Times You always pay your credit card balances in full on all your cards 55 Yes 0 No Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes No No Not selected Not selected Selected Not selected Not selected No Don't know The Same Very fairly Extremely Satisfied Extremely Satisfied No No Very Familiar Neither helpful nor unhelpful 35 to 44 Post graduate work Yes 4 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more One Male Transactors Not selected Selected Know APR and have no balance 1910 31754 0.71738 2 4 2011 South Landline RDD Unqualified No No 55 to 59 Completed college Yes 2 No Not selected Not selected Selected Not selected Not selected Not selected Not selected American Indian or Alaska Native (non-Hispanic) Don't know $75K to less than $100K One Male Not selected Not Selected 1915 30555 0.28843 2 4 2011 South Landline RDD Unqualified No Yes You decided to close the account and make purchases in other ways such as with a debit card 70 to 74 Completed high school No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Don't know $20K to less than $25K Three or more Female Not selected Not Selected 1914 28418 0.92389 2 4 2011 Midwest Landline RDD Unqualified No No 70 to 74 Completed high school No 1 No Not selected Selected Selected Not selected Not selected Not selected Not selected Other (non-Hispanic) Poor Under $15K One Female Not selected Not Selected 1918 20885 0.64361 2 4 2011 South Landline RDD Unqualified Yes Two You do not use any of your general purpose credit cards No 45 to 49 Completed high school No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent $50K to less than $75K Two Male Not selected Not Selected 553 26587 1.14152 2 4 2011 Northeast Landline RDD Unqualified No Yes Other 65 to 69 "Some high school, not completed" No 7 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Poor $15K to less than $20K One Male Not selected Not Selected 1894 31648 0.71738 2 4 2011 South Landline RDD Qualified Transactors Yes Two More than Six Times You always pay your credit card balances in full on all your cards 95 Yes 10 No Yes No Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes No Selected Not selected Not selected Not selected Not selected Yes Yes Less Somewhat fairly Extremely Dissatisfied Neither Satisfied nor Dissatisfied No Yes 2 Someone at your bank told you about it "You applied for card/cards that read/heard about and seemed attractive, but did not do a lot of comparative shopping" 2 5 - Extremely Important 4 4 5 - Extremely Important 5 - Extremely Important Other factors Somewhat Familiar Somewhat helpful 50 to 54 Post graduate work Yes 5 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more One Male Transactors Not selected Selected Know APR and have no balance 1903 24122 1.06447 2 4 2011 Midwest Landline RDD Qualified Revolvers - medium balance Yes Two Once or Twice You sometimes pay your credit card balances in full and sometimes carry a balance from month to month $1000 to $1999 You usually pay the same AMOUNT each month 400 60 Yes 0.18 Yes Not selected Not selected Selected Not selected Not selected Not selected Yes Yes Don't know Not selected Not selected Selected Not selected Not selected Not selected Not selected Not selected Yes Yes No Selected Not selected Not selected Not selected Not selected Yes Yes More Very fairly Somewhat Dissatisfied Somewhat Dissatisfied No No Not at all Familiar 45 to 49 "Some college, not completed" Yes 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You could probably come up with $2000 $50K to less than $75K One Male Revolvers Selected Selected Know both interest paid and APR 651 23771 0.2665 2 4 2011 Northeast Landline RDD Unqualified Yes One You do not use any of your general purpose credit cards No 85 or older Post graduate work No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent $50K to less than $75K Three or more Female Not selected Not Selected 657 32468 0.63199 2 4 2011 South Landline RDD Unqualified No No Refused Refused No Refused No Not selected Not selected Not selected Not selected Not selected Selected Not selected Other (non-Hispanic) Fair Refused Refused Male Not selected Not Selected 1935 33650 0.63199 2 4 2011 South Landline RDD Qualified Transactors Yes Two Once or Twice You always pay your credit card balances in full on all your cards 0 Don't know Yes Not selected Selected Not selected Not selected Not selected Not selected Yes Don't know Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Don't know No Selected Not selected Not selected Not selected Not selected No No Less Neither fairly nor unfairly Extremely Dissatisfied Extremely Dissatisfied No No Not Very Familiar Very unhelpful 65 to 69 Post graduate work Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more One Male Transactors Not selected Selected Don't know APR and have no balance 760 19190 0.79949 2 4 2011 Northeast Landline RDD Unqualified No No 65 to 69 Completed college No 2 No Not selected Not selected Selected Not selected Not selected Not selected Not selected American Indian or Alaska Native (non-Hispanic) Excellent Under $15K One Female Not selected Not Selected 774 22958 1.23197 2 4 2011 South Landline RDD Unqualified No No Under 25 Completed high school No 4 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good Under $15K One Female Not selected Not Selected 1979 29826 0.31334 2 4 2011 Northeast Landline RDD Unqualified No No 50 to 54 Completed high school Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent $50K to less than $75K Three or more Male Not selected Not Selected 1944 32485 0.2665 2 4 2011 Northeast Landline RDD Qualified Transactors Yes Four or More Three or Four Times You always pay your credit card balances in full on all your cards 0 Yes 0 Yes Not selected Selected Not selected Not selected Not selected Not selected Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes No No Not selected Not selected Selected Not selected Not selected Yes Yes More Somewhat unfairly Somewhat Dissatisfied Somewhat Dissatisfied Yes No Very Familiar Very helpful 65 to 69 Completed college No 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 Don't know Three or more Female Transactors Not selected Selected Know APR and have no balance 1958 29343 1.08073 2 4 2011 Northeast Landline RDD Qualified Transactors Yes One Once or Twice You always pay your credit card balances in full on all your cards 0 Yes 15 Yes Not selected Not selected Selected Not selected Not selected Not selected No No Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected Yes Yes Less Somewhat fairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No No Not at all Familiar 50 to 54 Completed high school No 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You are certain you could come up with the full $2000 $25K to less than $30K One Female Transactors Not selected Selected Know APR and have no balance 785 32723 0.88614 2 4 2011 Midwest Landline RDD Unqualified No No Under 25 "Some college, not completed" No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent $20K to less than $25K One Male Not selected Not Selected 1968 21247 0.35482 2 4 2011 Midwest Landline RDD Qualified Transactors Yes One Once or Twice You always pay your credit card balances in full on all your cards 0 Don't know No Yes Don't know No Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected No Yes Don't know Selected Not selected Not selected Not selected Not selected Yes Yes The Same Very fairly Extremely Satisfied Extremely Satisfied No No Very Familiar Very helpful 45 to 49 Completed college Yes 4 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You are certain you could come up with the full $2000 $100K or more Three or more Male Transactors Not selected Selected Don't know APR and have no balance 1971 26658 0.85215 2 4 2011 Midwest Landline RDD Qualified Revolvers - large balance Yes Three Once or Twice You sometimes pay your credit card balances in full and sometimes carry a balance from month to month $3000 to $3999 The amount and percentage of the bill that you pay each month varies from month to month Don't know Don't know Yes 11.9 No Yes Yes Yes Not selected Not selected Selected Not selected Not selected Not selected Not selected Not selected Don't know No No Yes Yes The Same Neither fairly nor unfairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No No Not at all Familiar 65 to 69 Completed high school No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You could probably come up with $2000 $30K to less than $40K One Female Revolvers Selected Selected Know APR but not interest paid 1998 22589 0.84134 2 4 2011 Midwest Landline RDD Unqualified Yes One You do not use any of your general purpose credit cards No 60 to 64 Completed high school Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent $50K to less than $75K One Male Not selected Not Selected 2030 19839 0.88614 2 4 2011 Midwest Landline RDD Unqualified No No 25 to 34 Post graduate work Yes 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent $30K to less than $40K One Male Not selected Not Selected 2005 15188 0.70649 2 4 2011 Midwest Landline RDD Qualified Transactors Yes Four or More More than Six Times You always pay your credit card balances in full on all your cards 0 Yes 18 Yes Not selected Not selected Selected Not selected Not selected Not selected Yes Yes Yes Not selected Not selected Not selected Selected Not selected Not selected Not selected Not selected Yes Yes No Selected Not selected Not selected Not selected Not selected No Yes The Same Very fairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No Yes 1 You received something in the mail or via e-mail about the card(s) "You applied for card/cards that read/heard about and seemed attractive, but did not do a lot of comparative shopping" 1 - Not at all important 1 - Not at all important 4 4 5 - Extremely Important 3 The fees charged on the card Somewhat Familiar Somewhat helpful 55 to 59 Completed college Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $50K to less than $75K One Male Transactors Not selected Selected Know APR and have no balance 2022 17571 0.42067 2 4 2011 Midwest Landline RDD Qualified Transactors Yes Three Five or Six Times You always pay your credit card balances in full on all your cards 10 Yes 19 No Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected Yes Yes Less Very unfairly Extremely Dissatisfied Extremely Dissatisfied No No Very Familiar Somewhat helpful 50 to 54 Completed high school Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $75K to less than $100K Two Male Transactors Not selected Selected Know APR and have no balance 2019 17815 0.84134 2 4 2011 Midwest Landline RDD Qualified Transactors Yes One Once or Twice You always pay your credit card balances in full on all your cards 0 Yes 9.9 No Yes No Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected No No Less Very fairly Extremely Dissatisfied Extremely Dissatisfied No Yes 1 You received something in the mail or via e-mail about the card(s) You shopped around and compared several different cards before selecting the card(s) for which you applied Very easy 3 3 3 3 3 Don't know The permanent interest rate after the end of the introductory period Not at all Familiar 50 to 54 Completed high school No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You could probably NOT come up with $2000 $30K to less than $40K One Male Transactors Not selected Selected Know APR and have no balance 928 18241 1.06447 2 4 2011 Midwest Landline RDD Qualified Transactors Yes Two More than Six Times You always pay your credit card balances in full on all your cards 0 Yes 24 Yes Not selected Selected Not selected Not selected Not selected Not selected Yes Don't know Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes No Selected Not selected Not selected Not selected Not selected No No The Same Somewhat fairly Somewhat Dissatisfied Somewhat Dissatisfied No No Not at all Familiar 35 to 44 Completed college No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $25K to less than $30K One Male Transactors Not selected Selected Know APR and have no balance 982 25568 1.35391 2 4 2011 South Landline RDD Unqualified No Yes Other Refused Completed grade school or less Yes 5 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good Don't know One Female Not selected Not Selected 949 15959 0.86529 2 4 2011 South Landline RDD Qualified Revolvers - large balance Yes Two You do not use any of your general purpose credit cards Yes $5000 or more The amount and percentage of the bill that you pay each month varies from month to month 200 0 Yes 5.99 No Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected No Yes Yes Not selected Not selected Selected Not selected Not selected No No Less Somewhat fairly Extremely Dissatisfied Somewhat Satisfied No No Not at all Familiar 65 to 69 Completed high school Yes 2 No Selected Not selected Selected Not selected Not selected Not selected Not selected Other (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $40K to less than $50K One Female Revolvers Not selected Selected Know both interest paid and APR 902 27038 1.46789 2 4 2011 South Landline RDD Qualified Revolvers - medium balance Yes One Three or Four Times You usually carry a balance from month to month on at least one of your cards $1000 to $1999 The amount and percentage of the bill that you pay each month varies from month to month Don't know 0 Don't know No Yes Don't know Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected Yes Yes The Same Very fairly Extremely Satisfied Extremely Satisfied No No Not at all Familiar 55 to 59 "Some high school, not completed" Yes 2 No Not selected Selected Not selected Not selected Not selected Not selected Not selected Black/African-American (non-Hispanic) Good No You could probably come up with $2000 $50K to less than $75K One Female Revolvers Not selected Selected Know neither interest paid nor APR 2041 32343 1.08089 2 4 2011 South Landline RDD Qualified Revolvers - large balance Yes Two You do not use any of your general purpose credit cards Yes $5000 or more You usually pay only the MINIMUM AMOUNT due each month Don't know 100 Yes 0.17 Yes Selected Not selected Not selected Not selected Not selected Not selected Yes Yes Yes Selected Not selected Not selected Not selected Not selected Not selected Not selected Not selected Yes Yes Don't know Not selected Not selected Selected Not selected Not selected Yes Yes The Same Neither fairly nor unfairly Somewhat Satisfied Neither Satisfied nor Dissatisfied No No Somewhat Familiar Somewhat helpful 45 to 49 Post graduate work No 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair No You could probably NOT come up with $2000 $50K to less than $75K One Male Revolvers Selected Selected Know APR but not interest paid 2067 31922 1.67242 2 4 2011 Midwest Landline RDD Unqualified No No Under 25 "Some high school, not completed" No 7 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Don't know $50K to less than $75K One Female Not selected Not Selected 1049 30818 0.28477 2 4 2011 South Landline RDD Unqualified Yes Two You do not use any of your general purpose credit cards No 60 to 64 Completed high school Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Don't know $30K to less than $40K Three or more Male Not selected Not Selected 2044 25266 1.08089 2 4 2011 South Landline RDD Qualified Transactors Yes Two More than Six Times You always pay your credit card balances in full on all your cards 0 Yes 18 No Yes Yes Don't know Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Don't know Not selected Not selected Selected Not selected Not selected Yes Yes More Very fairly Extremely Satisfied Somewhat Satisfied No Yes 1 You received something in the mail or via e-mail about the card(s) "You applied for card/cards that read/heard about and seemed attractive, but did not do a lot of comparative shopping" 1 - Not at all important 2 5 - Extremely Important 5 - Extremely Important 4 Don't know The bonus you could earn by applying or by making a few purchases Not Very Familiar Somewhat helpful 35 to 44 Post graduate work Yes 4 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You could probably come up with $2000 $100K or more One Male Transactors Not selected Selected Know APR and have no balance 1010 18803 1.2427 2 4 2011 South Landline RDD Qualified Revolvers - medium balance Yes One Once or Twice You sometimes pay your credit card balances in full and sometimes carry a balance from month to month $2000 to $2999 The amount and percentage of the bill that you pay each month varies from month to month 200 0 Don't know Yes Selected Not selected Not selected Not selected Not selected Not selected Yes Yes Yes Not selected Selected Not selected Not selected Not selected Not selected Not selected Not selected Yes Yes Yes Not selected Selected Not selected Not selected Not selected Yes Yes The Same Somewhat fairly Somewhat Satisfied Somewhat Satisfied No No Somewhat Familiar Somewhat helpful 35 to 44 Post graduate work Yes 5 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more One Female Revolvers Selected Selected Know interest paid but not APR 2091 25305 1.07156 2 4 2011 South Landline RDD Unqualified No No 25 to 34 Completed high school No 3 No Selected Not selected Selected Not selected Not selected Not selected Not selected Other (non-Hispanic) Fair $75K to less than $100K One Male Not selected Not Selected 477 19493 1.18932 2 4 2011 Northeast Landline RDD Qualified Transactors Yes One Once or Twice You always pay your credit card balances in full on all your cards 0 Don't know No Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Don't know Yes Yes Not selected Not selected Selected Not selected Not selected Yes Yes Less Somewhat fairly Somewhat Dissatisfied Neither Satisfied nor Dissatisfied No No Not at all Familiar 35 to 44 "Some college, not completed" Yes 8 No Selected Not selected Selected Not selected Not selected Not selected Not selected Other (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more One Male Transactors Not selected Selected Don't know APR and have no balance 999 26023 0.63199 2 4 2011 South Landline RDD Qualified Transactors Yes Two Once or Twice You always pay your credit card balances in full on all your cards 0 Don't know No Don't know Don't know No Yes Yes Don't know Not selected Not selected Selected Not selected Not selected Yes Don't know Less Very fairly Don't know Somewhat Satisfied No No Not at all Familiar 85 or older "Some college, not completed" No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No Refused $20K to less than $25K One Male Transactors Not selected Selected Don't know APR and have no balance 2065 15977 0.81225 2 4 2011 Midwest Landline RDD Qualified Transactors Yes Four or More Once or Twice You always pay your credit card balances in full on all your cards 0 Yes 10 Yes Not selected Selected Not selected Not selected Not selected Not selected No No Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected No Yes No Selected Not selected Not selected Not selected Not selected No No The Same Very fairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No No Not at all Familiar 60 to 64 Completed college Yes 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $75K to less than $100K One Female Transactors Not selected Selected Know APR and have no balance 2064 14466 1.45743 2 4 2011 Midwest Landline RDD Qualified Revolvers - small balance Yes Two Three or Four Times You sometimes pay your credit card balances in full and sometimes carry a balance from month to month Less than $500 The amount and percentage of the bill that you pay each month varies from month to month 18 100 Yes 20 Yes Not selected Not selected Selected Not selected Not selected Not selected Yes Don't know Yes Selected Selected Not selected Selected Not selected Not selected Not selected Not selected Yes Yes No Not selected Selected Not selected Not selected Not selected No Yes The Same Very fairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No No Somewhat Familiar Neither helpful nor unhelpful 35 to 44 Completed high school Yes 5 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair No You could probably come up with $2000 $50K to less than $75K One Female Revolvers Selected Selected Know both interest paid and APR 2086 17119 0.85431 2 4 2011 South Landline RDD Qualified Revolvers - medium balance Yes Two You do not use any of your general purpose credit cards Yes $1000 to $1999 The amount and percentage of the bill that you pay each month varies from month to month 100 50 Yes 9.9 Yes Selected Not selected Not selected Not selected Not selected Not selected Yes No Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Don't know Not selected Not selected Selected Not selected Not selected Yes Yes The Same Neither fairly nor unfairly Somewhat Satisfied Neither Satisfied nor Dissatisfied No No Somewhat Familiar Neither helpful nor unhelpful 55 to 59 Completed high school Yes 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $75K to less than $100K One Male Revolvers Not selected Selected Know both interest paid and APR 2140 33351 1.47708 2 4 2011 South Landline RDD Unqualified No Yes You decided to close the account and make purchases in other ways such as with a debit card Under 25 "Some high school, not completed" Yes 5 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair $50K to less than $75K One Male Not selected Not Selected 2100 18048 0.42906 2 4 2011 South Landline RDD Qualified Transactors Yes Four or More Five or Six Times You always pay your credit card balances in full on all your cards 0 Yes 23 Yes Selected Not selected Not selected Not selected Not selected Not selected Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected No No Less Somewhat unfairly Extremely Dissatisfied Extremely Dissatisfied No No Not Very Familiar Very unhelpful 45 to 49 Completed high school Yes 2 No Selected Not selected Not selected Not selected Selected Not selected Not selected Other (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $75K to less than $100K Three or more Male Transactors Not selected Selected Know APR and have no balance 2094 30438 0.43265 2 4 2011 South Landline RDD Qualified Yes One Once or Twice You sometimes pay your credit card balances in full and sometimes carry a balance from month to month Refused The amount and percentage of the bill that you pay each month varies from month to month 30 0 Yes 16 Yes Not selected Not selected Selected Not selected Not selected Not selected Yes Yes Yes Not selected Not selected Selected Not selected Not selected Not selected Not selected Not selected Yes Yes Don't know Not selected Not selected Selected Not selected Not selected Yes Yes The Same Somewhat fairly Somewhat Satisfied Refused No No Not at all Familiar 70 to 74 Completed high school No 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You could probably come up with $2000 Under $15K Two Female Selected Selected Know both interest paid and APR 2189 15837 1.2427 2 4 2011 South Landline RDD Unqualified No Yes You decided to close the account and make purchases in other ways such as with a debit card 35 to 44 Post graduate work No 2 Yes Selected Not selected Not selected Not selected Not selected Not selected Not selected Hispanic Excellent $75K to less than $100K One Female Not selected Not Selected 2165 15522 0.64659 2 4 2011 South Landline RDD Unqualified No No 65 to 69 Completed grade school or less No 1 No Not selected Selected Not selected Not selected Not selected Not selected Not selected Black/African-American (non-Hispanic) Refused Under $15K Two Female Not selected Not Selected 2206 14808 1.08089 2 4 2011 South Landline RDD Unqualified No Yes You decided to close the account and make purchases in other ways such as with a debit card 35 to 44 "Some college, not completed" Yes 4 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good $75K to less than $100K One Male Not selected Not Selected 2145 26259 0.63199 2 4 2011 South Landline RDD Qualified Revolvers - large balance Yes Four or More Three or Four Times You sometimes pay your credit card balances in full and sometimes carry a balance from month to month $5000 or more The amount and percentage of the bill that you pay each month varies from month to month 17 Don't know Yes 17 Yes Not selected Not selected Not selected Not selected Selected Not selected Yes Don't know Yes Selected Not selected Not selected Not selected Not selected Not selected Not selected Not selected Don't know Yes Don't know Not selected Not selected Not selected Selected Not selected Yes Yes Refused Somewhat fairly Somewhat Dissatisfied Somewhat Satisfied No No Somewhat Familiar Somewhat helpful 65 to 69 "Some college, not completed" Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair No You could probably come up with $2000 $50K to less than $75K Don't know Male Revolvers Selected Selected Know both interest paid and APR 2142 15684 1.2427 2 4 2011 South Landline RDD Qualified Revolvers - small balance Yes One Three or Four Times You sometimes pay your credit card balances in full and sometimes carry a balance from month to month $500 to $999 You usually pay the same AMOUNT each month 300 0 Yes 14 No Yes No Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Don't know Yes No Not selected Not selected Selected Not selected Not selected No Yes Less Somewhat fairly Somewhat Dissatisfied Neither Satisfied nor Dissatisfied No No Somewhat Familiar Neither helpful nor unhelpful 45 to 49 Completed college Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You are certain you could come up with the full $2000 $75K to less than $100K One Female Revolvers Not selected Selected Know both interest paid and APR 2208 24052 0.58089 2 4 2011 South Landline RDD Unqualified No No Under 25 Completed high school No 3 No Not selected Selected Not selected Not selected Not selected Not selected Not selected Black/African-American (non-Hispanic) Don't know Don't know Two Male Not selected Not Selected 2216 25786 1.03745 2 4 2011 South Landline RDD Unqualified No No 75 to 84 "Some high school, not completed" No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good $50K to less than $75K One Male Not selected Not Selected 2185 30561 0.71738 2 4 2011 South Landline RDD Qualified Transactors Yes One More than Six Times You always pay your credit card balances in full on all your cards 80 Yes 0 No Yes Yes No Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected No Yes Don't know Not selected Not selected Selected Not selected Not selected Don't know No The Same Very fairly Extremely Satisfied Extremely Satisfied No No Not at all Familiar 50 to 54 Post graduate work Yes 4 Yes Selected Not selected Not selected Not selected Not selected Not selected Not selected Hispanic Excellent No You are certain you could come up with the full $2000 $100K or more One Male Transactors Not selected Selected Know APR and have no balance 2194 25945 0.93814 2 4 2011 South Landline RDD Qualified Transactors Yes One Three or Four Times You always pay your credit card balances in full on all your cards 0 Refused No No No Yes Not selected Not selected Selected Selected Selected Not selected Not selected Not selected Yes Yes No Selected Selected Not selected Not selected Not selected Yes Yes More Very fairly Somewhat Satisfied Somewhat Satisfied No No Somewhat Familiar Somewhat helpful 65 to 69 Completed high school No 1 No Not selected Selected Selected Not selected Not selected Not selected Not selected Other (non-Hispanic) Good No You could probably come up with $2000 $40K to less than $50K One Female Transactors Selected Selected Refused at least one of the two questions 2263 17450 0.86529 2 4 2011 South Landline RDD Unqualified No Yes You decided to close the account and make purchases in other ways such as with a debit card 65 to 69 Completed high school Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent Don't know One Female Not selected Not Selected 2195 17250 0.36331 2 4 2011 South Landline RDD Qualified Revolvers - medium balance Yes One Once or Twice You usually carry a balance from month to month on at least one of your cards $2000 to $2999 The amount and percentage of the bill that you pay each month varies from month to month Don't know 0 Yes 0.07 No Don't know Don't know Don't know Don't know Yes Don't know Not selected Not selected Not selected Selected Not selected Yes Yes The Same Refused Neither Satisfied nor Dissatisfied Extremely Dissatisfied No No Not at all Familiar 70 to 74 "Some college, not completed" Yes 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You could probably come up with $2000 $30K to less than $40K Two Female Revolvers Not selected Selected Know APR but not interest paid 2260 26027 0.82478 2 4 2011 South Landline RDD Qualified Transactors Yes Two More than Six Times You always pay your credit card balances in full on all your cards 0 Don't know Yes Not selected Not selected Selected Not selected Not selected Not selected Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes No No Selected Not selected Not selected Not selected Not selected No Yes The Same Very fairly Extremely Satisfied Extremely Satisfied No No Somewhat Familiar Neither helpful nor unhelpful 60 to 64 "Some college, not completed" Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $50K to less than $75K One Female Transactors Not selected Selected Don't know APR and have no balance 2245 27515 0.63199 2 4 2011 South Landline RDD Qualified Transactors Yes Two Five or Six Times You always pay your credit card balances in full on all your cards 0 Don't know Yes Not selected Not selected Not selected Selected Not selected Not selected Yes No Don't know Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Don't know Yes No Not selected Not selected Selected Not selected Not selected No No The Same Neither fairly nor unfairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No No Not Very Familiar Neither helpful nor unhelpful 65 to 69 Completed college No 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 Refused One Male Transactors Not selected Selected Don't know APR and have no balance 2334 15678 1.12161 2 4 2011 South Landline RDD Unqualified No No Under 25 "Some college, not completed" No 4 No Not selected Selected Not selected Not selected Not selected Not selected Not selected Black/African-American (non-Hispanic) Good $50K to less than $75K One Female Not selected Not Selected 2346 19441 1.19276 2 4 2011 South Landline RDD Unqualified No No 70 to 74 "Some high school, not completed" No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent Under $15K One Female Not selected Not Selected 2282 28248 0.73996 2 4 2011 South Landline RDD Qualified Revolvers - medium balance Yes One Once or Twice You sometimes pay your credit card balances in full and sometimes carry a balance from month to month $1000 to $1999 The amount and percentage of the bill that you pay each month varies from month to month 14 0 Yes 0 Yes Selected Not selected Selected Not selected Not selected Not selected Yes Yes Yes Selected Selected Selected Selected Not selected Not selected Not selected Not selected Yes Yes Yes Not selected Not selected Selected Not selected Not selected No No Less Neither fairly nor unfairly Extremely Dissatisfied Extremely Dissatisfied No No Not at all Familiar 35 to 44 Completed high school No 1 Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Hispanic Good No You are certain you could NOT raise the full $2000 $30K to less than $40K Two Female Revolvers Selected Selected Know both interest paid and APR 2311 16498 1.03451 2 4 2011 South Landline RDD Qualified Revolvers - medium balance Yes Three More than Six Times You sometimes pay your credit card balances in full and sometimes carry a balance from month to month $1000 to $1999 The amount and percentage of the bill that you pay each month varies from month to month 100 50 Yes 17 No Yes No Don't know Not selected Not selected Selected Not selected Not selected Not selected Not selected Not selected No Yes No Selected Not selected Not selected Not selected Not selected Yes No The Same Somewhat fairly Somewhat Satisfied Somewhat Satisfied Yes Yes 1 You received something in the mail or via e-mail about the card(s) "You applied for card/cards that read/heard about and seemed attractive, but did not do a lot of comparative shopping" 4 5 - Extremely Important 5 - Extremely Important 5 - Extremely Important 5 - Extremely Important 4 The rewards you could earn if you continue to use the card Not Very Familiar Neither helpful nor unhelpful Under 25 "Some college, not completed" No 5 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You could probably come up with $2000 Under $15K One Female Revolvers Selected Selected Know both interest paid and APR 2415 29384 0.74119 2 4 2011 Midwest Landline RDD Unqualified No Yes You decided to close the account and make purchases in other ways such as with a debit card 70 to 74 Completed high school Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent $25K to less than $30K One Male Not selected Not Selected 2429 28241 0.74119 2 4 2011 Midwest Landline RDD Unqualified No No 65 to 69 Completed high school Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair $20K to less than $25K One Male Not selected Not Selected 2359 15455 0.23912 2 4 2011 South Landline RDD Qualified Transactors Yes One More than Six Times You always pay your credit card balances in full on all your cards 20 Yes 8 Yes Selected Not selected Not selected Not selected Not selected Not selected Yes Don't know Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected No No Less Very fairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No No Not Very Familiar Neither helpful nor unhelpful 55 to 59 Post graduate work Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more Three or more Male Transactors Not selected Selected Know APR and have no balance 2380 26309 0.71557 2 4 2011 Midwest Landline RDD Qualified Transactors Yes One More than Six Times You always pay your credit card balances in full on all your cards 0 Yes 12 No Don't know Don't know Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Don't know Yes Yes Not selected Selected Not selected Not selected Not selected Yes Yes The Same Very fairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No No Not Very Familiar Neither helpful nor unhelpful 65 to 69 "Some college, not completed" Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $40K to less than $50K One Female Transactors Not selected Selected Know APR and have no balance 2443 26523 0.3025 2 4 2011 Northeast Landline RDD Unqualified No Yes You decided to close the account and make purchases in other ways such as with a debit card 50 to 54 Completed college No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good $25K to less than $30K Three or more Female Not selected Not Selected 2371 26150 0.61192 2 4 2011 Midwest Landline RDD Qualified Transactors Yes Four or More More than Six Times You always pay your credit card balances in full on all your cards 0 Yes 14 Yes Not selected Not selected Selected Not selected Not selected Not selected Yes No Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected Yes Yes More Somewhat fairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No Yes 4 Other You shopped around and compared several different cards before selecting the card(s) for which you applied Somewhat difficult 2 1 - Not at all important 4 5 - Extremely Important 2 3 The rewards you could earn if you continue to use the card Somewhat Familiar Neither helpful nor unhelpful Refused Completed college Yes 4 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 Refused Two Female Transactors Not selected Selected Know APR and have no balance 2469 15411 1.36736 2 4 2011 Northeast Landline RDD Unqualified No Yes You decided to close the account and make purchases in other ways such as with a debit card 35 to 44 Completed college No 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair $25K to less than $30K One Female Not selected Not Selected 2406 17783 1.45743 2 4 2011 Midwest Landline RDD Qualified Revolvers - medium balance Yes One Once or Twice You usually carry a balance from month to month on at least one of your cards $1000 to $1999 You usually pay the same AMOUNT each month 100 0 Yes 0.1 No No No Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected Yes Yes More Somewhat fairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No No Not Very Familiar Neither helpful nor unhelpful 35 to 44 Completed high school Yes 4 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more One Female Revolvers Not selected Selected Know both interest paid and APR 2444 28142 1.62835 2 4 2011 Northeast Landline RDD Qualified Transactors Yes One Five or Six Times You always pay your credit card balances in full on all your cards 0 Yes 18 No No Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected No Yes Yes Not selected Not selected Selected Not selected Not selected Yes Yes The Same Very fairly Somewhat Dissatisfied Neither Satisfied nor Dissatisfied No No Not Very Familiar Neither helpful nor unhelpful 35 to 44 Completed high school Yes 4 Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Hispanic Excellent No You are certain you could come up with the full $2000 $100K or more One Female Transactors Not selected Selected Know APR and have no balance 2522 29514 1.41632 2 4 2011 Northeast Landline RDD Unqualified No No 35 to 44 Completed high school No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent $25K to less than $30K One Male Not selected Not Selected 2461 24055 1.62835 2 4 2011 Northeast Landline RDD Qualified Revolvers - small balance Yes One Five or Six Times You sometimes pay your credit card balances in full and sometimes carry a balance from month to month Less than $500 You usually pay the same AMOUNT each month Don't know Don't know Yes 18 No Yes Yes Don't know Not selected Not selected Not selected Selected Not selected Not selected Not selected Not selected Yes Yes Don't know Selected Not selected Not selected Not selected Not selected Yes Don't know The Same Very fairly Somewhat Dissatisfied Neither Satisfied nor Dissatisfied No No Not at all Familiar 35 to 44 Completed high school No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You could probably NOT come up with $2000 Refused One Female Revolvers Not selected Selected Know APR but not interest paid 2551 21326 1.62525 2 4 2011 Northeast Landline RDD Unqualified No No Under 25 "Some high school, not completed" No 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good $100K or more One Male Not selected Not Selected 2473 15533 0.95209 2 4 2011 Northeast Landline RDD Qualified Transactors Yes One Three or Four Times You always pay your credit card balances in full on all your cards 0 Yes 21 Yes Selected Not selected Not selected Not selected Not selected Not selected Yes Yes No Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Don't know Yes Don't know Not selected Not selected Selected Not selected Not selected No Don't know Less Somewhat fairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied Don't know No Somewhat Familiar Somewhat helpful 75 to 84 Completed high school No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No Refused Under $15K One Female Transactors Not selected Selected Know APR and have no balance 2554 18745 0.82812 2 4 2011 Northeast Landline RDD Unqualified No Yes Other 85 or older Completed high school No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Don't know Don't know One Male Not selected Not Selected 2517 28767 0.45376 2 4 2011 Northeast Landline RDD Qualified Transactors Yes One Once or Twice You always pay your credit card balances in full on all your cards 0 Yes 0 No No No Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Yes Not selected Not selected Selected Not selected Not selected Yes Yes More Very fairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No No Somewhat Familiar Neither helpful nor unhelpful 60 to 64 "Some college, not completed" Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair No You are certain you could come up with the full $2000 $25K to less than $30K Two Female Transactors Not selected Selected Know APR and have no balance 2511 24638 0.36024 2 4 2011 Northeast Landline RDD Qualified Transactors Yes Three Three or Four Times You always pay your credit card balances in full on all your cards 0 Don't know Yes Not selected Not selected Not selected Not selected Selected Not selected Yes No Yes Not selected Not selected Selected Not selected Not selected Not selected Not selected Not selected Yes Yes No Selected Not selected Not selected Not selected Not selected Yes Yes Less Very fairly Extremely Dissatisfied Somewhat Satisfied No No Somewhat Familiar Somewhat helpful 50 to 54 Completed high school Yes 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could NOT raise the full $2000 $40K to less than $50K Three or more Female Transactors Selected Selected Don't know APR and have no balance 2585 16159 0.90751 2 4 2011 Northeast Landline RDD Unqualified Yes Two You do not use any of your general purpose credit cards No 60 to 64 Post graduate work No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent $100K or more One Female Not selected Not Selected 2596 18911 0.82812 2 4 2011 Northeast Landline RDD Qualified Transactors Yes Two Five or Six Times You always pay your credit card balances in full on all your cards 0 Yes 13 No No No Don't know Yes Yes No Selected Not selected Not selected Not selected Not selected No No Less Somewhat fairly Extremely Dissatisfied Somewhat Dissatisfied No No Not at all Familiar 70 to 74 Completed high school Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $40K to less than $50K One Male Transactors Not selected Selected Know APR and have no balance 2575 29427 1.45743 2 4 2011 Midwest Landline RDD Qualified Revolvers - medium balance Yes Two Once or Twice You sometimes pay your credit card balances in full and sometimes carry a balance from month to month $1000 to $1999 The amount and percentage of the bill that you pay each month varies from month to month 200 0 Yes 14.5 No Yes Yes Yes Not selected Not selected Selected Not selected Not selected Not selected Not selected Not selected Yes Yes No Not selected Selected Not selected Not selected Not selected Yes Yes More Somewhat fairly Somewhat Satisfied Somewhat Satisfied No No Not Very Familiar Neither helpful nor unhelpful 35 to 44 Completed high school No 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You could probably come up with $2000 Under $15K One Female Revolvers Selected Selected Know both interest paid and APR 2643 29314 0.82812 2 4 2011 Northeast Landline RDD Qualified Transactors Yes Two Once or Twice You always pay your credit card balances in full on all your cards 0 Yes 18 No No No Don't know Yes Yes No Not selected Not selected Selected Not selected Not selected Yes Yes The Same Very fairly Extremely Dissatisfied Somewhat Satisfied No No Somewhat Familiar Somewhat helpful 65 to 69 Completed high school Yes 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $15K to less than $20K One Male Transactors Not selected Selected Know APR and have no balance 2651 32060 0.69539 2 4 2011 Northeast Landline RDD Qualified Transactors Yes One Five or Six Times You always pay your credit card balances in full on all your cards 0 Don't know Yes Selected Selected Selected Not selected Not selected Not selected Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Yes Not selected Selected Not selected Not selected Not selected Yes Yes More Very fairly Somewhat Satisfied Somewhat Satisfied No No Somewhat Familiar Neither helpful nor unhelpful 75 to 84 "Some college, not completed" Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $25K to less than $30K One Male Transactors Not selected Selected Don't know APR and have no balance 2504 21866 1.27831 2 4 2011 Northeast Landline RDD Unqualified No No Under 25 Completed high school No 4 No Not selected Selected Not selected Not selected Not selected Not selected Not selected Black/African-American (non-Hispanic) Poor $30K to less than $40K One Male Not selected Not Selected 456 18615 0.40613 2 4 2011 Midwest Landline RDD Unqualified No No 50 to 54 Completed college No 3 No Not selected Not selected Not selected Not selected Not selected Not selected Selected Other (non-Hispanic) Fair Refused Two Female Not selected Not Selected 2693 22018 0.82478 2 4 2011 South Landline RDD Qualified Transactors Yes Two Three or Four Times You always pay your credit card balances in full on all your cards 100 Yes 8 Yes Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Yes Selected Not selected Not selected Selected Not selected Not selected Not selected Not selected No No No No No Less Somewhat fairly Somewhat Satisfied Somewhat Satisfied No No Somewhat Familiar Somewhat helpful 50 to 54 Post graduate work No 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $50K to less than $75K One Female Transactors Selected Selected Know APR and have no balance 2682 32785 0.82478 2 4 2011 South Landline RDD Qualified Transactors Yes Two More than Six Times You always pay your credit card balances in full on all your cards 0 Yes 0 No Don't know No Don't know Yes Yes Yes Not selected Not selected Selected Not selected Not selected Yes Yes The Same Very fairly Neither Satisfied nor Dissatisfied Extremely Dissatisfied No No Not at all Familiar 60 to 64 Completed college Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $30K to less than $40K One Female Transactors Not selected Selected Know APR and have no balance 2691 17443 1.2427 2 4 2011 South Landline RDD Qualified Transactors Yes Four or More More than Six Times You always pay your credit card balances in full on all your cards Don't know Don't know No Don't know Don't know Don't know Don't know Yes Don't know Not selected Not selected Selected Not selected Not selected Yes Don't know The Same Neither fairly nor unfairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No No Not at all Familiar 35 to 44 Completed college Yes 6 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more One Female Transactors Not selected Selected Don't know APR and have no balance 2683 32267 1.03451 2 4 2011 South Landline RDD Qualified Revolvers - large balance Yes Four or More More than Six Times You usually carry a balance from month to month on at least one of your cards $4000 to $4999 The amount and percentage of the bill that you pay each month varies from month to month 1000 100 Yes 27 Yes Selected Not selected Not selected Not selected Not selected Not selected Yes Yes Yes Not selected Selected Not selected Selected Not selected Not selected Not selected Not selected Yes Yes Yes Selected Not selected Not selected Not selected Not selected Yes Yes The Same Very fairly Neither Satisfied nor Dissatisfied Somewhat Satisfied No No Not at all Familiar 25 to 34 "Some college, not completed" Yes 4 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair Yes You could probably come up with $2000 $30K to less than $40K One Female Revolvers Selected Selected Know both interest paid and APR 2709 27470 0.71738 2 4 2011 South Landline RDD Qualified Transactors Yes One More than Six Times You always pay your credit card balances in full on all your cards 0 Yes 25 Yes Selected Not selected Not selected Not selected Not selected Not selected Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Don't know Yes Selected Not selected Not selected Not selected Not selected Yes Yes The Same Somewhat unfairly Extremely Dissatisfied Somewhat Dissatisfied No No Somewhat Familiar Somewhat helpful 50 to 54 Post graduate work Yes 10 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair No You could probably come up with $2000 $50K to less than $75K One Male Transactors Not selected Selected Know APR and have no balance 11 23099 0.85431 2 4 2011 South Landline RDD Qualified Revolvers - small balance Yes Three Three or Four Times You sometimes pay your credit card balances in full and sometimes carry a balance from month to month Less than $500 The amount and percentage of the bill that you pay each month varies from month to month Don't know 0 Yes 0.07 No Yes Yes Yes Selected Not selected Not selected Not selected Not selected Not selected Not selected Not selected Yes Yes Yes Selected Not selected Not selected Not selected Not selected Yes Yes More Very fairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied Yes No Not at all Familiar 55 to 59 Completed high school No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You are certain you could come up with the full $2000 $40K to less than $50K One Male Revolvers Selected Selected Know APR but not interest paid 2755 32125 1.26765 2 4 2011 Midwest Landline RDD Unqualified No No 35 to 44 Completed high school No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair $25K to less than $30K One Male Not selected Not Selected 265 28353 0.90751 2 4 2011 Northeast Landline RDD Qualified Transactors Yes Four or More More than Six Times You always pay your credit card balances in full on all your cards 700 Don't know Yes Not selected Not selected Selected Not selected Not selected Not selected Yes Yes No Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes No No Not selected Not selected Selected Not selected Not selected No Don't know The Same Very fairly Neither Satisfied nor Dissatisfied Somewhat Satisfied No No Somewhat Familiar Neither helpful nor unhelpful 50 to 54 Completed college Yes 4 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more One Female Transactors Not selected Selected Don't know APR and have no balance 2738 27284 0.61192 2 4 2011 Midwest Landline RDD Qualified Revolvers - large balance Yes One Three or Four Times You usually carry a balance from month to month on at least one of your cards $3000 to $3999 The amount and percentage of the bill that you pay each month varies from month to month Don't know 0 Yes 12.99 No Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected No No The Same Neither fairly nor unfairly Somewhat Satisfied Neither Satisfied nor Dissatisfied No No Somewhat Familiar Somewhat helpful 35 to 44 "Some college, not completed" No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You are certain you could come up with the full $2000 $15K to less than $20K Two Female Revolvers Not selected Selected Know APR but not interest paid 2305 22889 0.89981 2 4 2011 South Landline RDD Unqualified No Yes You closed some accounts and other accounts were closed by the bank 25 to 34 "Some college, not completed" No 3 No Selected Not selected Selected Not selected Not selected Not selected Not selected Other (non-Hispanic) Poor Under $15K One Male Not selected Not Selected 2736 24235 0.90751 2 4 2011 Northeast Landline RDD Qualified Transactors Yes Two Once or Twice You always pay your credit card balances in full on all your cards 0 Yes 13 Yes Selected Not selected Not selected Not selected Not selected Not selected Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Yes Not selected Selected Not selected Not selected Not selected Yes Yes Less Somewhat unfairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No No Not Very Familiar Somewhat helpful 50 to 54 "Some college, not completed" Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Poor No You are certain you could NOT raise the full $2000 $40K to less than $50K One Female Transactors Not selected Selected Know APR and have no balance 2743 25137 0.69539 2 4 2011 Northeast Landline RDD Qualified Revolvers - large balance Yes Three Once or Twice You sometimes pay your credit card balances in full and sometimes carry a balance from month to month $3000 to $3999 The amount and percentage of the bill that you pay each month varies from month to month 0 0 Yes 9.99 Yes Selected Not selected Selected Not selected Not selected Not selected Yes No Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes No Selected Not selected Not selected Not selected Not selected Yes Yes The Same Somewhat fairly Somewhat Satisfied Neither Satisfied nor Dissatisfied No Yes 1 You received something in the mail or via e-mail about the card(s) You shopped around and compared several different cards before selecting the card(s) for which you applied Very easy 5 - Extremely important 5 - Extremely Important 3 3 5 - Extremely Important 1 - Not at all important The permanent interest rate after the end of the introductory period Somewhat Familiar Somewhat helpful 70 to 74 Post graduate work Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $75K to less than $100K One Male Revolvers Not selected Selected Know both interest paid and APR 2767 33272 0.78934 2 4 2011 Northeast Landline RDD Qualified Transactors Yes One Once or Twice You always pay your credit card balances in full on all your cards 0 Don't know No Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected No No The Same Somewhat fairly Somewhat Satisfied Somewhat Satisfied No No Not Very Familiar Very unhelpful 50 to 54 "Some college, not completed" Yes 4 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $50K to less than $75K One Male Transactors Not selected Selected Don't know APR and have no balance 507 32242 0.67778 2 4 2011 Northeast Landline RDD Unqualified No No 25 to 34 Completed high school No 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Poor Under $15K Two Female Not selected Not Selected 2762 24705 0.71738 2 4 2011 South Landline RDD Qualified Transactors Yes Three More than Six Times You always pay your credit card balances in full on all your cards 0 Yes 10 Yes Not selected Not selected Not selected Selected Not selected Not selected No No Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected Yes Yes The Same Very fairly Extremely Dissatisfied Somewhat Satisfied No No Somewhat Familiar Somewhat helpful 60 to 64 Completed college No 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more One Male Transactors Not selected Selected Know APR and have no balance 2768 18457 0.63199 2 4 2011 South Landline RDD Qualified Revolvers - medium balance Yes One More than Six Times You sometimes pay your credit card balances in full and sometimes carry a balance from month to month $1000 to $1999 The amount and percentage of the bill that you pay each month varies from month to month Don't know 0 Don't know No Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Don't know Yes No Not selected Not selected Selected Not selected Not selected Yes Yes The Same Somewhat unfairly Somewhat Satisfied Somewhat Satisfied No No Somewhat Familiar Neither helpful nor unhelpful 65 to 69 Post graduate work Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more One Male Revolvers Not selected Selected Know neither interest paid nor APR 2765 14869 1.0188 2 4 2011 Midwest Landline RDD Qualified Revolvers - small balance Yes Two You do not use any of your general purpose credit cards Yes $500 to $999 The amount and percentage of the bill that you pay each month varies from month to month Don't know Don't know Yes 12 Yes Not selected Not selected Not selected Selected Not selected Not selected Yes Yes No Selected Not selected Selected Not selected Not selected Not selected Not selected Not selected No No No Yes No The Same Very unfairly Extremely Dissatisfied Neither Satisfied nor Dissatisfied No No Not at all Familiar 25 to 34 "Some college, not completed" Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You could probably NOT come up with $2000 $75K to less than $100K One Female Revolvers Selected Selected Know APR but not interest paid 1892 33110 1.26765 2 4 2011 Midwest Landline RDD Qualified Revolvers - medium balance Yes One Five or Six Times You usually carry a balance from month to month on at least one of your cards $1000 to $1999 You usually pay the same AMOUNT each month 100 0 Don't know No Yes Yes Yes Not selected Not selected Selected Not selected Not selected Not selected Not selected Not selected Yes Yes No Selected Not selected Not selected Not selected Not selected Yes Yes More Very fairly Extremely Satisfied Extremely Satisfied Yes No Very Familiar Very helpful 35 to 44 Completed high school No 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You could probably NOT come up with $2000 Refused One Male Revolvers Selected Selected Know interest paid but not APR 1917 33630 0.78777 2 4 2011 South Landline RDD Unqualified No Yes You decided to close the account and make purchases in other ways such as with a debit card 65 to 69 Completed college Yes 2 No Not selected Selected Not selected Not selected Not selected Not selected Not selected Black/African-American (non-Hispanic) Fair $20K to less than $25K One Female Not selected Not Selected 517 15464 0.85215 2 4 2011 Midwest Landline RDD Qualified Transactors Yes Three Five or Six Times You always pay your credit card balances in full on all your cards 0 Don't know No Don't know Yes Don't know Selected Not selected Not selected Selected Not selected Not selected Not selected Not selected Yes Yes No Selected Selected Not selected Not selected Not selected Yes Yes More Very fairly Neither Satisfied nor Dissatisfied Somewhat Satisfied No No Somewhat Familiar Don't know 70 to 74 Completed high school Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $20K to less than $25K One Female Transactors Selected Selected Don't know APR and have no balance 612 21365 0.47 2 4 2011 Northeast Landline RDD Unqualified No Yes Other 50 to 54 Completed high school No 1 No Selected Not selected Selected Not selected Not selected Not selected Not selected Other (non-Hispanic) Poor Under $15K Two Male Not selected Not Selected 2804 15355 1.17905 2 4 2011 Northeast Landline RDD Unqualified Yes One You do not use any of your general purpose credit cards No Under 25 Completed high school Yes 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent $50K to less than $75K One Male Not selected Not Selected 2783 30645 0.53224 2 4 2011 Midwest Landline RDD Qualified Transactors Yes Four or More More than Six Times You always pay your credit card balances in full on all your cards 0 Yes 4 Yes Not selected Not selected Selected Not selected Not selected Not selected No No Yes Not selected Selected Not selected Not selected Not selected Not selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected No Don't know Less Very unfairly Neither Satisfied nor Dissatisfied Somewhat Satisfied No No Somewhat Familiar Somewhat helpful 35 to 44 "Some college, not completed" Yes 4 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 Refused Two Male Transactors Selected Selected Know APR and have no balance 2792 33474 0.95209 2 4 2011 Northeast Landline RDD Qualified Transactors Yes One Once or Twice You always pay your credit card balances in full on all your cards 0 Yes 20 No Yes Don't know Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Don't know Don't know Not selected Not selected Selected Not selected Not selected No No The Same Very fairly Don't know Somewhat Satisfied No No Not Very Familiar Somewhat unhelpful 75 to 84 Completed high school No 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 Under $15K One Female Transactors Not selected Selected Know APR and have no balance 528 14691 0.8668 2 4 2011 Northeast Landline RDD Qualified Revolvers - small balance Yes One Three or Four Times Other Less than $500 The amount and percentage of the bill that you pay each month varies from month to month Don't know 0 Don't know No Yes Yes No Not selected Not selected Not selected Selected Not selected Not selected Not selected Not selected Yes Yes No Selected Not selected Not selected Not selected Not selected Yes Yes More Very fairly Somewhat Satisfied Somewhat Satisfied No No Somewhat Familiar Somewhat helpful 65 to 69 Refused No 1 No Not selected Selected Not selected Not selected Not selected Not selected Not selected Black/African-American (non-Hispanic) Fair No You could probably NOT come up with $2000 $40K to less than $50K One Female Revolvers Not selected Selected Know neither interest paid nor APR 542 27415 0.70649 2 4 2011 Midwest Landline RDD Qualified Transactors Yes Two Once or Twice You always pay your credit card balances in full on all your cards 0 Yes 8.9 Yes Selected Not selected Not selected Not selected Not selected Not selected Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Yes Not selected Not selected Selected Not selected Not selected Yes Yes Less Very fairly Somewhat Satisfied Somewhat Satisfied No No Somewhat Familiar Somewhat unhelpful 55 to 59 Post graduate work No 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You could probably come up with $2000 Refused One Male Transactors Not selected Selected Know APR and have no balance 2806 30043 0.78934 2 4 2011 Northeast Landline RDD Qualified Yes Four or More Five or Six Times You usually carry a balance from month to month on at least one of your cards Refused The amount and percentage of the bill that you pay each month varies from month to month Don't know Don't know Yes 12 Yes Selected Selected Selected Not selected Not selected Not selected Yes No Yes Selected Not selected Not selected Not selected Not selected Not selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected Don't know Yes The Same Very fairly Extremely Satisfied Somewhat Satisfied No No Somewhat Familiar Neither helpful nor unhelpful 55 to 59 Completed college No 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You could probably come up with $2000 Refused One Male Selected Selected Know APR but not interest paid 2799 23273 0.9822 2 4 2011 South Landline RDD Qualified Transactors Yes Two More than Six Times You always pay your credit card balances in full on all your cards 0 Don't know Yes Not selected Selected Not selected Not selected Not selected Not selected Yes No Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected No No The Same Very fairly Extremely Satisfied Extremely Satisfied No Yes 1 Someone at your bank told you about it Other Somewhat Familiar Very unhelpful 60 to 64 Completed high school No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 Under $15K One Female Transactors Not selected Selected Don't know APR and have no balance 2818 29215 0.68368 2 4 2011 Northeast Landline RDD Qualified Transactors Yes One Three or Four Times You always pay your credit card balances in full on all your cards 0 Don't know Yes Selected Selected Not selected Not selected Not selected Not selected Don't know Don't know Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected No Yes Don't know Not selected Not selected Selected Not selected Not selected No No The Same Somewhat fairly Somewhat Satisfied Somewhat Satisfied No No Not at all Familiar 35 to 44 Completed college No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $75K to less than $100K Two Female Transactors Not selected Selected Don't know APR and have no balance 2821 25447 1.08073 2 4 2011 Northeast Landline RDD Qualified Revolvers - large balance Yes Four or More More than Six Times You sometimes pay your credit card balances in full and sometimes carry a balance from month to month $5000 or more The amount and percentage of the bill that you pay each month varies from month to month 300 40 Yes 13 Yes Selected Not selected Not selected Not selected Not selected Not selected Yes Yes Yes Selected Selected Selected Not selected Not selected Not selected Not selected Not selected Yes Yes No Selected Selected Not selected Not selected Not selected No Yes Less Very unfairly Extremely Dissatisfied Somewhat Satisfied No No Somewhat Familiar Somewhat helpful 60 to 64 Completed high school Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair No You are certain you could NOT raise the full $2000 $100K or more One Female Revolvers Selected Selected Know both interest paid and APR 2839 22699 1.36736 2 4 2011 Northeast Landline RDD Qualified Revolvers - large balance Yes Two Five or Six Times You usually carry a balance from month to month on at least one of your cards $5000 or more You usually pay the same AMOUNT each month Don't know 0 Yes 2.99 No Yes Yes Yes Not selected Not selected Not selected Selected Not selected Not selected Not selected Not selected Yes Yes Don't know Not selected Not selected Selected Not selected Not selected Yes No The Same Somewhat fairly Somewhat Dissatisfied Neither Satisfied nor Dissatisfied Yes No Not Very Familiar Somewhat helpful 35 to 44 Post graduate work Yes 4 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You are certain you could come up with the full $2000 $75K to less than $100K One Female Revolvers Not selected Selected Know APR but not interest paid 2919 16863 1.17189 2 4 2011 South Landline RDD Unqualified No No 35 to 44 "Some college, not completed" No 2 No Not selected Selected Not selected Not selected Not selected Not selected Not selected Black/African-American (non-Hispanic) Poor $15K to less than $20K One Male Not selected Not Selected 2828 28279 1.18932 2 4 2011 Northeast Landline RDD Qualified Revolvers - small balance Yes One More than Six Times You usually carry a balance from month to month on at least one of your cards Less than $500 You usually pay the same PERCENTAGE of the bill each month 100 26 Yes 16 No Yes Yes Yes Not selected Selected Not selected Not selected Not selected Not selected Not selected Not selected Yes Yes Yes Not selected Not selected Selected Not selected Not selected No Don't know Less Somewhat fairly Extremely Dissatisfied Extremely Dissatisfied No Yes 2 Other Other Not at all Familiar 35 to 44 Completed college Yes 4 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Poor No You could probably come up with $2000 Refused One Male Revolvers Selected Selected Know both interest paid and APR 2862 31535 1.36736 2 4 2011 Northeast Landline RDD Qualified Transactors Yes Three More than Six Times You always pay your credit card balances in full on all your cards 35 Yes 3.5 Yes Not selected Selected Not selected Not selected Not selected Not selected Yes No Yes Not selected Not selected Not selected Selected Not selected Not selected Not selected Not selected Yes Yes No Selected Not selected Not selected Not selected Not selected Yes Yes The Same Very fairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No Yes 1 You received something in the mail or via e-mail about the card(s) "You applied for card/cards that read/heard about and seemed attractive, but did not do a lot of comparative shopping" 1 - Not at all important 1 - Not at all important 5 - Extremely Important 5 - Extremely Important 1 - Not at all important 1 - Not at all important The rewards you could earn if you continue to use the card Somewhat Familiar Somewhat helpful 45 to 49 Completed college Yes 4 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You could probably come up with $2000 $20K to less than $25K One Female Transactors Not selected Selected Know APR and have no balance 2871 22373 0.90751 2 4 2011 Northeast Landline RDD Qualified Revolvers - small balance Yes One Once or Twice You sometimes pay your credit card balances in full and sometimes carry a balance from month to month Less than $500 You usually pay the same AMOUNT each month 20 0 Yes 18 No No No No Yes Yes Don't know Not selected Not selected Selected Not selected Not selected No Yes Less Neither fairly nor unfairly Extremely Dissatisfied Extremely Dissatisfied No Yes 1 You received something in the mail or via e-mail about the card(s) "You applied for card/cards that read/heard about and seemed attractive, but did not do a lot of comparative shopping" 5 - Extremely important 3 3 3 4 1 - Not at all important The introductory interest rate on balance transfers and/or purchases Somewhat Familiar Somewhat helpful 50 to 54 Post graduate work No 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You could probably come up with $2000 $30K to less than $40K One Female Revolvers Not selected Selected Know both interest paid and APR 2933 15969 0.82478 2 4 2011 South Landline RDD Unqualified No No 50 to 54 "Some college, not completed" No 1 No Not selected Not selected Not selected Not selected Not selected Not selected Selected Other (non-Hispanic) Good $30K to less than $40K One Female Not selected Not Selected 2853 15652 1.13829 2 4 2011 Northeast Landline RDD Qualified Transactors Yes One Five or Six Times You always pay your credit card balances in full on all your cards 0 Yes 0 Don't know Don't know No Yes Not selected Selected Not selected Not selected Not selected Not selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected Yes Yes The Same Very fairly Extremely Satisfied Somewhat Satisfied No No Not at all Familiar 25 to 34 Completed college Yes 2 No Not selected Not selected Not selected Selected Not selected Not selected Not selected Asian/Pacific Islander (non-Hispanic) Fair No You are certain you could come up with the full $2000 $100K or more One Female Transactors Selected Selected Know APR and have no balance 2921 18931 0.63199 2 4 2011 South Landline RDD Qualified Transactors Yes Three More than Six Times You always pay your credit card balances in full on all your cards 0 Don't know No Yes No Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Don't know Not selected Not selected Selected Not selected Not selected No Don't know The Same Neither fairly nor unfairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No No Not at all Familiar 75 to 84 Completed college Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $50K to less than $75K One Male Transactors Not selected Selected Don't know APR and have no balance 2951 26627 1.17189 2 4 2011 South Landline RDD Unqualified No No 45 to 49 "Some college, not completed" No 1 No Not selected Selected Not selected Not selected Not selected Not selected Not selected Black/African-American (non-Hispanic) Poor $30K to less than $40K One Male Not selected Not Selected 2924 25993 0.59638 2 4 2011 South Landline RDD Qualified Revolvers - medium balance Yes One Once or Twice You usually carry a balance from month to month on at least one of your cards $1000 to $1999 You usually pay the same AMOUNT each month Don't know Don't know Don't know No Yes Yes Don't know Selected Not selected Selected Not selected Not selected Not selected Not selected Not selected Yes Yes Don't know Selected Selected Not selected Not selected Not selected Yes Yes More Very fairly Somewhat Dissatisfied Somewhat Dissatisfied No No Not at all Familiar 70 to 74 "Some high school, not completed" No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair No You could probably NOT come up with $2000 $20K to less than $25K Two Female Revolvers Selected Selected Know neither interest paid nor APR 2912 15622 0.63199 2 4 2011 South Landline RDD Qualified Transactors Yes One Once or Twice You always pay your credit card balances in full on all your cards Don't know Yes 0 No Yes No No Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected No Yes No Not selected Not selected Not selected Not selected Selected Don't know No The Same Very fairly Extremely Dissatisfied Refused No No Very Familiar Refused Refused Post graduate work Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Don't know Refused You are certain you could come up with the full $2000 Refused One Male Transactors Not selected Selected Know APR and have no balance 2911 18299 0.71738 2 4 2011 South Landline RDD Qualified Yes Two Three or Four Times Other Refused The amount and percentage of the bill that you pay each month varies from month to month Refused Refused Yes 18 Yes Selected Selected Selected Not selected Not selected Not selected Yes Yes Yes Selected Selected Selected Selected Not selected Not selected Not selected Not selected Refused Yes No Selected Not selected Not selected Not selected Not selected No Yes The Same Neither fairly nor unfairly Somewhat Dissatisfied Somewhat Dissatisfied No No Somewhat Familiar Neither helpful nor unhelpful 50 to 54 Post graduate work Yes 7 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You could probably come up with $2000 $75K to less than $100K One Male Selected Selected Refused at least one of the two questions 2947 14807 0.75262 2 4 2011 South Landline RDD Qualified Transactors Yes Three More than Six Times You always pay your credit card balances in full on all your cards 0 Yes 18.9 Yes Not selected Not selected Selected Not selected Not selected Not selected Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Yes Not selected Not selected Selected Not selected Not selected Yes Yes More Very fairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No No Not at all Familiar 65 to 69 Completed high school No 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $40K to less than $50K One Male Transactors Not selected Selected Know APR and have no balance 2943 22249 1.39557 2 4 2011 South Landline RDD Qualified Revolvers - small balance Yes Two Three or Four Times You sometimes pay your credit card balances in full and sometimes carry a balance from month to month $500 to $999 The amount and percentage of the bill that you pay each month varies from month to month Don't know 0 Yes 16 No Yes Yes Yes Not selected Not selected Not selected Not selected Selected Not selected Not selected Not selected Yes Yes No Selected Not selected Not selected Not selected Not selected Yes Yes Less Somewhat fairly Neither Satisfied nor Dissatisfied Somewhat Dissatisfied No No Somewhat Familiar Neither helpful nor unhelpful 35 to 44 Completed high school No 4 No Not selected Selected Not selected Not selected Not selected Not selected Not selected Black/African-American (non-Hispanic) Fair No You could probably NOT come up with $2000 $25K to less than $30K One Male Revolvers Not selected Selected Know APR but not interest paid 2392 16397 0.20746 2 4 2011 Midwest Landline RDD Qualified Transactors Yes Four or More More than Six Times You always pay your credit card balances in full on all your cards 0 Yes 14.9 No Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Don't know Not selected Not selected Selected Not selected Not selected Yes Yes The Same Somewhat fairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No Yes 3 You saw an advertisement on the Internet "You applied for card/cards that read/heard about and seemed attractive, but did not do a lot of comparative shopping" 1 - Not at all important 1 - Not at all important 5 - Extremely Important 4 4 3 The bonus you could earn by applying or by making a few purchases Very Familiar Neither helpful nor unhelpful 65 to 69 Post graduate work Yes 2 No Not selected Not selected Not selected Selected Not selected Not selected Not selected Asian/Pacific Islander (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more Three or more Male Transactors Not selected Selected Know APR and have no balance 2995 29720 0.84134 2 4 2011 Midwest Landline RDD Unqualified No Yes You decided to close the account and make purchases in other ways such as with a debit card 55 to 59 Completed high school Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Poor $30K to less than $40K One Male Not selected Not Selected 2972 23428 0.9822 2 4 2011 South Landline RDD Qualified Revolvers - large balance Yes One More than Six Times You usually carry a balance from month to month on at least one of your cards $3000 to $3999 You usually pay only the MINIMUM AMOUNT due each month 2000 0 Yes 0.16 Yes Not selected Selected Not selected Not selected Not selected Not selected No No No Yes No No Selected Not selected Not selected Not selected Not selected Yes Yes Less Somewhat unfairly Extremely Dissatisfied Extremely Satisfied Yes No Not at all Familiar 55 to 59 Completed high school No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You are certain you could NOT raise the full $2000 $15K to less than $20K One Female Revolvers Not selected Selected Know both interest paid and APR 3031 16610 0.4279 2 4 2011 Northeast Landline RDD Unqualified No Yes You decided to close the account and make purchases in other ways such as with a debit card 55 to 59 "Some college, not completed" No 2 No Not selected Selected Not selected Not selected Not selected Not selected Not selected Black/African-American (non-Hispanic) Good $20K to less than $25K Two Male Not selected Not Selected 2956 20932 0.26259 2 4 2011 South Landline RDD Qualified Revolvers - large balance Yes Two Three or Four Times You sometimes pay your credit card balances in full and sometimes carry a balance from month to month $5000 or more The amount and percentage of the bill that you pay each month varies from month to month Don't know 0 Yes 15.5 Yes Not selected Not selected Not selected Selected Not selected Not selected Yes No Yes Not selected Selected Not selected Not selected Not selected Not selected Not selected Not selected Yes Yes Yes Not selected Not selected Selected Not selected Not selected Yes Don't know The Same Somewhat fairly Somewhat Dissatisfied Somewhat Satisfied No No Somewhat Familiar Neither helpful nor unhelpful 70 to 74 Post graduate work No 3 No Not selected Selected Not selected Not selected Not selected Not selected Not selected Black/African-American (non-Hispanic) Good No You are certain you could come up with the full $2000 $100K or more Three or more Female Revolvers Selected Selected Know APR but not interest paid 2982 26826 1.22383 2 4 2011 Midwest Landline RDD Qualified Revolvers - small balance Yes One You do not use any of your general purpose credit cards Yes $500 to $999 The amount and percentage of the bill that you pay each month varies from month to month 30 0 Yes 12 No Don't know Don't know Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Don't know Not selected Not selected Selected Not selected Not selected Don't know Yes Don't know Very fairly Extremely Satisfied Somewhat Satisfied No Yes 1 You heard about it from a friend or co-workers You shopped around and compared several different cards before selecting the card(s) for which you applied Somewhat easy Refused 5 - Extremely Important 1 - Not at all important 1 - Not at all important 5 - Extremely Important 1 - Not at all important Refused Not at all Familiar 45 to 49 Post graduate work Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good Yes You are certain you could come up with the full $2000 $50K to less than $75K One Female Revolvers Not selected Selected Know both interest paid and APR 3087 32111 1.2427 2 4 2011 South Landline RDD Unqualified No No 35 to 44 "Some college, not completed" Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair Refused One Female Not selected Not Selected 3059 20963 0.90751 2 4 2011 Northeast Landline RDD Qualified Revolvers - large balance Yes One Once or Twice You sometimes pay your credit card balances in full and sometimes carry a balance from month to month $5000 or more You usually pay the same AMOUNT each month 150 0 Yes 9.9 No Yes Yes Yes Not selected Not selected Selected Not selected Not selected Not selected Not selected Not selected Yes Yes No Selected Not selected Not selected Not selected Not selected Yes Yes Less Very fairly Somewhat Dissatisfied Neither Satisfied nor Dissatisfied No No Not at all Familiar 50 to 54 "Some college, not completed" Yes 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $40K to less than $50K One Female Revolvers Selected Selected Know both interest paid and APR 1960 23131 1.29575 2 4 2011 Northeast Landline RDD Qualified Revolvers - small balance Yes Three You do not use any of your general purpose credit cards Yes Less than $500 You usually pay the same AMOUNT each month 25 85 Don't know No Yes Don't know Yes Not selected Not selected Selected Not selected Not selected Not selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected Yes Don't know More Very fairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No No Not at all Familiar 60 to 64 Completed grade school or less Refused 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Poor No You are certain you could NOT raise the full $2000 $20K to less than $25K One Male Revolvers Selected Selected Know interest paid but not APR 2132 32732 0.82478 2 4 2011 South Landline RDD Unqualified No Yes You decided to close the account and make purchases in other ways such as with a debit card 55 to 59 Completed college Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Don't know $30K to less than $40K One Female Not selected Not Selected 3081 32478 1.2427 2 4 2011 South Landline RDD Qualified Revolvers - small balance Yes Two Three or Four Times You sometimes pay your credit card balances in full and sometimes carry a balance from month to month $500 to $999 The amount and percentage of the bill that you pay each month varies from month to month 0 0 Yes 0.11 No No No No No Yes No Not selected Not selected Selected Not selected Not selected No Yes The Same Very fairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied Yes No Somewhat Familiar Neither helpful nor unhelpful 35 to 44 "Some college, not completed" No 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You could probably come up with $2000 $50K to less than $75K One Female Revolvers Not selected Selected Know both interest paid and APR 3078 18138 0.85431 2 4 2011 South Landline RDD Qualified Transactors Yes Four or More Three or Four Times You always pay your credit card balances in full on all your cards 30 Yes 0 No Yes Yes Yes Not selected Selected Not selected Not selected Not selected Not selected Not selected Not selected Yes No No Selected Not selected Not selected Not selected Not selected Yes Yes Less Somewhat fairly Somewhat Dissatisfied Somewhat Dissatisfied Yes Yes 1 You received something in the mail or via e-mail about the card(s) "You applied for card/cards that read/heard about and seemed attractive, but did not do a lot of comparative shopping" 4 4 4 4 3 3 The introductory interest rate on balance transfers and/or purchases Not Very Familiar Somewhat helpful 50 to 54 Completed high school Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 Under $15K One Male Transactors Selected Selected Know APR and have no balance 3102 32493 1.17762 2 4 2011 South Landline RDD Unqualified No Yes You decided to close the account and make purchases in other ways such as with a debit card 55 to 59 Completed grade school or less Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Poor $20K to less than $25K One Male Not selected Not Selected 2126 29431 0.63199 2 4 2011 South Landline RDD Qualified Transactors Yes Four or More More than Six Times You always pay your credit card balances in full on all your cards 0 Yes 14 Yes Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Don't know Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Yes Selected Not selected Not selected Not selected Not selected No Yes Less Somewhat fairly Somewhat Satisfied Neither Satisfied nor Dissatisfied No No Very Familiar Very helpful 75 to 84 Post graduate work Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $75K to less than $100K One Male Transactors Not selected Selected Know APR and have no balance 3133 21157 1.2427 2 4 2011 South Landline RDD Unqualified No Yes You decided to close the account and make purchases in other ways such as with a debit card 35 to 44 Completed college Yes 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good $100K or more One Female Not selected Not Selected 3114 19609 0.86529 2 4 2011 South Landline RDD Qualified Transactors Yes One Once or Twice You always pay your credit card balances in full on all your cards 0 Don't know No No No No Yes No No Selected Not selected Not selected Not selected Not selected No Yes The Same Very fairly Don't know Extremely Satisfied No No Not at all Familiar 75 to 84 Completed high school No 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 Refused One Female Transactors Not selected Selected Don't know APR and have no balance 3150 33254 1.17189 2 4 2011 South Landline RDD Unqualified No No 35 to 44 Post graduate work Yes 2 No Not selected Not selected Not selected Not selected Not selected Not selected Selected Other (non-Hispanic) Refused $75K to less than $100K One Male Not selected Not Selected 3155 19351 1.03451 2 4 2011 South Landline RDD Qualified Revolvers - large balance Yes Three Once or Twice You usually carry a balance from month to month on at least one of your cards $4000 to $4999 You usually pay the same AMOUNT each month 600 0 Yes 12.9 Yes Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Yes Selected Selected Selected Selected Selected Not selected Not selected Not selected Yes Yes No Selected Selected Not selected Not selected Not selected Yes Yes More Very fairly Extremely Satisfied Somewhat Dissatisfied Yes No Very Familiar Very helpful 25 to 34 Completed college Yes 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You are certain you could NOT raise the full $2000 $40K to less than $50K One Female Revolvers Selected Selected Know both interest paid and APR 3107 23655 1.08089 2 4 2011 South Landline RDD Qualified Transactors Yes Two More than Six Times You always pay your credit card balances in full on all your cards 0 Yes 11.14 Yes Not selected Not selected Selected Not selected Not selected Not selected Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Don't know Yes Don't know Not selected Selected Not selected Not selected Not selected Yes No The Same Very unfairly Somewhat Satisfied Extremely Dissatisfied No No Very Familiar Neither helpful nor unhelpful 45 to 49 Post graduate work No 4 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You are certain you could come up with the full $2000 $50K to less than $75K One Male Transactors Not selected Selected Know APR and have no balance 2413 26606 0.70649 2 4 2011 Midwest Landline RDD Qualified Transactors Yes One More than Six Times You always pay your credit card balances in full on all your cards 0 Yes 18 No Yes No Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected Yes Yes The Same Very fairly Somewhat Satisfied Extremely Satisfied No No Not Very Familiar Neither helpful nor unhelpful 50 to 54 Post graduate work Yes 4 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more One Male Transactors Not selected Selected Know APR and have no balance 3165 14857 1.4799 2 4 2011 South Landline RDD Qualified Revolvers - small balance Yes One You do not use any of your general purpose credit cards Yes Less than $500 You usually pay only the MINIMUM AMOUNT due each month 24 100 Yes 24 No No No No Yes Yes No Selected Not selected Not selected Not selected Not selected Yes No Less Very unfairly Extremely Dissatisfied Extremely Dissatisfied No No Not at all Familiar 45 to 49 Completed high school Yes 4 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair Yes You are certain you could NOT raise the full $2000 Under $15K One Female Revolvers Not selected Selected Know both interest paid and APR 3145 25057 0.71738 2 4 2011 South Landline RDD Qualified Revolvers - large balance Yes Four or More More than Six Times You usually carry a balance from month to month on at least one of your cards $5000 or more The amount and percentage of the bill that you pay each month varies from month to month Don't know 0 Yes 3.5 Yes Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Don't know Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Don't know Don't know Yes Not selected Selected Not selected Not selected Not selected Yes Yes The Same Very fairly Extremely Satisfied Somewhat Satisfied Yes No Very Familiar Somewhat helpful 50 to 54 Post graduate work Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more One Male Revolvers Not selected Selected Know APR but not interest paid 3195 19612 0.88614 2 4 2011 Midwest Landline RDD Unqualified No No 25 to 34 "Some college, not completed" No 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair Refused Refused Male Not selected Not Selected 3144 31464 0.82478 2 4 2011 South Landline RDD Qualified Revolvers - medium balance Yes One Once or Twice You usually carry a balance from month to month on at least one of your cards $1000 to $1999 The amount and percentage of the bill that you pay each month varies from month to month 100 0 Yes 0.22 No Yes Yes Yes Selected Not selected Not selected Not selected Not selected Not selected Not selected Not selected Yes Yes No Not selected Selected Not selected Not selected Not selected Yes Yes More Somewhat fairly Somewhat Satisfied Somewhat Dissatisfied Don't know No Not Very Familiar Don't know 50 to 54 Completed college No 3 No Not selected Not selected Not selected Not selected Not selected Selected Not selected Other (non-Hispanic) Good Yes You are certain you could come up with the full $2000 $20K to less than $25K One Female Revolvers Selected Selected Know both interest paid and APR 3215 31353 1.13829 2 4 2011 Northeast Landline RDD Unqualified No No 25 to 34 "Some college, not completed" No 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair $100K or more One Female Not selected Not Selected 3237 28750 0.69539 2 4 2011 Northeast Landline RDD Unqualified Yes Two You do not use any of your general purpose credit cards No 65 to 69 Post graduate work No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair $100K or more One Male Not selected Not Selected 3252 27901 1.17171 2 4 2011 Northeast Landline RDD Unqualified No No 60 to 64 Completed high school No 1 No Not selected Selected Not selected Not selected Not selected Not selected Not selected Black/African-American (non-Hispanic) Good Under $15K One Female Not selected Not Selected 2430 24904 0.71557 2 4 2011 Midwest Landline RDD Qualified Transactors Yes Two Five or Six Times You always pay your credit card balances in full on all your cards 50 Yes 0 Yes Not selected Not selected Selected Not selected Not selected Not selected Don't know Don't know Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Don't know No No Yes Don't know Less Somewhat fairly Somewhat Satisfied Somewhat Satisfied No No Somewhat Familiar Very helpful 75 to 84 Post graduate work No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $40K to less than $50K One Female Transactors Not selected Selected Know APR and have no balance 3282 20783 0.79949 2 4 2011 Northeast Landline RDD Unqualified No Yes You decided to close the account and make purchases in other ways such as with a debit card 65 to 69 Completed college No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair $25K to less than $30K One Female Not selected Not Selected 3274 20112 0.49504 2 4 2011 Northeast Landline RDD Unqualified No No Under 25 "Some college, not completed" No 12 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair $100K or more Two Male Not selected Not Selected 3287 23468 0.94001 2 4 2011 Northeast Landline RDD Unqualified No Yes Other 50 to 54 Completed high school No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good $100K or more One Male Not selected Not Selected 3275 21161 0.39975 2 4 2011 Northeast Landline RDD Unqualified No Yes You decided to close the account and make purchases in other ways such as with a debit card 85 or older Completed college No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good Don't know Two Female Not selected Not Selected 3242 27434 1.13829 2 4 2011 Northeast Landline RDD Qualified Revolvers - large balance Yes One Once or Twice You usually carry a balance from month to month on at least one of your cards $3000 to $3999 The amount and percentage of the bill that you pay each month varies from month to month 200 5 Yes 11 No Yes No Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes No Yes Not selected Not selected Selected Not selected Not selected No No Less Neither fairly nor unfairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No No Not at all Familiar 25 to 34 "Some college, not completed" Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could NOT raise the full $2000 $40K to less than $50K One Female Revolvers Not selected Selected Know both interest paid and APR 3266 20259 0.75262 2 4 2011 South Landline RDD Qualified Transactors Yes Two Once or Twice You always pay your credit card balances in full on all your cards 0 Don't know No Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Don't know Yes No Not selected Not selected Selected Not selected Not selected Yes Yes The Same Very fairly Don't know Neither Satisfied nor Dissatisfied No No Not Very Familiar Somewhat helpful 70 to 74 Completed high school No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $20K to less than $25K One Male Transactors Not selected Selected Don't know APR and have no balance 2485 31110 0.39467 2 4 2011 Northeast Landline RDD Qualified Yes One Once or Twice You usually carry a balance from month to month on at least one of your cards Refused The amount and percentage of the bill that you pay each month varies from month to month 10 0 Yes 10.5 Yes Not selected Not selected Not selected Selected Not selected Not selected Don't know Don't know Yes Not selected Not selected Selected Not selected Not selected Not selected Not selected Not selected No Yes No Not selected Not selected Selected Not selected Not selected Yes Don't know More Neither fairly nor unfairly Somewhat Dissatisfied Extremely Dissatisfied No No Not Very Familiar Neither helpful nor unhelpful 50 to 54 Completed college Yes 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair No Refused Refused Two Male Selected Selected Know both interest paid and APR 3313 31439 1.21326 2 4 2011 Midwest Landline RDD Unqualified No No Under 25 Completed high school No 4 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good Under $15K One Female Not selected Not Selected 3318 19340 0.53224 2 4 2011 Midwest Landline RDD Unqualified No Yes You decided to close the account and make purchases in other ways such as with a debit card 35 to 44 Post graduate work Yes 5 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good $75K to less than $100K Two Male Not selected Not Selected 3340 20689 1.45465 2 4 2011 Midwest Landline RDD Unqualified No No Under 25 "Some high school, not completed" No 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent Don't know One Male Not selected Not Selected 3374 26395 1.4799 2 4 2011 South Landline RDD Unqualified No No 35 to 44 Completed high school No 1 No Selected Not selected Selected Not selected Not selected Not selected Not selected Other (non-Hispanic) Poor Under $15K One Female Not selected Not Selected 3362 29187 0.85431 2 4 2011 South Landline RDD Unqualified No Yes You fell behind on your payments and the bank closed your account 60 to 64 Completed high school No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good Refused One Male Not selected Not Selected 3408 17548 0.86529 2 4 2011 South Landline RDD Unqualified No No 75 to 84 Completed high school No 1 No Selected Not selected Selected Not selected Not selected Not selected Not selected Other (non-Hispanic) Don't know $30K to less than $40K One Female Not selected Not Selected 3405 33530 0.44991 2 4 2011 South Landline RDD Unqualified No Yes You decided to close the account and make purchases in other ways such as with a debit card 25 to 34 "Some college, not completed" No 4 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Poor $75K to less than $100K Two Male Not selected Not Selected 3297 27667 0.44711 2 4 2011 South Landline RDD Qualified Revolvers - large balance Yes Four or More Three or Four Times You usually carry a balance from month to month on at least one of your cards $5000 or more You usually pay the same AMOUNT each month 18 60 Yes 18 Yes Selected Not selected Not selected Not selected Not selected Not selected Yes Yes Yes Selected Not selected Not selected Not selected Not selected Not selected Not selected Not selected Yes Yes No Selected Not selected Not selected Not selected Not selected Yes Yes More Somewhat fairly Extremely Dissatisfied Somewhat Dissatisfied No No Somewhat Familiar Somewhat helpful 55 to 59 Post graduate work No 1 No Not selected Selected Not selected Not selected Not selected Not selected Not selected Black/African-American (non-Hispanic) Fair No You are certain you could NOT raise the full $2000 $50K to less than $75K Two Female Revolvers Selected Selected Know both interest paid and APR 3324 32202 1.22383 2 4 2011 Midwest Landline RDD Qualified Transactors Yes Two More than Six Times You always pay your credit card balances in full on all your cards Don't know Don't know Yes Not selected Not selected Not selected Selected Not selected Not selected Yes Yes No Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Don't know Yes Don't know Not selected Not selected Selected Not selected Not selected Yes Yes The Same Somewhat fairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No No Not at all Familiar 35 to 44 "Some college, not completed" No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You could probably come up with $2000 $50K to less than $75K One Female Transactors Not selected Selected Don't know APR and have no balance 3390 19927 0.63199 2 4 2011 South Landline RDD Qualified Transactors Yes Three More than Six Times You always pay your credit card balances in full on all your cards 0 Yes 0 No Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Don't know Not selected Not selected Selected Not selected Not selected No No Less Very fairly Don't know Somewhat Satisfied No No Not at all Familiar 70 to 74 "Some college, not completed" Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $50K to less than $75K One Male Transactors Not selected Selected Know APR and have no balance 3491 32736 1.26765 2 4 2011 Midwest Landline RDD Unqualified No Yes You decided to close the account and make purchases in other ways such as with a debit card 35 to 44 Completed high school Yes 4 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair $50K to less than $75K One Male Not selected Not Selected 3381 27085 0.78777 2 4 2011 South Landline RDD Qualified Revolvers - large balance Yes Three You do not use any of your general purpose credit cards Yes $5000 or more You usually pay the same AMOUNT each month Don't know 0 Yes 15.99 Yes Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected Yes Yes The Same Very fairly Somewhat Satisfied Neither Satisfied nor Dissatisfied No No Not Very Familiar Somewhat helpful 75 to 84 "Some college, not completed" No 1 No Not selected Selected Not selected Not selected Not selected Not selected Not selected Black/African-American (non-Hispanic) Good No You could probably NOT come up with $2000 Under $15K One Female Revolvers Not selected Selected Know APR but not interest paid 3419 30248 0.85431 2 4 2011 South Landline RDD Qualified Transactors Yes One More than Six Times You always pay your credit card balances in full on all your cards 0 Yes 12 No Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Don't know Not selected Not selected Selected Not selected Not selected Yes Yes The Same Very fairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No No Somewhat Familiar Neither helpful nor unhelpful 55 to 59 Completed high school Yes 4 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more One Male Transactors Not selected Selected Know APR and have no balance 3433 22903 0.81225 2 4 2011 Midwest Landline RDD Qualified Transactors Yes Two More than Six Times You always pay your credit card balances in full on all your cards 40 Yes 18 Yes Not selected Not selected Selected Not selected Not selected Not selected Don't know Don't know Yes Selected Not selected Not selected Not selected Not selected Not selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected Don't know No Less Neither fairly nor unfairly Somewhat Dissatisfied Neither Satisfied nor Dissatisfied No No Not at all Familiar 60 to 64 "Some college, not completed" Yes 2 Yes Selected Not selected Not selected Not selected Not selected Not selected Not selected Hispanic Excellent No You are certain you could come up with the full $2000 $100K or more One Female Transactors Selected Selected Know APR and have no balance 3462 24565 0.74119 2 4 2011 Midwest Landline RDD Qualified Transactors Yes One More than Six Times You always pay your credit card balances in full on all your cards 0 Don't know No Yes Don't know No Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Don't know Yes Don't know Not selected Not selected Selected Not selected Not selected Yes Don't know The Same Very fairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No No Not at all Familiar 75 to 84 Completed high school Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $50K to less than $75K One Male Transactors Not selected Selected Don't know APR and have no balance 3479 26389 1.06447 2 4 2011 Midwest Landline RDD Qualified Transactors Yes Three Five or Six Times You always pay your credit card balances in full on all your cards 60 Yes 21 No Yes No Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected Yes Yes Less Somewhat fairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No No Not Very Familiar Somewhat unhelpful 35 to 44 "Some college, not completed" Yes 4 Yes Selected Not selected Not selected Not selected Not selected Not selected Not selected Hispanic Excellent No You are certain you could come up with the full $2000 $100K or more One Male Transactors Not selected Selected Know APR and have no balance 3466 15600 0.81225 2 4 2011 Midwest Landline RDD Qualified Transactors Yes Two More than Six Times You always pay your credit card balances in full on all your cards 0 Don't know Yes Not selected Not selected Not selected Selected Not selected Not selected Yes Don't know Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes No No Not selected Not selected Selected Not selected Not selected No No The Same Don't know Refused Refused No No Not Very Familiar Neither helpful nor unhelpful 50 to 54 Completed college No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $75K to less than $100K One Female Transactors Not selected Selected Don't know APR and have no balance 3555 19557 1.06447 2 4 2011 Midwest Landline RDD Unqualified Yes One You do not use any of your general purpose credit cards No 35 to 44 Completed college Yes 4 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent $75K to less than $100K One Male Not selected Not Selected 3467 31386 0.96729 2 4 2011 Midwest Landline RDD Qualified Revolvers - large balance Yes Four or More Once or Twice You sometimes pay your credit card balances in full and sometimes carry a balance from month to month $5000 or more You usually pay the same PERCENTAGE of the bill each month 29 0 Yes 29 No Yes Yes Yes Selected Not selected Not selected Not selected Not selected Not selected Not selected Not selected Yes No No Not selected Selected Not selected Not selected Not selected Yes Yes More Very fairly Extremely Dissatisfied Extremely Dissatisfied No No Not at all Familiar 60 to 64 Refused Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good Yes You are certain you could come up with the full $2000 $50K to less than $75K One Female Revolvers Selected Selected Know both interest paid and APR 3569 30758 1.04872 2 4 2011 Midwest Landline RDD Unqualified No Yes Other 50 to 54 Completed high school No 1 No Not selected Selected Not selected Not selected Not selected Not selected Not selected Black/African-American (non-Hispanic) Poor $25K to less than $30K One Female Not selected Not Selected 3587 24740 1.22383 2 4 2011 Midwest Landline RDD Unqualified No Yes You decided to close the account and make purchases in other ways such as with a debit card 45 to 49 "Some college, not completed" Yes 4 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent $30K to less than $40K One Female Not selected Not Selected 3526 20995 0.96729 2 4 2011 Midwest Landline RDD Qualified Revolvers - large balance Yes Three Once or Twice You usually carry a balance from month to month on at least one of your cards $5000 or more The amount and percentage of the bill that you pay each month varies from month to month Don't know 0 Don't know Yes Selected Not selected Not selected Not selected Not selected Not selected Yes Yes Don't know Selected Not selected Not selected Not selected Not selected Not selected Not selected Not selected Yes Yes Yes Selected Not selected Not selected Not selected Not selected Yes Yes More Neither fairly nor unfairly Somewhat Dissatisfied Somewhat Satisfied No No Somewhat Familiar Neither helpful nor unhelpful 50 to 54 Completed high school No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair No You are certain you could NOT raise the full $2000 $20K to less than $25K One Female Revolvers Selected Selected Know neither interest paid nor APR 3523 26091 1.06447 2 4 2011 Midwest Landline RDD Qualified Revolvers - large balance Yes Four or More You do not use any of your general purpose credit cards Yes $5000 or more The amount and percentage of the bill that you pay each month varies from month to month Don't know 0 Yes 12 Yes Selected Not selected Not selected Not selected Not selected Not selected Yes Yes No Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected No No The Same Somewhat fairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No No Somewhat Familiar Neither helpful nor unhelpful 35 to 44 "Some college, not completed" Yes 6 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You could probably NOT come up with $2000 $75K to less than $100K One Male Revolvers Not selected Selected Know APR but not interest paid 3518 26842 0.81225 2 4 2011 Midwest Landline RDD Qualified Revolvers - small balance Yes One Once or Twice You sometimes pay your credit card balances in full and sometimes carry a balance from month to month Less than $500 The amount and percentage of the bill that you pay each month varies from month to month 50 0 Yes 12 No Yes Yes Yes Selected Selected Not selected Selected Not selected Not selected Not selected Not selected Yes No Yes Not selected Not selected Selected Not selected Not selected Yes Yes The Same Somewhat fairly Extremely Dissatisfied Somewhat Dissatisfied No No Not at all Familiar 60 to 64 "Some college, not completed" Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You could probably come up with $2000 $30K to less than $40K One Female Revolvers Selected Selected Know both interest paid and APR 3525 22034 1.22383 2 4 2011 Midwest Landline RDD Qualified Transactors Yes One More than Six Times You always pay your credit card balances in full on all your cards 0 Yes 11 No Yes No Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Yes Not selected Not selected Selected Not selected Not selected Yes Yes The Same Very fairly Somewhat Satisfied Somewhat Satisfied No No Somewhat Familiar Somewhat helpful 45 to 49 "Some college, not completed" Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You could probably come up with $2000 $50K to less than $75K One Female Transactors Not selected Selected Know APR and have no balance 3606 16049 0.63199 2 4 2011 South Landline RDD Unqualified No No 85 or older "Some college, not completed" No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good $30K to less than $40K One Male Not selected Not Selected 3531 32440 0.81225 2 4 2011 Midwest Landline RDD Qualified Revolvers - large balance Yes Four or More Three or Four Times You usually carry a balance from month to month on at least one of your cards $5000 or more You usually pay only the MINIMUM AMOUNT due each month 200 70 Yes 0.09 No Yes Yes Yes Not selected Selected Not selected Not selected Not selected Not selected Not selected Not selected Yes No Don't know Not selected Not selected Selected Not selected Not selected Yes Yes The Same Somewhat fairly Somewhat Dissatisfied Somewhat Satisfied No No Not at all Familiar 50 to 54 Completed college Yes 4 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You could probably NOT come up with $2000 $40K to less than $50K One Female Revolvers Selected Selected Know both interest paid and APR 3530 27254 0.62239 2 4 2011 Midwest Landline RDD Qualified Transactors Yes Two More than Six Times You always pay your credit card balances in full on all your cards 0 Yes 0.19 Yes Selected Not selected Not selected Not selected Not selected Not selected Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Yes Not selected Not selected Selected Not selected Not selected Yes Yes The Same Very fairly Somewhat Dissatisfied Somewhat Satisfied No No Somewhat Familiar Somewhat helpful 70 to 74 "Some college, not completed" Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $50K to less than $75K One Male Transactors Not selected Selected Know APR and have no balance 3571 22836 1.22383 2 4 2011 Midwest Landline RDD Qualified Transactors Yes Two More than Six Times You always pay your credit card balances in full on all your cards 75 Don't know Yes Not selected Not selected Selected Not selected Not selected Not selected Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes No Selected Not selected Not selected Not selected Not selected Yes Yes The Same Somewhat fairly Somewhat Dissatisfied Neither Satisfied nor Dissatisfied No No Somewhat Familiar Neither helpful nor unhelpful 45 to 49 "Some college, not completed" Yes 5 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You are certain you could come up with the full $2000 $50K to less than $75K One Female Transactors Not selected Selected Don't know APR and have no balance 3559 33665 0.35779 2 4 2011 Midwest Landline RDD Qualified Transactors Yes Three Once or Twice You always pay your credit card balances in full on all your cards 0 Yes 9.9 Yes Not selected Not selected Selected Not selected Not selected Not selected Yes Yes No Not selected Selected Not selected Not selected Not selected Not selected Not selected Not selected Yes Yes No Selected Not selected Not selected Not selected Not selected No No Less Neither fairly nor unfairly Extremely Dissatisfied Extremely Dissatisfied No No Somewhat Familiar Neither helpful nor unhelpful 70 to 74 Post graduate work No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $50K to less than $75K Two Female Transactors Selected Selected Know APR and have no balance 3627 21972 0.71738 2 4 2011 South Landline RDD Unqualified No Yes Other 55 to 59 Completed college No 1 Refused Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Poor Under $15K One Male Not selected Not Selected 3632 19222 0.86529 2 4 2011 South Landline RDD Unqualified No No 70 to 74 Completed high school No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Poor Refused Refused Female Not selected Not Selected 3629 14412 1.07156 2 4 2011 South Landline RDD Unqualified No Yes You fell behind on your payments and the bank closed your account 25 to 34 Completed high school No 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Poor $20K to less than $25K One Male Not selected Not Selected 3619 14606 0.43265 2 4 2011 South Landline RDD Unqualified No No 75 to 84 Completed high school Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good $15K to less than $20K Two Female Not selected Not Selected 3635 15225 1.60143 2 4 2011 South Landline RDD Unqualified No No Under 25 "Some high school, not completed" No 3 No Not selected Selected Not selected Not selected Not selected Not selected Not selected Black/African-American (non-Hispanic) Fair Refused Refused Male Not selected Not Selected 3585 28314 1.06447 2 4 2011 Midwest Landline RDD Qualified Transactors Yes One More than Six Times You always pay your credit card balances in full on all your cards 0 Don't know Yes Not selected Not selected Selected Not selected Not selected Not selected Don't know Don't know Don't know Yes Yes Don't know Not selected Selected Not selected Not selected Not selected Yes Yes The Same Somewhat fairly Extremely Dissatisfied Neither Satisfied nor Dissatisfied No No Not Very Familiar Very helpful 35 to 44 Post graduate work Yes 5 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more One Male Transactors Not selected Selected Don't know APR and have no balance 3591 24921 1.22383 2 4 2011 Midwest Landline RDD Qualified Revolvers - medium balance Yes One Five or Six Times You sometimes pay your credit card balances in full and sometimes carry a balance from month to month $1000 to $1999 The amount and percentage of the bill that you pay each month varies from month to month 0 0 Yes 0 No Yes Yes Yes Not selected Not selected Not selected Selected Not selected Not selected Not selected Not selected Yes Yes Yes Selected Not selected Not selected Not selected Not selected Yes Yes Less Somewhat fairly Extremely Satisfied Somewhat Satisfied Yes Don't know Somewhat Familiar Somewhat helpful 35 to 44 Completed college Yes 5 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You could probably come up with $2000 $100K or more One Female Revolvers Not selected Selected Know both interest paid and APR 1227 22812 0.81225 2 4 2011 Midwest Landline RDD Qualified Transactors Yes Four or More More than Six Times You always pay your credit card balances in full on all your cards 0 Don't know No Don't know Don't know Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Don't know Not selected Not selected Selected Not selected Not selected Yes Yes The Same Very fairly Neither Satisfied nor Dissatisfied Don't know No No Very Familiar Very helpful 60 to 64 Completed college Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more One Female Transactors Not selected Selected Don't know APR and have no balance 3597 23606 0.84134 2 4 2011 Midwest Landline RDD Qualified Transactors Yes One More than Six Times You always pay your credit card balances in full on all your cards Don't know Don't know No Don't know Don't know Yes Not selected Selected Not selected Not selected Not selected Not selected Not selected Not selected Yes Yes Don't know Selected Not selected Not selected Not selected Not selected Yes Yes Less Very fairly Somewhat Dissatisfied Somewhat Dissatisfied No No Not at all Familiar 50 to 54 Completed high school No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Poor No You are certain you could come up with the full $2000 $50K to less than $75K One Male Transactors Selected Selected Don't know APR and have no balance 3618 23057 1.2427 2 4 2011 South Landline RDD Qualified Transactors Yes Four or More Once or Twice You always pay your credit card balances in full on all your cards Don't know Don't know No Don't know Yes Don't know Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Don't know Not selected Not selected Selected Not selected Not selected Yes Yes The Same Very fairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No No Not at all Familiar 35 to 44 "Some college, not completed" Yes 4 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You are certain you could come up with the full $2000 $100K or more One Female Transactors Not selected Selected Don't know APR and have no balance 3669 23789 1.2872 2 4 2011 South Landline RDD Unqualified No No 45 to 49 Completed high school No 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair $15K to less than $20K One Male Not selected Not Selected 3626 31166 0.71738 2 4 2011 South Landline RDD Qualified Revolvers - large balance Yes One Three or Four Times You sometimes pay your credit card balances in full and sometimes carry a balance from month to month $5000 or more The amount and percentage of the bill that you pay each month varies from month to month 2000 0 Yes 11.05 Yes Selected Selected Selected Not selected Not selected Not selected Yes Yes Yes Selected Not selected Not selected Not selected Not selected Not selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected No No Less Neither fairly nor unfairly Somewhat Dissatisfied Neither Satisfied nor Dissatisfied No No Very Familiar Very unhelpful 50 to 54 "Some college, not completed" Yes 2 No Selected Not selected Selected Not selected Not selected Not selected Not selected Other (non-Hispanic) Good No You are certain you could come up with the full $2000 $75K to less than $100K One Male Revolvers Selected Selected Know both interest paid and APR 3683 26105 1.07156 2 4 2011 South Landline RDD Unqualified No No 25 to 34 Completed high school No 2 Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Hispanic Fair $25K to less than $30K One Male Not selected Not Selected 3717 18998 0.73395 2 4 2011 South Landline RDD Unqualified No No 50 to 54 "Some high school, not completed" Yes 1 No Not selected Selected Selected Not selected Not selected Not selected Not selected Other (non-Hispanic) Poor Under $15K Two Female Not selected Not Selected 3631 17986 0.82478 2 4 2011 South Landline RDD Qualified Transactors Yes Two Three or Four Times You always pay your credit card balances in full on all your cards 0 Yes 23 No Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Don't know Not selected Not selected Selected Not selected Not selected Yes Yes Less Somewhat unfairly Somewhat Satisfied Somewhat Satisfied No No Somewhat Familiar Somewhat helpful 60 to 64 Completed college No 1 Yes Selected Not selected Not selected Not selected Not selected Not selected Not selected Hispanic Excellent No You are certain you could come up with the full $2000 Refused One Female Transactors Not selected Selected Know APR and have no balance 3679 15488 1.08089 2 4 2011 South Landline RDD Qualified Transactors Yes One Once or Twice You always pay your credit card balances in full on all your cards 0 Don't know No Don't know Don't know Don't know Don't know Don't know Don't know Don't know Don't know The Same Neither fairly nor unfairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No No Not at all Familiar 45 to 49 Post graduate work Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more One Male Transactors Not selected Selected Don't know APR and have no balance 3776 32591 0.35869 2 4 2011 South Landline RDD Unqualified Yes Two You do not use any of your general purpose credit cards No 55 to 59 "Some college, not completed" No 2 Refused Not selected Not selected Not selected Not selected Not selected Not selected Selected Other (non-Hispanic) Fair Under $15K Two Male Not selected Not Selected 1210 28515 0.89981 2 4 2011 South Landline RDD Unqualified No Yes You decided to close the account and make purchases in other ways such as with a debit card 25 to 34 "Some college, not completed" Yes 5 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good $50K to less than $75K One Male Not selected Not Selected 3718 29486 1.2427 2 4 2011 South Landline RDD Qualified Revolvers - small balance Yes One Three or Four Times You usually carry a balance from month to month on at least one of your cards Less than $500 The amount and percentage of the bill that you pay each month varies from month to month Don't know 300 Yes 2.4 No No Yes Yes Not selected Not selected Not selected Selected Not selected Not selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected Yes Yes More Very fairly Extremely Satisfied Neither Satisfied nor Dissatisfied No No Not Very Familiar Neither helpful nor unhelpful 35 to 44 Completed college Yes 4 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair No You could probably come up with $2000 $25K to less than $30K One Female Revolvers Not selected Selected Know APR but not interest paid 3813 29855 1.84117 2 4 2011 South Landline RDD Unqualified No No Under 25 "Some high school, not completed" No 3 No Selected Selected Selected Not selected Not selected Not selected Not selected Other (non-Hispanic) Excellent Under $15K Refused Female Not selected Not Selected 3720 30588 0.41239 2 4 2011 South Landline RDD Qualified Revolvers - medium balance Yes Four or More Once or Twice You sometimes pay your credit card balances in full and sometimes carry a balance from month to month $2000 to $2999 The amount and percentage of the bill that you pay each month varies from month to month Don't know 15 Yes 18.34 Yes Selected Not selected Not selected Not selected Not selected Not selected Yes Don't know Yes Not selected Not selected Selected Selected Not selected Not selected Not selected Not selected Yes No Yes Selected Not selected Not selected Not selected Not selected No Yes Less Somewhat fairly Extremely Dissatisfied Extremely Dissatisfied No No Not at all Familiar 60 to 64 Completed college Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You are certain you could come up with the full $2000 $30K to less than $40K Two Female Revolvers Selected Selected Know APR but not interest paid 3732 26824 0.71738 2 4 2011 South Landline RDD Qualified Transactors Yes One More than Six Times You always pay your credit card balances in full on all your cards 0 Don't know Yes Not selected Not selected Selected Not selected Not selected Not selected No No Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected No Yes Don't know Not selected Not selected Selected Not selected Not selected Yes Yes The Same Very fairly Neither Satisfied nor Dissatisfied Extremely Satisfied No No Not at all Familiar 60 to 64 Completed college Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more One Male Transactors Not selected Selected Don't know APR and have no balance 3750 18755 1.2427 2 4 2011 South Landline RDD Qualified Revolvers - small balance Yes Four or More More than Six Times You sometimes pay your credit card balances in full and sometimes carry a balance from month to month Less than $500 You usually pay the same AMOUNT each month 21 Don't know Yes 21 Yes Not selected Not selected Selected Not selected Not selected Not selected Yes Yes Yes Selected Not selected Not selected Not selected Not selected Not selected Not selected Not selected Yes Yes Don't know Not selected Not selected Selected Not selected Not selected Yes Yes Less Somewhat unfairly Extremely Dissatisfied Extremely Dissatisfied No No Somewhat Familiar Somewhat unhelpful 45 to 49 "Some college, not completed" Yes 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair No You could probably come up with $2000 $100K or more One Female Revolvers Selected Selected Know both interest paid and APR 3831 27191 0.88614 2 4 2011 Midwest Landline RDD Unqualified No No 25 to 34 Completed college No 4 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good Refused One Male Not selected Not Selected 801 21535 1.22383 2 4 2011 Midwest Landline RDD Qualified Transactors Yes Two More than Six Times You always pay your credit card balances in full on all your cards 0 Yes 18 No Yes No Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Yes Not selected Not selected Selected Not selected Not selected Yes Yes The Same Very fairly Somewhat Satisfied Somewhat Satisfied No No Not at all Familiar 35 to 44 Completed college Yes 4 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 Refused One Female Transactors Not selected Selected Know APR and have no balance 3835 22027 1.26765 2 4 2011 Midwest Landline RDD Unqualified No Yes You decided to close the account and make purchases in other ways such as with a debit card 35 to 44 Completed high school Yes 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Poor $20K to less than $25K One Male Not selected Not Selected 3785 19285 0.68719 2 4 2011 Midwest Landline RDD Qualified Revolvers - medium balance Yes Four or More More than Six Times You sometimes pay your credit card balances in full and sometimes carry a balance from month to month $1000 to $1999 The amount and percentage of the bill that you pay each month varies from month to month 500 0 Yes 12.9 Yes Not selected Not selected Not selected Selected Not selected Not selected Yes Don't know Yes Not selected Selected Not selected Not selected Not selected Not selected Not selected Not selected Yes Yes Don't know Not selected Not selected Selected Not selected Not selected Yes Yes The Same Very fairly Neither Satisfied nor Dissatisfied Somewhat Satisfied No No Somewhat Familiar Somewhat helpful 45 to 49 Completed high school Yes 2 No Not selected Not selected Not selected Not selected Not selected Not selected Selected Other (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more Two Male Revolvers Selected Selected Know both interest paid and APR 3770 24276 0.71738 2 4 2011 South Landline RDD Qualified Yes Four or More Three or Four Times You sometimes pay your credit card balances in full and sometimes carry a balance from month to month Refused The amount and percentage of the bill that you pay each month varies from month to month Don't know 0 Refused Yes Not selected Not selected Not selected Not selected Not selected Selected Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Yes Not selected Not selected Selected Not selected Not selected No Yes Less Refused Extremely Dissatisfied Somewhat Dissatisfied No No Very Familiar Very unhelpful 50 to 54 Post graduate work Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You are certain you could come up with the full $2000 Refused One Male Not selected Selected Refused at least one of the two questions 3740 33215 1.2427 2 4 2011 South Landline RDD Qualified Revolvers - large balance Yes Two Once or Twice You sometimes pay your credit card balances in full and sometimes carry a balance from month to month $5000 or more The amount and percentage of the bill that you pay each month varies from month to month 500 0 Yes 20 No Yes Yes Yes Selected Not selected Not selected Not selected Not selected Not selected Not selected Not selected Yes Yes Yes Not selected Selected Not selected Not selected Not selected Yes Yes The Same Very fairly Extremely Dissatisfied Somewhat Dissatisfied Yes No Somewhat Familiar Somewhat helpful 35 to 44 Completed college Yes 6 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good Yes You could probably come up with $2000 $100K or more One Female Revolvers Selected Selected Know both interest paid and APR 3808 32828 0.81225 2 4 2011 Midwest Landline RDD Qualified Revolvers - large balance Yes Two Once or Twice You usually carry a balance from month to month on at least one of your cards $3000 to $3999 You usually pay the same AMOUNT each month Don't know 35 Yes 21 No Don't know Don't know Don't know Yes Yes Don't know Not selected Not selected Selected Not selected Not selected Don't know Don't know The Same Very fairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No No Not at all Familiar 50 to 54 Completed college Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You are certain you could come up with the full $2000 $75K to less than $100K One Female Revolvers Not selected Selected Know APR but not interest paid 1191 24843 0.71738 2 4 2011 South Landline RDD Qualified Transactors Yes One Once or Twice You always pay your credit card balances in full on all your cards 0 Yes 12 Yes Selected Not selected Not selected Not selected Not selected Not selected Yes Yes Yes Not selected Not selected Selected Not selected Not selected Not selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected Yes Yes Less Very fairly Extremely Dissatisfied Somewhat Satisfied No Yes 1 You received something in the mail or via e-mail about the card(s) You shopped around and compared several different cards before selecting the card(s) for which you applied Very easy 5 - Extremely important 5 - Extremely Important 1 - Not at all important 1 - Not at all important 1 - Not at all important 1 - Not at all important The permanent interest rate after the end of the introductory period Very Familiar Somewhat helpful 55 to 59 Post graduate work Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 Refused One Male Transactors Selected Selected Know APR and have no balance 3805 21141 0.75262 2 4 2011 South Landline RDD Qualified Transactors Yes Two Once or Twice You always pay your credit card balances in full on all your cards 0 Yes 21 No Don't know Don't know Don't know Yes Yes Don't know Not selected Not selected Selected Not selected Not selected Yes Yes The Same Very fairly Somewhat Satisfied Extremely Satisfied No No Somewhat Familiar Neither helpful nor unhelpful 75 to 84 Completed high school No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $30K to less than $40K One Male Transactors Not selected Selected Know APR and have no balance 3850 22031 0.84134 2 4 2011 Midwest Landline RDD Unqualified No No 60 to 64 Completed high school No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good Refused One Male Not selected Not Selected 3782 26818 1.22383 2 4 2011 Midwest Landline RDD Qualified Revolvers - large balance Yes Two Once or Twice You usually carry a balance from month to month on at least one of your cards $5000 or more You usually pay the same AMOUNT each month Don't know 0 Yes 21 Yes Not selected Not selected Selected Not selected Not selected Not selected Yes No Don't know Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes No Selected Not selected Not selected Not selected Not selected Yes Yes Less Somewhat unfairly Extremely Dissatisfied Neither Satisfied nor Dissatisfied Yes Yes 1 You received something in the mail or via e-mail about the card(s) You shopped around and compared several different cards before selecting the card(s) for which you applied Somewhat easy 5 - Extremely important 5 - Extremely Important 3 3 5 - Extremely Important 3 The introductory interest rate on balance transfers and/or purchases Somewhat Familiar Somewhat unhelpful 45 to 49 Completed college Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You are certain you could come up with the full $2000 $100K or more One Female Revolvers Not selected Selected Know APR but not interest paid 793 32968 0.89421 2 4 2011 South Landline RDD Qualified Yes Two You do not use any of your general purpose credit cards Yes Refused You usually pay the same AMOUNT each month 100 0 Yes 11 Yes Selected Not selected Not selected Not selected Not selected Not selected Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected No No The Same Neither fairly nor unfairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No No Somewhat Familiar Neither helpful nor unhelpful 60 to 64 "Some college, not completed" No 2 No Not selected Selected Not selected Not selected Not selected Not selected Not selected Black/African-American (non-Hispanic) Good No You are certain you could come up with the full $2000 $50K to less than $75K One Female Not selected Selected Know both interest paid and APR 3863 14308 1.2427 2 4 2011 South Landline RDD Unqualified No No 35 to 44 "Some college, not completed" Yes 4 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Poor $20K to less than $25K One Female Not selected Not Selected 3819 16687 1.08089 2 4 2011 South Landline RDD Qualified Revolvers - large balance Yes Four or More More than Six Times You usually carry a balance from month to month on at least one of your cards $5000 or more The amount and percentage of the bill that you pay each month varies from month to month 200 40 Yes 20 Yes Selected Not selected Not selected Not selected Not selected Not selected Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Yes Not selected Not selected Selected Not selected Not selected Yes No The Same Very fairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No No Not Very Familiar Neither helpful nor unhelpful 35 to 44 Completed college No 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Poor No You are certain you could come up with the full $2000 $100K or more One Male Revolvers Not selected Selected Know both interest paid and APR 3841 16136 0.71557 2 4 2011 Midwest Landline RDD Qualified Transactors Yes One More than Six Times You always pay your credit card balances in full on all your cards 0 Don't know No Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Yes Not selected Not selected Selected Not selected Not selected Yes Yes The Same Very fairly Neither Satisfied nor Dissatisfied Extremely Satisfied No No Somewhat Familiar Neither helpful nor unhelpful 65 to 69 "Some college, not completed" No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $25K to less than $30K One Female Transactors Not selected Selected Don't know APR and have no balance 824 27340 1.77434 2 4 2011 South Landline RDD Qualified Revolvers - large balance Yes Two More than Six Times You usually carry a balance from month to month on at least one of your cards $5000 or more The amount and percentage of the bill that you pay each month varies from month to month 500 0 Yes 12 No No No Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected Don't know No The Same Somewhat fairly Somewhat Satisfied Neither Satisfied nor Dissatisfied No Yes 1 Someone at your bank told you about it "You applied for card/cards that read/heard about and seemed attractive, but did not do a lot of comparative shopping" 5 - Extremely important 5 - Extremely Important 2 1 - Not at all important 5 - Extremely Important 3 The permanent interest rate after the end of the introductory period Not Very Familiar Somewhat helpful 35 to 44 "Some high school, not completed" Yes 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You could probably come up with $2000 $30K to less than $40K One Male Revolvers Not selected Selected Know both interest paid and APR 3840 28273 0.82478 2 4 2011 South Landline RDD Qualified Revolvers - medium balance Yes Four or More More than Six Times You sometimes pay your credit card balances in full and sometimes carry a balance from month to month $2000 to $2999 The amount and percentage of the bill that you pay each month varies from month to month 23 65 Don't know Yes Not selected Not selected Selected Not selected Not selected Not selected Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected No No The Same Very fairly Somewhat Dissatisfied Somewhat Dissatisfied Yes No Somewhat Familiar Neither helpful nor unhelpful 60 to 64 Completed college Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more One Female Revolvers Not selected Selected Know interest paid but not APR 3900 30841 0.88614 2 4 2011 Midwest Landline RDD Unqualified No No 25 to 34 Completed college Yes 6 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good $50K to less than $75K One Male Not selected Not Selected 3880 26772 0.23852 2 4 2011 Midwest Landline RDD Qualified Transactors Yes Two More than Six Times You always pay your credit card balances in full on all your cards 0 Don't know No No No No Yes Yes Don't know Selected Not selected Not selected Not selected Not selected Don't know Yes The Same Somewhat fairly Somewhat Satisfied Neither Satisfied nor Dissatisfied No No Not Very Familiar Neither helpful nor unhelpful 75 to 84 Post graduate work Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 Don't know Three or more Female Transactors Not selected Selected Don't know APR and have no balance 2081 19956 1.22383 2 4 2011 Midwest Landline RDD Qualified Revolvers - large balance Yes Four or More Once or Twice You usually carry a balance from month to month on at least one of your cards $4000 to $4999 The amount and percentage of the bill that you pay each month varies from month to month 100 0 Don't know Yes Not selected Not selected Selected Not selected Not selected Not selected Yes Yes Yes Not selected Not selected Not selected Not selected Selected Not selected Not selected Not selected No Yes Yes Not selected Not selected Selected Not selected Not selected Yes Yes The Same Neither fairly nor unfairly Somewhat Satisfied Somewhat Satisfied No Yes 1 You received something in the mail or via e-mail about the card(s) "You applied for card/cards that read/heard about and seemed attractive, but did not do a lot of comparative shopping" 4 5 - Extremely Important 3 4 4 1 - Not at all important The permanent interest rate after the end of the introductory period Somewhat Familiar Neither helpful nor unhelpful 35 to 44 Post graduate work Yes 4 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Poor Yes You could probably NOT come up with $2000 $100K or more One Female Revolvers Not selected Selected Know interest paid but not APR 3874 27763 1.07156 2 4 2011 South Landline RDD Qualified Revolvers - small balance Yes Three Once or Twice You usually carry a balance from month to month on at least one of your cards $500 to $999 You usually pay the same AMOUNT each month 50 125 Yes 17.5 No No No Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected No Yes Less Neither fairly nor unfairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No No Not Very Familiar Neither helpful nor unhelpful 25 to 34 Completed high school Yes 2 No Not selected Not selected Selected Not selected Not selected Not selected Not selected American Indian or Alaska Native (non-Hispanic) Fair No You are certain you could NOT raise the full $2000 $40K to less than $50K One Male Revolvers Not selected Selected Know both interest paid and APR 3843 23625 1.0188 2 4 2011 Midwest Landline RDD Qualified Revolvers - medium balance Yes Three You do not use any of your general purpose credit cards Yes $1000 to $1999 The amount and percentage of the bill that you pay each month varies from month to month Don't know 0 Don't know No No Yes No Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected No No Less Somewhat fairly Extremely Dissatisfied Somewhat Dissatisfied No Yes 1 Someone at a store at which you were shopping told you about it "You applied for card/cards that read/heard about and seemed attractive, but did not do a lot of comparative shopping" 1 - Not at all important 5 - Extremely Important 5 - Extremely Important 5 - Extremely Important 3 3 The permanent interest rate after the end of the introductory period Not at all Familiar 25 to 34 Post graduate work Yes 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair No You are certain you could NOT raise the full $2000 $40K to less than $50K One Female Revolvers Not selected Selected Know neither interest paid nor APR 3902 31701 0.35779 2 4 2011 Midwest Landline RDD Unqualified No Yes Other 65 to 69 "Some college, not completed" No 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent $30K to less than $40K Two Female Not selected Not Selected 3878 24632 0.81225 2 4 2011 Midwest Landline RDD Qualified Transactors Yes One More than Six Times You always pay your credit card balances in full on all your cards 0 Don't know No Yes Don't know Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Yes Not selected Not selected Selected Not selected Not selected Yes Yes The Same Very fairly Somewhat Satisfied Somewhat Satisfied No No Somewhat Familiar Somewhat helpful 60 to 64 "Some college, not completed" Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You could probably come up with $2000 $20K to less than $25K One Female Transactors Not selected Selected Don't know APR and have no balance 3924 32955 0.9822 2 4 2011 South Landline RDD Unqualified Yes One You do not use any of your general purpose credit cards No 55 to 59 Completed high school No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good Under $15K One Female Not selected Not Selected 3890 19971 0.40794 2 4 2011 Midwest Landline RDD Qualified Transactors Yes Three More than Six Times You always pay your credit card balances in full on all your cards 0 Don't know Yes Selected Not selected Not selected Not selected Not selected Not selected Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Don't know Yes Not selected Selected Not selected Not selected Not selected Yes Yes The Same Very fairly Neither Satisfied nor Dissatisfied Somewhat Satisfied No No Somewhat Familiar Somewhat helpful 35 to 44 Completed college Yes 4 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You are certain you could come up with the full $2000 $100K or more Three or more Female Transactors Not selected Selected Don't know APR and have no balance 3888 16502 0.27074 2 4 2011 Midwest Landline RDD Qualified Transactors Yes One Three or Four Times You always pay your credit card balances in full on all your cards 0 Don't know No Yes No Yes Not selected Selected Not selected Not selected Not selected Not selected Not selected Not selected Yes Yes Yes Not selected Selected Not selected Not selected Not selected No Yes The Same Very fairly Extremely Dissatisfied Somewhat Dissatisfied No No Not at all Familiar 60 to 64 "Some college, not completed" Yes 4 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You could probably NOT come up with $2000 $30K to less than $40K Three or more Female Transactors Selected Selected Don't know APR and have no balance 3929 18816 0.89981 2 4 2011 South Landline RDD Unqualified No No Under 25 "Some college, not completed" No 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair $15K to less than $20K One Male Not selected Not Selected 3898 30119 0.88614 2 4 2011 Midwest Landline RDD Qualified Transactors Yes One Once or Twice You always pay your credit card balances in full on all your cards 0 Yes 14.99 No Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected Yes Yes More Very fairly Extremely Satisfied Extremely Satisfied No No Very Familiar Very helpful 25 to 34 Completed college No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $40K to less than $50K Don't know Male Transactors Not selected Selected Know APR and have no balance 3988 30214 1.22999 2 4 2011 West Landline RDD Unqualified No No 35 to 44 "Some college, not completed" No 3 No Not selected Selected Not selected Not selected Not selected Not selected Not selected Black/African-American (non-Hispanic) Fair $40K to less than $50K One Male Not selected Not Selected 3997 32626 1.08581 2 4 2011 West Landline RDD Unqualified Yes Two You do not use any of your general purpose credit cards No Under 25 Completed college No 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good $75K to less than $100K One Female Not selected Not Selected 4064 20229 1.12469 2 4 2011 West Landline RDD Unqualified No No Under 25 Completed high school No 3 Yes Not selected Not selected Not selected Not selected Not selected Not selected Selected Hispanic Poor $20K to less than $25K One Male Not selected Not Selected 3950 30648 0.86567 2 4 2011 West Landline RDD Qualified Revolvers - large balance Yes Two More than Six Times You sometimes pay your credit card balances in full and sometimes carry a balance from month to month $5000 or more The amount and percentage of the bill that you pay each month varies from month to month 300 0 Don't know No Don't know No Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes No Don't know Not selected Not selected Selected Not selected Not selected Yes Yes Less Very fairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No No Very Familiar Neither helpful nor unhelpful 55 to 59 "Some college, not completed" Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more One Female Revolvers Not selected Selected Know interest paid but not APR 4062 24935 0.9082 2 4 2011 West Landline RDD Unqualified Yes One You do not use any of your general purpose credit cards No 75 to 84 Completed high school No 1 No Selected Not selected Not selected Selected Not selected Not selected Not selected Other (non-Hispanic) Excellent $20K to less than $25K One Female Not selected Not Selected 4069 25197 1.08581 2 4 2011 West Landline RDD Unqualified No No 25 to 34 "Some college, not completed" Yes 2 No Not selected Not selected Not selected Not selected Not selected Selected Not selected Other (non-Hispanic) Don't know $30K to less than $40K One Female Not selected Not Selected 4116 30637 0.93855 2 4 2011 West Landline RDD Unqualified No Yes You fell behind on your payments and the bank closed your account 55 to 59 "Some college, not completed" No 2 No Not selected Selected Not selected Not selected Not selected Not selected Not selected Black/African-American (non-Hispanic) Poor $15K to less than $20K One Female Not selected Not Selected 4163 21672 1.13449 2 4 2011 West Landline RDD Unqualified No No 45 to 49 "Some college, not completed" No 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Poor Refused One Male Not selected Not Selected 4107 26918 0.86567 2 4 2011 West Landline RDD Unqualified No No Refused "Some college, not completed" Yes 4 No Not selected Not selected Not selected Selected Not selected Not selected Not selected Asian/Pacific Islander (non-Hispanic) Good $30K to less than $40K One Female Not selected Not Selected 4174 22454 1.12469 2 4 2011 West Landline RDD Unqualified No No 25 to 34 Completed high school No 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair Under $15K One Male Not selected Not Selected 4167 20649 0.35959 2 4 2011 West Landline RDD Unqualified Yes Two You do not use any of your general purpose credit cards No 70 to 74 "Some college, not completed" No 2 No Not selected Selected Not selected Not selected Not selected Not selected Not selected Black/African-American (non-Hispanic) Excellent $50K to less than $75K Two Male Not selected Not Selected 4032 18128 1.13449 2 4 2011 West Landline RDD Qualified Transactors Yes Three Once or Twice You always pay your credit card balances in full on all your cards 0 Yes 14 Yes Not selected Not selected Selected Not selected Not selected Not selected Yes Yes Yes Selected Selected Selected Selected Not selected Not selected Not selected Not selected Yes Yes No Selected Not selected Not selected Not selected Not selected Yes Yes The Same Very fairly Somewhat Dissatisfied Somewhat Dissatisfied No No Not at all Familiar 45 to 49 Post graduate work Yes 4 Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Hispanic Good No You could probably come up with $2000 $100K or more One Male Transactors Selected Selected Know APR and have no balance 4182 24924 1.08889 2 4 2011 West Landline RDD Unqualified No Yes You decided to close the account and make purchases in other ways such as with a debit card 65 to 69 "Some high school, not completed" Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good $50K to less than $75K One Male Not selected Not Selected 4055 27506 0.9082 2 4 2011 West Landline RDD Qualified Transactors Yes One Once or Twice You always pay your credit card balances in full on all your cards 0 Don't know No Yes Don't know No Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected No Don't know No No No Less Somewhat fairly Somewhat Satisfied Somewhat Satisfied No No Not at all Familiar 75 to 84 Completed high school No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $30K to less than $40K One Female Transactors Not selected Selected Don't know APR and have no balance 4041 30420 0.9082 2 4 2011 West Landline RDD Qualified Revolvers - small balance Yes Two Once or Twice You sometimes pay your credit card balances in full and sometimes carry a balance from month to month Less than $500 You usually pay the same AMOUNT each month 100 Don't know Yes 7 No Don't know No Yes Not selected Selected Not selected Not selected Not selected Not selected Not selected Not selected Yes Yes No Selected Not selected Not selected Not selected Not selected No Refused Less Somewhat fairly Somewhat Satisfied Somewhat Satisfied Yes No Not Very Familiar Somewhat helpful 75 to 84 Completed high school No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Poor Yes You are certain you could NOT raise the full $2000 Under $15K One Female Revolvers Selected Selected Know both interest paid and APR 4109 25352 1.42104 2 4 2011 West Landline RDD Qualified Revolvers - medium balance Yes One Once or Twice You usually carry a balance from month to month on at least one of your cards $1000 to $1999 The amount and percentage of the bill that you pay each month varies from month to month 0 0 Yes 9 Yes Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Yes Not selected Not selected Selected Not selected Not selected Yes Yes The Same Very fairly Extremely Satisfied Extremely Satisfied No No Very Familiar Neither helpful nor unhelpful 55 to 59 Completed grade school or less No 1 Yes Selected Not selected Not selected Not selected Not selected Not selected Not selected Hispanic Excellent No You are certain you could come up with the full $2000 $100K or more One Female Revolvers Not selected Selected Know both interest paid and APR 3986 17069 0.86567 2 4 2011 West Landline RDD Qualified Revolvers - medium balance Yes Three Once or Twice You sometimes pay your credit card balances in full and sometimes carry a balance from month to month $1000 to $1999 You usually pay the same PERCENTAGE of the bill each month 20 0 Yes 15 Yes Not selected Not selected Not selected Selected Not selected Not selected Yes No Yes Selected Not selected Not selected Not selected Not selected Not selected Not selected Not selected Yes Yes No Selected Not selected Not selected Not selected Not selected No Yes Less Somewhat unfairly Somewhat Dissatisfied Neither Satisfied nor Dissatisfied No Yes 1 Other Other Not Very Familiar Neither helpful nor unhelpful 55 to 59 Completed college No 2 No Selected Not selected Selected Not selected Not selected Not selected Not selected Other (non-Hispanic) Excellent No You could probably come up with $2000 $50K to less than $75K One Female Revolvers Selected Selected Know both interest paid and APR 4009 27802 0.33167 2 4 2011 West Landline RDD Qualified Revolvers - large balance Yes Four or More More than Six Times You sometimes pay your credit card balances in full and sometimes carry a balance from month to month $5000 or more The amount and percentage of the bill that you pay each month varies from month to month 100 0 Yes 8.99 Yes Selected Selected Selected Not selected Not selected Not selected Yes Yes Yes Selected Selected Selected Selected Not selected Not selected Not selected Not selected Yes No No Not selected Not selected Selected Not selected Not selected No No Less Neither fairly nor unfairly Extremely Dissatisfied Neither Satisfied nor Dissatisfied No Yes 1 You received something in the mail or via e-mail about the card(s) Other Somewhat Familiar Neither helpful nor unhelpful 70 to 74 Completed college Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $75K to less than $100K Two Male Revolvers Selected Selected Know both interest paid and APR 4303 31848 0.86567 2 4 2011 West Landline RDD Unqualified No Yes You decided to close the account and make purchases in other ways such as with a debit card 60 to 64 Completed college Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good $40K to less than $50K One Female Not selected Not Selected 4155 32922 0.86567 2 4 2011 West Landline RDD Qualified Transactors Yes One Once or Twice You always pay your credit card balances in full on all your cards 0 Yes 0 No Yes Don't know No Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Don't know Don't know Don't know Yes Yes The Same Somewhat fairly Somewhat Dissatisfied Neither Satisfied nor Dissatisfied No No Not Very Familiar Somewhat unhelpful 55 to 59 Completed college No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 Under $15K One Female Transactors Not selected Selected Know APR and have no balance 4195 21385 1.08581 2 4 2011 West Landline RDD Qualified Transactors Yes One Once or Twice You always pay your credit card balances in full on all your cards 75 Yes 11 Yes Selected Not selected Not selected Not selected Not selected Not selected Yes No Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Don't know Not selected Not selected Selected Not selected Not selected Don't know No More Very fairly Somewhat Satisfied Neither Satisfied nor Dissatisfied No Yes 2 You saw an advertisement on the Internet You shopped around and compared several different cards before selecting the card(s) for which you applied Somewhat difficult 5 - Extremely important 5 - Extremely Important 5 - Extremely Important 2 4 4 The bonus you could earn by applying or by making a few purchases Somewhat Familiar Neither helpful nor unhelpful 25 to 34 Completed college Yes 5 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more One Female Transactors Not selected Selected Know APR and have no balance 4151 21630 1.0309 2 4 2011 West Landline RDD Qualified Revolvers - large balance Yes Four or More Once or Twice You usually carry a balance from month to month on at least one of your cards $3000 to $3999 You usually pay the same AMOUNT each month Refused 60 Yes 13 Yes Not selected Selected Not selected Not selected Not selected Not selected Yes Yes Yes Selected Not selected Selected Selected Not selected Not selected Not selected Not selected Yes Yes Don't know Selected Not selected Not selected Not selected Not selected Yes Yes Less Somewhat fairly Neither Satisfied nor Dissatisfied Somewhat Satisfied No No Somewhat Familiar Somewhat helpful 55 to 59 Completed high school Yes 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You are certain you could come up with the full $2000 $40K to less than $50K One Female Revolvers Selected Selected Refused at least one of the two questions 4340 26806 1.13449 2 4 2011 West Landline RDD Unqualified No Yes Other 35 to 44 Completed college Yes 3 Yes Selected Not selected Not selected Not selected Not selected Not selected Not selected Hispanic Excellent $50K to less than $75K One Male Not selected Not Selected 4240 15287 0.76263 2 4 2011 West Landline RDD Qualified Transactors Yes One More than Six Times You always pay your credit card balances in full on all your cards 0 Yes 0 No Yes Don't know Don't know Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes No Don't know Not selected Not selected Selected Not selected Not selected Refused Refused Refused Very fairly Neither Satisfied nor Dissatisfied Refused No No Somewhat Familiar Neither helpful nor unhelpful 75 to 84 "Some college, not completed" Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 Refused One Female Transactors Not selected Selected Know APR and have no balance 4323 30539 1.55032 2 4 2011 West Landline RDD Unqualified Yes Two You do not use any of your general purpose credit cards No 25 to 34 Completed grade school or less Yes 6 Yes Selected Not selected Not selected Not selected Selected Not selected Not selected Hispanic Fair $25K to less than $30K One Male Not selected Not Selected 4381 16865 1.2519 2 4 2011 West Landline RDD Unqualified No No 70 to 74 "Some high school, not completed" Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent $15K to less than $20K One Female Not selected Not Selected 4371 26654 1.12469 2 4 2011 West Landline RDD Unqualified No No Under 25 Completed high school No 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good $75K to less than $100K One Male Not selected Not Selected 4224 18058 0.43284 2 4 2011 West Landline RDD Qualified Revolvers - large balance Yes Three Once or Twice You usually carry a balance from month to month on at least one of your cards $3000 to $3999 The amount and percentage of the bill that you pay each month varies from month to month Don't know 0 Yes 0.17 Yes Selected Not selected Not selected Not selected Not selected Not selected Yes Yes Yes Not selected Selected Not selected Not selected Not selected Not selected Not selected Not selected Yes Yes No Selected Not selected Not selected Not selected Not selected Yes Yes Less Somewhat fairly Extremely Dissatisfied Neither Satisfied nor Dissatisfied No No Somewhat Familiar Somewhat helpful 60 to 64 Post graduate work Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair No You could probably come up with $2000 $100K or more Two Female Revolvers Selected Selected Know APR but not interest paid 4391 20347 0.86567 2 4 2011 West Landline RDD Unqualified Yes One You do not use any of your general purpose credit cards No 60 to 64 Completed college No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Don't know $20K to less than $25K One Female Not selected Not Selected 4374 19904 1.42104 2 4 2011 West Landline RDD Unqualified No No 60 to 64 Completed grade school or less No 1 Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Hispanic Excellent $15K to less than $20K One Female Not selected Not Selected 4284 24655 0.36194 2 4 2011 West Landline RDD Qualified Yes Two You do not use any of your general purpose credit cards Yes Refused The amount and percentage of the bill that you pay each month varies from month to month Don't know 0 Yes 10 No Yes Yes Yes Not selected Not selected Selected Not selected Not selected Not selected Not selected Not selected Yes Yes Don't know Not selected Not selected Selected Not selected Not selected Yes Yes The Same Very fairly Somewhat Satisfied Neither Satisfied nor Dissatisfied No No Not at all Familiar 25 to 34 Completed college Yes 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You are certain you could NOT raise the full $2000 $50K to less than $75K Three or more Female Selected Selected Know APR but not interest paid 4399 32517 1.2519 2 4 2011 West Landline RDD Unqualified No Yes You decided to close the account and make purchases in other ways such as with a debit card 75 to 84 Completed grade school or less No 1 No Selected Not selected Selected Not selected Not selected Not selected Not selected Other (non-Hispanic) Don't know Under $15K One Female Not selected Not Selected 4414 28150 1.2519 2 4 2011 West Landline RDD Unqualified No No 85 or older "Some high school, not completed" No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent Under $15K One Female Not selected Not Selected 4429 26241 0.3749 2 4 2011 West Landline RDD Unqualified No No Under 25 Completed high school No 3 Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Hispanic Fair Don't know Three or more Male Not selected Not Selected 4318 32942 1.13449 2 4 2011 West Landline RDD Qualified Transactors Yes One More than Six Times You always pay your credit card balances in full on all your cards 0 Don't know No Yes No Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected Yes Yes Less Very fairly Somewhat Satisfied Extremely Satisfied No No Not Very Familiar Neither helpful nor unhelpful 35 to 44 Post graduate work Yes 5 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more One Male Transactors Not selected Selected Don't know APR and have no balance 4431 23145 0.75295 2 4 2011 West Landline RDD Unqualified No No 50 to 54 "Some college, not completed" No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair $30K to less than $40K One Male Not selected Not Selected 4322 33664 1.35103 2 4 2011 West Landline RDD Qualified Transactors Yes Three More than Six Times You always pay your credit card balances in full on all your cards 0 Yes 10.99 Yes Not selected Selected Not selected Not selected Not selected Not selected Yes Don't know Don't know Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Don't know Not selected Not selected Selected Not selected Not selected Yes No The Same Somewhat fairly Somewhat Dissatisfied Somewhat Satisfied No No Not Very Familiar Neither helpful nor unhelpful 45 to 49 Completed high school Yes 5 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more One Male Transactors Not selected Selected Know APR and have no balance 4327 14381 0.75295 2 4 2011 West Landline RDD Qualified Revolvers - small balance Yes Three You do not use any of your general purpose credit cards Yes Less than $500 The amount and percentage of the bill that you pay each month varies from month to month 20 0 Refused Yes Not selected Selected Not selected Not selected Not selected Not selected Yes Yes Yes Selected Not selected Not selected Not selected Not selected Not selected Not selected Not selected Yes Yes No Not selected Selected Not selected Not selected Not selected Yes Yes Less Very unfairly Extremely Dissatisfied Somewhat Dissatisfied No No Somewhat Familiar Somewhat helpful 60 to 64 "Some college, not completed" No 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $30K to less than $40K One Male Revolvers Selected Selected Refused at least one of the two questions 4344 23826 1.55032 2 4 2011 West Landline RDD Qualified Transactors Yes One Once or Twice You always pay your credit card balances in full on all your cards 0 Don't know No Yes Yes Yes Not selected Not selected Selected Not selected Not selected Not selected Not selected Not selected Yes Yes Yes Not selected Selected Not selected Not selected Not selected Yes Yes More Very fairly Extremely Satisfied Somewhat Satisfied No No Somewhat Familiar Somewhat helpful Under 25 "Some high school, not completed" No 1 No Not selected Not selected Not selected Not selected Not selected Not selected Selected Other (non-Hispanic) Good No You could probably come up with $2000 $30K to less than $40K One Male Transactors Selected Selected Don't know APR and have no balance 4348 22453 0.33167 2 4 2011 West Landline RDD Qualified Transactors Yes Four or More More than Six Times You always pay your credit card balances in full on all your cards 0 Refused No Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected Yes Yes The Same Very unfairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No No Somewhat Familiar Neither helpful nor unhelpful 65 to 69 Post graduate work Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more Two Male Transactors Not selected Selected Refused at least one of the two questions 1426 24826 1.35103 2 4 2011 West Landline RDD Unqualified No No 45 to 49 Completed high school No 4 Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Hispanic Fair $20K to less than $25K One Male Not selected Not Selected 1471 18668 0.9082 2 4 2011 West Landline RDD Unqualified No No 70 to 74 Completed high school Yes 3 Yes Selected Not selected Not selected Not selected Not selected Not selected Not selected Hispanic Excellent $30K to less than $40K Don't know Female Not selected Not Selected 1383 21020 1.29306 2 4 2011 West Landline RDD Unqualified No Yes You closed some accounts and other accounts were closed by the bank 25 to 34 Completed high school No 3 Yes Selected Not selected Not selected Not selected Not selected Not selected Not selected Hispanic Fair $30K to less than $40K One Female Not selected Not Selected 4379 21222 0.66333 2 4 2011 West Landline RDD Qualified Transactors Yes Three Five or Six Times You always pay your credit card balances in full on all your cards 0 Don't know Yes Selected Not selected Not selected Not selected Not selected Not selected Yes Don't know Don't know Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Don't know Not selected Not selected Selected Not selected Not selected Yes Yes The Same Somewhat fairly Don't know Neither Satisfied nor Dissatisfied No No Not at all Familiar 65 to 69 Post graduate work No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $40K to less than $50K One Male Transactors Not selected Selected Don't know APR and have no balance 4409 28506 0.89667 2 4 2011 West Landline RDD Qualified Transactors Yes One Once or Twice You always pay your credit card balances in full on all your cards 0 Yes 0 Yes Not selected Not selected Not selected Selected Not selected Not selected Yes Don't know Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes No Don't know Not selected Not selected Selected Not selected Not selected No Don't know The Same Somewhat fairly Somewhat Satisfied Somewhat Satisfied No No Not at all Familiar 60 to 64 Completed high school Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $50K to less than $75K One Male Transactors Not selected Selected Know APR and have no balance 4464 27509 1.12469 2 4 2011 West Landline RDD Unqualified No Yes You decided to close the account and make purchases in other ways such as with a debit card 25 to 34 Completed high school Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good $20K to less than $25K One Male Not selected Not Selected 4465 30901 0.66333 2 4 2011 West Landline RDD Unqualified Don't know Don't know 75 to 84 Refused No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Don't know $15K to less than $20K One Male Not selected Not Selected 1291 18689 1.55032 2 4 2011 West Landline RDD Qualified Revolvers - small balance Yes One Once or Twice You sometimes pay your credit card balances in full and sometimes carry a balance from month to month Less than $500 The amount and percentage of the bill that you pay each month varies from month to month Don't know 0 Yes 12 No Yes No No Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected No Yes No Not selected Not selected Selected Not selected Not selected No No The Same Very fairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No No Not at all Familiar Under 25 "Some high school, not completed" No 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 Refused One Male Revolvers Not selected Selected Know APR but not interest paid 4430 25177 0.51546 2 4 2011 West Landline RDD Qualified Revolvers - medium balance Yes One Once or Twice You sometimes pay your credit card balances in full and sometimes carry a balance from month to month $1000 to $1999 The amount and percentage of the bill that you pay each month varies from month to month 400 45 Yes 18 No Yes Yes Yes Selected Not selected Not selected Not selected Not selected Not selected Not selected Not selected Yes Yes Yes Selected Not selected Not selected Not selected Not selected Yes Yes The Same Very fairly Somewhat Satisfied Somewhat Satisfied Yes No Not Very Familiar Somewhat helpful 55 to 59 Completed high school Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You are certain you could come up with the full $2000 $75K to less than $100K Two Female Revolvers Selected Selected Know both interest paid and APR 4433 29830 0.76263 2 4 2011 West Landline RDD Qualified Revolvers - small balance Yes Two Once or Twice You usually carry a balance from month to month on at least one of your cards $500 to $999 The amount and percentage of the bill that you pay each month varies from month to month Don't know 0 Don't know No No No Yes Selected Not selected Not selected Not selected Not selected Not selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected Yes Yes The Same Very fairly Somewhat Satisfied Somewhat Satisfied No No Not at all Familiar 70 to 74 Completed college Refused 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You could probably come up with $2000 Under $15K One Female Revolvers Selected Selected Know neither interest paid nor APR 1477 24470 0.75295 2 4 2011 West Landline RDD Qualified Transactors Yes Two More than Six Times You always pay your credit card balances in full on all your cards 60 Yes 15 Yes Not selected Not selected Not selected Selected Not selected Not selected Yes Don't know Don't know Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Don't know Yes Yes Selected Selected Not selected Not selected Not selected Yes Yes The Same Somewhat fairly Somewhat Dissatisfied Neither Satisfied nor Dissatisfied No No Somewhat Familiar Somewhat helpful 60 to 64 Post graduate work No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more One Male Transactors Not selected Selected Know APR and have no balance 4392 21976 0.86567 2 4 2011 West Landline RDD Qualified Revolvers - medium balance Yes One Five or Six Times You usually carry a balance from month to month on at least one of your cards $2000 to $2999 The amount and percentage of the bill that you pay each month varies from month to month Don't know 0 Yes 0.21 Yes Not selected Selected Not selected Not selected Not selected Not selected Yes No Yes Selected Selected Selected Selected Not selected Not selected Not selected Not selected Yes Yes Yes Not selected Not selected Selected Not selected Not selected Yes Yes Less Somewhat unfairly Extremely Dissatisfied Somewhat Dissatisfied Yes No Not at all Familiar 50 to 54 Post graduate work Yes 3 Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Hispanic Fair No You are certain you could NOT raise the full $2000 $40K to less than $50K One Female Revolvers Selected Selected Know APR but not interest paid 4463 16294 0.86567 2 4 2011 West Landline RDD Qualified Revolvers - large balance Yes Three Three or Four Times You sometimes pay your credit card balances in full and sometimes carry a balance from month to month $5000 or more The amount and percentage of the bill that you pay each month varies from month to month 400 0 Don't know No Yes Don't know Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Don't know Not selected Not selected Selected Not selected Not selected Yes Yes Less Somewhat fairly Somewhat Dissatisfied Somewhat Dissatisfied No No Somewhat Familiar Neither helpful nor unhelpful 55 to 59 Post graduate work Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You are certain you could come up with the full $2000 $50K to less than $75K One Female Revolvers Not selected Selected Know interest paid but not APR 1322 27707 1.08581 2 4 2011 West Landline RDD Unqualified No No Under 25 "Some college, not completed" No 3 Yes Not selected Not selected Not selected Selected Not selected Not selected Not selected Hispanic Good $20K to less than $25K One Female Not selected Not Selected 4462 29007 1.13449 2 4 2011 West Landline RDD Qualified Revolvers - medium balance Yes Two More than Six Times You usually carry a balance from month to month on at least one of your cards $2000 to $2999 The amount and percentage of the bill that you pay each month varies from month to month 300 75 Yes 0.15 No Yes Don't know Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Don't know Yes Don't know Not selected Not selected Selected Not selected Not selected Yes Yes More Very fairly Neither Satisfied nor Dissatisfied Somewhat Satisfied Yes No Not Very Familiar Neither helpful nor unhelpful 35 to 44 Completed college Yes 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more One Male Revolvers Not selected Selected Know both interest paid and APR 4501 15491 0.86567 2 4 2011 West Landline RDD Qualified Transactors Yes Four or More Once or Twice You always pay your credit card balances in full on all your cards 0 Don't know Don't know Yes No Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Don't know No Not selected Not selected Selected Not selected Not selected Yes Don't know Less Very fairly Somewhat Dissatisfied Neither Satisfied nor Dissatisfied No No Not Very Familiar Somewhat helpful 55 to 59 Post graduate work No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Don't know No You could probably NOT come up with $2000 $50K to less than $75K One Female Transactors Not selected Selected Don't know APR and have no balance 4484 20429 0.43477 2 4 2011 West Landline RDD Qualified Revolvers - large balance Yes Two More than Six Times You sometimes pay your credit card balances in full and sometimes carry a balance from month to month $5000 or more You usually pay the same AMOUNT each month Don't know 85 Yes 17.799999 Yes Not selected Not selected Not selected Selected Not selected Not selected No No Yes Not selected Not selected Not selected Selected Not selected Not selected Not selected Not selected Yes Yes Yes Not selected Not selected Selected Not selected Not selected No No Less Very fairly Extremely Dissatisfied Somewhat Dissatisfied No No Very Familiar Somewhat helpful 35 to 44 Post graduate work Yes 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You are certain you could come up with the full $2000 $75K to less than $100K Three or more Female Revolvers Not selected Selected Know APR but not interest paid 1715 19461 1.12469 2 4 2011 West Landline RDD Qualified Revolvers - medium balance Yes Three Three or Four Times You sometimes pay your credit card balances in full and sometimes carry a balance from month to month $2000 to $2999 The amount and percentage of the bill that you pay each month varies from month to month 500 15 Don't know Yes Selected Not selected Not selected Not selected Not selected Not selected Yes Yes Yes Not selected Not selected Not selected Selected Not selected Not selected Not selected Not selected Yes Yes No Selected Not selected Not selected Not selected Not selected Yes Yes The Same Somewhat unfairly Extremely Satisfied Somewhat Dissatisfied Yes No Very Familiar Very helpful 25 to 34 Completed high school No 3 Yes Selected Not selected Not selected Not selected Not selected Not selected Not selected Hispanic Good No You are certain you could come up with the full $2000 $50K to less than $75K One Male Revolvers Not selected Selected Know interest paid but not APR 4580 16800 0.66333 2 4 2011 West Landline RDD Unqualified No Yes You decided to close the account and make purchases in other ways such as with a debit card 65 to 69 Completed college Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent $50K to less than $75K One Male Not selected Not Selected 4540 32757 1.13449 2 4 2011 West Landline RDD Qualified Transactors Yes One More than Six Times You always pay your credit card balances in full on all your cards Don't know Don't know No Don't know Yes Yes Not selected Not selected Not selected Selected Not selected Not selected Not selected Not selected Yes Yes Don't know Selected Not selected Not selected Not selected Not selected Don't know Don't know The Same Somewhat unfairly Somewhat Dissatisfied Somewhat Dissatisfied No No Not Very Familiar Somewhat helpful 35 to 44 "Some college, not completed" Yes 5 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good Yes You could probably come up with $2000 $40K to less than $50K One Male Transactors Not selected Selected Don't know APR and have no balance 4558 17788 0.86567 2 4 2011 West Landline RDD Qualified Transactors Yes Four or More Once or Twice You always pay your credit card balances in full on all your cards 0 Don't know Yes Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected No No Less Somewhat fairly Somewhat Satisfied Neither Satisfied nor Dissatisfied No Yes 1 Someone at a store at which you were shopping told you about it "You applied for card/cards that read/heard about and seemed attractive, but did not do a lot of comparative shopping" 1 - Not at all important 1 - Not at all important 5 - Extremely Important 5 - Extremely Important 3 1 - Not at all important The rewards you could earn if you continue to use the card Somewhat Familiar Somewhat helpful 55 to 59 Completed college No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $40K to less than $50K One Female Transactors Not selected Selected Don't know APR and have no balance 4557 14755 1.13449 2 4 2011 West Landline RDD Qualified Revolvers - large balance Yes Four or More More than Six Times You sometimes pay your credit card balances in full and sometimes carry a balance from month to month $5000 or more The amount and percentage of the bill that you pay each month varies from month to month Don't know 0 Yes 20 Yes Selected Selected Selected Not selected Not selected Not selected Yes Yes Don't know Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Don't know Not selected Not selected Selected Not selected Not selected No No Less Somewhat unfairly Extremely Dissatisfied Extremely Dissatisfied No No Not Very Familiar Neither helpful nor unhelpful 35 to 44 Post graduate work Yes 2 Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Hispanic Excellent No You are certain you could come up with the full $2000 $75K to less than $100K One Male Revolvers Not selected Selected Know APR but not interest paid 4565 15220 0.75295 2 4 2011 West Landline RDD Qualified Transactors Yes One Five or Six Times You always pay your credit card balances in full on all your cards 200 Don't know No No No No Yes No No Not selected Not selected Selected Not selected Not selected No No Less Somewhat fairly Somewhat Dissatisfied Neither Satisfied nor Dissatisfied No No Not Very Familiar Neither helpful nor unhelpful 50 to 54 Completed college No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair No You are certain you could come up with the full $2000 Under $15K One Male Transactors Not selected Selected Don't know APR and have no balance 4593 32659 0.66333 2 4 2011 West Landline RDD Qualified Transactors Yes One More than Six Times You always pay your credit card balances in full on all your cards 0 Yes 15 No No No Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected No Yes Yes Not selected Not selected Selected Not selected Not selected Yes Yes Less Very fairly Somewhat Satisfied Extremely Satisfied No No Not at all Familiar Refused Post graduate work No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $75K to less than $100K One Male Transactors Not selected Selected Know APR and have no balance 4546 23218 0.3749 2 4 2011 West Landline RDD Qualified Revolvers - small balance Yes Four or More Once or Twice You sometimes pay your credit card balances in full and sometimes carry a balance from month to month Less than $500 The amount and percentage of the bill that you pay each month varies from month to month 40 0 Yes 10.99 Yes Not selected Selected Selected Not selected Not selected Not selected Yes Yes No Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Don't know Not selected Not selected Selected Not selected Not selected Yes Yes The Same Somewhat fairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No Yes 1 You saw an advertisement on the Internet "You applied for card/cards that read/heard about and seemed attractive, but did not do a lot of comparative shopping" 5 - Extremely important 5 - Extremely Important 4 4 4 Refused The permanent interest rate after the end of the introductory period Not at all Familiar 25 to 34 Completed high school No 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You are certain you could come up with the full $2000 $50K to less than $75K Three or more Male Revolvers Not selected Selected Know both interest paid and APR 4613 19020 0.22111 2 4 2011 West Landline RDD Unqualified No Yes Other 75 to 84 Completed college Yes 2 No Not selected Not selected Not selected Selected Selected Not selected Not selected Asian/Pacific Islander (non-Hispanic) Don't know $20K to less than $25K Three or more Male Not selected Not Selected 1734 15449 0.66333 2 4 2011 West Landline RDD Qualified Revolvers - large balance Yes Two Once or Twice You sometimes pay your credit card balances in full and sometimes carry a balance from month to month $3000 to $3999 The amount and percentage of the bill that you pay each month varies from month to month Don't know Don't know Don't know Yes Not selected Not selected Selected Not selected Not selected Not selected Yes Don't know Yes Not selected Selected Not selected Not selected Not selected Not selected Not selected Not selected Yes Yes Don't know Not selected Not selected Selected Not selected Not selected Don't know Yes Less Somewhat fairly Somewhat Dissatisfied Somewhat Satisfied No No Not Very Familiar Neither helpful nor unhelpful 75 to 84 Completed college No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You are certain you could come up with the full $2000 $100K or more One Male Revolvers Selected Selected Know neither interest paid nor APR 1452 23408 0.43284 2 4 2011 West Landline RDD Qualified Revolvers - large balance Yes Two Once or Twice You sometimes pay your credit card balances in full and sometimes carry a balance from month to month $4000 to $4999 The amount and percentage of the bill that you pay each month varies from month to month Don't know Don't know Yes 18 Yes Not selected Not selected Not selected Selected Not selected Not selected No No No Yes No No Not selected Not selected Selected Not selected Not selected No Refused Less Somewhat fairly Extremely Dissatisfied Somewhat Satisfied No No Not at all Familiar 50 to 54 Completed college Yes 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair Yes You could probably come up with $2000 $30K to less than $40K Two Female Revolvers Not selected Selected Know APR but not interest paid 4626 18585 0.86567 2 4 2011 West Landline RDD Qualified Revolvers - large balance Yes Three Once or Twice You usually carry a balance from month to month on at least one of your cards $5000 or more The amount and percentage of the bill that you pay each month varies from month to month 300 0 Yes 9.9 No Yes Yes Yes Selected Not selected Not selected Not selected Not selected Not selected Not selected Not selected Yes Yes Don't know Not selected Not selected Selected Not selected Not selected Yes Yes The Same Neither fairly nor unfairly Extremely Dissatisfied Neither Satisfied nor Dissatisfied No No Not Very Familiar Neither helpful nor unhelpful 55 to 59 "Some college, not completed" Yes 2 Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Hispanic Excellent No You are certain you could come up with the full $2000 $100K or more One Female Revolvers Selected Selected Know both interest paid and APR 4685 32470 1.0309 2 4 2011 West Landline RDD Unqualified No Yes Other 50 to 54 Completed high school No 10 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair $15K to less than $20K One Female Not selected Not Selected 1568 26947 0.66333 2 4 2011 West Landline RDD Qualified Revolvers - medium balance Yes Two Five or Six Times You usually carry a balance from month to month on at least one of your cards $2000 to $2999 The amount and percentage of the bill that you pay each month varies from month to month 300 0 Don't know Yes Not selected Not selected Not selected Selected Not selected Not selected Yes No Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected Yes Yes The Same Somewhat unfairly Extremely Dissatisfied Somewhat Dissatisfied No No Not Very Familiar Neither helpful nor unhelpful 75 to 84 Post graduate work Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair No You are certain you could come up with the full $2000 $25K to less than $30K One Male Revolvers Not selected Selected Know interest paid but not APR 4671 24512 1.30432 2 4 2011 West Landline RDD Qualified Transactors Yes Two More than Six Times You always pay your credit card balances in full on all your cards 0 Yes 18 Don't know Don't know Don't know Don't know Don't know Don't know Don't know No No The Same Very fairly Extremely Satisfied Extremely Satisfied No No Somewhat Familiar Neither helpful nor unhelpful 35 to 44 Post graduate work Yes 6 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more One Female Transactors Not selected Selected Know APR and have no balance 4660 21913 1.30432 2 4 2011 West Landline RDD Qualified Revolvers - small balance Yes One Once or Twice You usually carry a balance from month to month on at least one of your cards Less than $500 The amount and percentage of the bill that you pay each month varies from month to month 60 40 Yes 13.9 No Yes No No Selected Selected Selected Selected Selected Not selected Not selected Not selected Yes Yes Yes Not selected Not selected Selected Not selected Not selected Yes Yes Less Somewhat fairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No No Somewhat Familiar Somewhat helpful 35 to 44 "Some college, not completed" No 3 Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Hispanic Good No You could probably NOT come up with $2000 $50K to less than $75K One Female Revolvers Selected Selected Know both interest paid and APR 4645 27104 0.76263 2 4 2011 West Landline RDD Qualified Transactors Yes Three More than Six Times You always pay your credit card balances in full on all your cards 0 Don't know No Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected Yes No The Same Very fairly Neither Satisfied nor Dissatisfied Extremely Satisfied No Yes 1 Other "You applied for card/cards that read/heard about and seemed attractive, but did not do a lot of comparative shopping" 1 - Not at all important 1 - Not at all important 1 - Not at all important 3 1 - Not at all important 1 - Not at all important The rewards you could earn if you continue to use the card Very Familiar Somewhat helpful 70 to 74 "Some college, not completed" Yes 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $20K to less than $25K One Female Transactors Not selected Selected Don't know APR and have no balance 4646 25991 1.30432 2 4 2011 West Landline RDD Qualified Yes One Don't know You usually carry a balance from month to month on at least one of your cards Refused The amount and percentage of the bill that you pay each month varies from month to month Don't know 0 Yes 10 Yes Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Don't know Not selected Not selected Selected Not selected Not selected No No The Same Somewhat fairly Somewhat Dissatisfied Somewhat Dissatisfied No No Not at all Familiar 45 to 49 Completed college Yes 4 Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Hispanic Good No You are certain you could NOT raise the full $2000 $15K to less than $20K One Female Not selected Selected Know APR but not interest paid 4696 21371 0.86567 2 4 2011 West Landline RDD Qualified Revolvers - large balance Yes One Five or Six Times You sometimes pay your credit card balances in full and sometimes carry a balance from month to month $3000 to $3999 The amount and percentage of the bill that you pay each month varies from month to month Don't know Don't know Yes 12.9 Yes Selected Not selected Selected Not selected Not selected Not selected Yes Yes Yes Selected Not selected Not selected Not selected Not selected Not selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected No No The Same Somewhat fairly Extremely Dissatisfied Somewhat Dissatisfied No No Somewhat Familiar Very unhelpful 50 to 54 "Some college, not completed" No 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Poor No You are certain you could come up with the full $2000 $75K to less than $100K One Female Revolvers Selected Selected Know APR but not interest paid 4708 14585 1.41413 2 4 2011 West Landline RDD Unqualified No No 45 to 49 Completed college No 1 No Not selected Selected Not selected Not selected Not selected Not selected Not selected Black/African-American (non-Hispanic) Good $50K to less than $75K One Female Not selected Not Selected 3521 16371 0.42254 2 5 2011 Midwest Landline RDD Unqualified No No 45 to 49 Completed high school No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent $15K to less than $20K Three or more Male Not selected Not Selected 3932 33557 1.4799 2 5 2011 South Landline RDD Unqualified No Yes You decided to close the account and make purchases in other ways such as with a debit card 35 to 44 Completed high school No 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Poor $20K to less than $25K One Female Not selected Not Selected 4718 18224 0.94001 2 5 2011 Northeast Landline RDD Unqualified No No 55 to 59 Completed high school Yes 3 Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Hispanic Fair Under $15K One Male Not selected Not Selected 3928 29587 0.82478 2 5 2011 South Landline RDD Qualified Transactors Yes One Once or Twice You always pay your credit card balances in full on all your cards 60 Yes 19 No Don't know No Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes No Selected Not selected Not selected Not selected Not selected Don't know Yes The Same Very fairly Somewhat Dissatisfied Somewhat Satisfied No No Not at all Familiar 50 to 54 "Some college, not completed" No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You could probably come up with $2000 Refused One Female Transactors Not selected Selected Know APR and have no balance 4726 27357 0.69539 2 5 2011 Northeast Landline RDD Unqualified No No 75 to 84 "Some college, not completed" No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good Under $15K Refused Male Not selected Not Selected 2710 23171 0.78934 2 5 2011 Northeast Landline RDD Qualified Yes Three Three or Four Times You sometimes pay your credit card balances in full and sometimes carry a balance from month to month Refused Refused Refused 0 Yes 21 Don't know Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Not selected Not selected Selected Yes Don't know No Selected Not selected Not selected Not selected Not selected Yes No The Same Refused Refused Somewhat Satisfied No No Not at all Familiar Refused Completed college Yes 2 No Not selected Not selected Not selected Selected Not selected Not selected Not selected Asian/Pacific Islander (non-Hispanic) Fair Yes Refused Refused Refused Male Not selected Selected Refused at least one of the two questions 4714 25610 1.2427 2 5 2011 South Landline RDD Qualified Revolvers - large balance Yes One Once or Twice You sometimes pay your credit card balances in full and sometimes carry a balance from month to month $3000 to $3999 The amount and percentage of the bill that you pay each month varies from month to month 150 0 Don't know No Don't know No Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Don't know Yes Don't know Not selected Not selected Selected Not selected Not selected No No The Same Neither fairly nor unfairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No No Not Very Familiar Neither helpful nor unhelpful 35 to 44 Post graduate work Yes 4 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You are certain you could come up with the full $2000 $100K or more One Female Revolvers Not selected Selected Know interest paid but not APR 4738 26763 1.17189 2 5 2011 South Landline RDD Unqualified No Yes You decided to close the account and make purchases in other ways such as with a debit card 45 to 49 "Some college, not completed" No 8 No Not selected Selected Not selected Not selected Not selected Not selected Not selected Black/African-American (non-Hispanic) Good $50K to less than $75K One Male Not selected Not Selected 167 26528 1.13829 2 5 2011 Northeast Landline RDD Qualified Transactors Yes One Once or Twice You always pay your credit card balances in full on all your cards 200 Don't know No Don't know Don't know No Yes Yes Don't know Selected Not selected Not selected Not selected Not selected Yes Yes The Same Very fairly Neither Satisfied nor Dissatisfied Somewhat Satisfied No No Not Very Familiar Neither helpful nor unhelpful 25 to 34 Post graduate work Yes 4 No Not selected Not selected Not selected Not selected Not selected Selected Not selected Other (non-Hispanic) Poor No You are certain you could come up with the full $2000 $100K or more One Female Transactors Not selected Selected Don't know APR and have no balance 4770 24297 0.9206 2 5 2011 South Landline RDD Unqualified No No Under 25 "Some high school, not completed" No 4 No Not selected Selected Not selected Not selected Not selected Not selected Not selected Black/African-American (non-Hispanic) Don't know Don't know Two Female Not selected Not Selected 4756 26452 0.78934 2 5 2011 Northeast Landline RDD Qualified Transactors Yes One More than Six Times You always pay your credit card balances in full on all your cards 0 Don't know No Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Yes Not selected Not selected Selected Not selected Not selected Yes Yes The Same Very fairly Extremely Satisfied Extremely Satisfied No No Somewhat Familiar Very helpful 60 to 64 "Some college, not completed" No 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $40K to less than $50K One Male Transactors Not selected Selected Don't know APR and have no balance 4757 19571 0.78934 2 5 2011 Northeast Landline RDD Qualified Revolvers - large balance Yes One Five or Six Times You sometimes pay your credit card balances in full and sometimes carry a balance from month to month $3000 to $3999 The amount and percentage of the bill that you pay each month varies from month to month 200 0 Don't know No Yes Don't know Yes Selected Not selected Not selected Not selected Not selected Not selected Not selected Not selected Don't know Yes Don't know Selected Not selected Not selected Not selected Not selected No Yes The Same Neither fairly nor unfairly Neither Satisfied nor Dissatisfied Somewhat Satisfied No No Not Very Familiar Neither helpful nor unhelpful 50 to 54 Completed college Yes 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You are certain you could come up with the full $2000 $100K or more One Male Revolvers Selected Selected Know interest paid but not APR 1937 28423 0.29993 2 5 2011 South Landline RDD Unqualified No Yes Other 25 to 34 Post graduate work Yes 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good $100K or more Three or more Male Not selected Not Selected 4758 27190 0.23549 2 5 2011 Midwest Landline RDD Qualified Revolvers - small balance Yes One Once or Twice You sometimes pay your credit card balances in full and sometimes carry a balance from month to month Less than $500 The amount and percentage of the bill that you pay each month varies from month to month 30 0 Yes 7.99 No Yes Yes Don't know Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Don't know Yes No Not selected Not selected Selected Not selected Not selected No Yes Less Neither fairly nor unfairly Neither Satisfied nor Dissatisfied Somewhat Dissatisfied No No Not at all Familiar 60 to 64 "Some college, not completed" Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $75K to less than $100K Three or more Male Revolvers Not selected Selected Know both interest paid and APR 1901 18885 1.17905 2 5 2011 Northeast Landline RDD Qualified Revolvers - large balance Yes Three Three or Four Times You usually carry a balance from month to month on at least one of your cards $5000 or more The amount and percentage of the bill that you pay each month varies from month to month Don't know 1000 Yes 18 No Don't know Don't know Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Don't know Not selected Not selected Selected Not selected Not selected Don't know Yes Less Very fairly Extremely Dissatisfied Somewhat Satisfied No No Not at all Familiar Under 25 Completed high school No 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You are certain you could come up with the full $2000 $50K to less than $75K One Male Revolvers Not selected Selected Know APR but not interest paid 4797 29796 0.71738 2 5 2011 South Landline RDD Qualified Transactors Yes One More than Six Times You always pay your credit card balances in full on all your cards 0 Don't know Yes Not selected Not selected Not selected Not selected Selected Not selected Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Don't know Not selected Not selected Selected Not selected Not selected Don't know Don't know Don't know Very fairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied Yes No Not Very Familiar Neither helpful nor unhelpful 60 to 64 "Some college, not completed" Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You are certain you could come up with the full $2000 Refused One Male Transactors Not selected Selected Don't know APR and have no balance 4817 20673 0.53224 2 5 2011 Midwest Landline RDD Unqualified No Yes You decided to close the account and make purchases in other ways such as with a debit card 45 to 49 "Some college, not completed" No 2 Yes Selected Not selected Not selected Not selected Not selected Not selected Not selected Hispanic Good $40K to less than $50K Two Male Not selected Not Selected 2800 31019 0.3274 2 5 2011 South Landline RDD Qualified Revolvers - medium balance Yes One Once or Twice You usually carry a balance from month to month on at least one of your cards $1000 to $1999 You usually pay the same AMOUNT each month 18 0 Yes 18 Yes Not selected Not selected Selected Not selected Not selected Not selected Yes No No Not selected Not selected Selected Not selected Not selected Not selected Not selected Not selected Yes Yes No Selected Not selected Not selected Not selected Not selected No No The Same Somewhat unfairly Extremely Dissatisfied Somewhat Dissatisfied No Yes 1 You saw an advertisement on the Internet "You applied for card/cards that read/heard about and seemed attractive, but did not do a lot of comparative shopping" 3 3 5 - Extremely Important 5 - Extremely Important 3 5 - Extremely Important The rewards you could earn if you continue to use the card Not at all Familiar 55 to 59 Completed high school Yes 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $75K to less than $100K Three or more Female Revolvers Selected Selected Know both interest paid and APR 614 18057 0.54045 2 5 2011 South Landline RDD Qualified Transactors Yes Refused More than Six Times You always pay your credit card balances in full on all your cards 0 Don't know Yes Not selected Not selected Selected Not selected Not selected Not selected Yes Don't know Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Refused No No Yes Yes More Very fairly Somewhat Satisfied Extremely Satisfied No No Somewhat Familiar Neither helpful nor unhelpful Refused Post graduate work Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent Refused You are certain you could come up with the full $2000 Refused Two Male Transactors Not selected Selected Don't know APR and have no balance 4796 14599 0.70649 2 5 2011 Midwest Landline RDD Qualified Revolvers - small balance Yes One You do not use any of your general purpose credit cards Yes $500 to $999 The amount and percentage of the bill that you pay each month varies from month to month 200 35 Yes 18 No Yes Yes Yes Not selected Not selected Not selected Selected Not selected Not selected Not selected Not selected Yes Yes Don't know Selected Not selected Not selected Not selected Not selected Yes Yes The Same Somewhat fairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No No Not at all Familiar 55 to 59 Completed college Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You are certain you could come up with the full $2000 $100K or more One Male Revolvers Not selected Selected Know both interest paid and APR 1781 14990 0.71738 2 5 2011 South Landline RDD Qualified Revolvers - small balance Yes Refused Once or Twice You sometimes pay your credit card balances in full and sometimes carry a balance from month to month $500 to $999 The amount and percentage of the bill that you pay each month varies from month to month 100 0 Yes 26 Yes Selected Not selected Not selected Not selected Not selected Not selected Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Yes Not selected Not selected Selected Not selected Not selected No No The Same Very fairly Extremely Satisfied Extremely Satisfied No No Somewhat Familiar Neither helpful nor unhelpful 60 to 64 Post graduate work Yes 2 Refused Not selected Not selected Not selected Not selected Not selected Selected Not selected Other (non-Hispanic) Good No You are certain you could come up with the full $2000 Refused One Male Revolvers Not selected Selected Know both interest paid and APR 4815 19388 0.70649 2 5 2011 Midwest Landline RDD Qualified Revolvers - small balance Yes One Once or Twice You sometimes pay your credit card balances in full and sometimes carry a balance from month to month Less than $500 You usually pay the same PERCENTAGE of the bill each month 0 0 Yes 0 No Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected Yes Refused Less Neither fairly nor unfairly Extremely Dissatisfied Extremely Dissatisfied No No Not Very Familiar Somewhat helpful 50 to 54 Completed college Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $50K to less than $75K One Male Revolvers Not selected Selected Know both interest paid and APR 4836 15019 1.2872 2 5 2011 South Landline RDD Unqualified No No 35 to 44 Completed high school No 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair $40K to less than $50K One Male Not selected Not Selected 4820 27422 0.54045 2 5 2011 South Landline RDD Qualified Transactors Yes Two More than Six Times You always pay your credit card balances in full on all your cards 0 Don't know No Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected No Yes The Same Very fairly Somewhat Satisfied Somewhat Satisfied No No Somewhat Familiar Somewhat unhelpful 35 to 44 "Some college, not completed" Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 Don't know Two Male Transactors Not selected Selected Don't know APR and have no balance 4814 28934 0.81225 2 5 2011 Midwest Landline RDD Qualified Revolvers - small balance Yes Two Once or Twice You sometimes pay your credit card balances in full and sometimes carry a balance from month to month Less than $500 The amount and percentage of the bill that you pay each month varies from month to month Don't know 0 Don't know No No Don't know Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected No No The Same Neither fairly nor unfairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No No Somewhat Familiar Somewhat helpful 60 to 64 "Some college, not completed" Yes 1 Refused Not selected Not selected Not selected Not selected Not selected Not selected Selected Other (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $30K to less than $40K One Female Revolvers Not selected Selected Know neither interest paid nor APR 4822 23658 1.4799 2 5 2011 South Landline RDD Qualified Revolvers - medium balance Yes Three Once or Twice You usually carry a balance from month to month on at least one of your cards $1000 to $1999 The amount and percentage of the bill that you pay each month varies from month to month Don't know 0 Yes 14.99 No Yes Yes Yes Not selected Selected Not selected Not selected Not selected Not selected Not selected Not selected No No No No No Less Neither fairly nor unfairly Extremely Dissatisfied Somewhat Dissatisfied No No Not at all Familiar 35 to 44 Completed high school Yes 4 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $50K to less than $75K One Female Revolvers Selected Selected Know APR but not interest paid 4868 17789 1.23197 2 5 2011 South Landline RDD Unqualified No No Under 25 Completed high school No 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good $20K to less than $25K One Female Not selected Not Selected 4860 32861 0.92623 2 5 2011 South Landline RDD Unqualified No No 55 to 59 Completed high school Yes 2 No Not selected Selected Not selected Not selected Not selected Not selected Not selected Black/African-American (non-Hispanic) Good $50K to less than $75K One Male Not selected Not Selected 2173 23864 1.29317 2 5 2011 South Landline RDD Unqualified No No 85 or older Completed grade school or less No 5 No Not selected Selected Not selected Not selected Not selected Not selected Not selected Black/African-American (non-Hispanic) Don't know Don't know One Female Not selected Not Selected 4850 18512 0.89981 2 5 2011 South Landline RDD Qualified Transactors Yes Two More than Six Times You always pay your credit card balances in full on all your cards 0 Yes 21 No Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Yes Not selected Selected Not selected Not selected Not selected Yes Yes The Same Neither fairly nor unfairly Somewhat Dissatisfied Somewhat Satisfied No No Not at all Familiar Under 25 Post graduate work Yes 2 No Not selected Not selected Selected Not selected Selected Not selected Not selected Other (non-Hispanic) Fair No You could probably come up with $2000 $50K to less than $75K One Male Transactors Not selected Selected Know APR and have no balance 4826 23265 0.62136 2 5 2011 South Landline RDD Qualified Revolvers - large balance Yes Two Once or Twice You usually carry a balance from month to month on at least one of your cards $5000 or more The amount and percentage of the bill that you pay each month varies from month to month Don't know 0 Yes 10 Yes Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Yes Not selected Selected Selected Not selected Not selected Not selected Not selected Not selected Yes No Yes Not selected Not selected Selected Not selected Not selected Yes Yes More Somewhat unfairly Extremely Dissatisfied Somewhat Satisfied No No Not at all Familiar 45 to 49 Completed college Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $30K to less than $40K Two Female Revolvers Selected Selected Know APR but not interest paid 4827 21158 1.2427 2 5 2011 South Landline RDD Qualified Transactors Yes One More than Six Times You always pay your credit card balances in full on all your cards 0 Yes 10 No Yes No No Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected Yes Yes The Same Very fairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No No Not Very Familiar Neither helpful nor unhelpful 35 to 44 "Some college, not completed" Yes 5 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You could probably come up with $2000 $75K to less than $100K One Female Transactors Not selected Selected Know APR and have no balance 4898 32681 0.71557 2 5 2011 Midwest Landline RDD Unqualified No Yes You decided to close the account and make purchases in other ways such as with a debit card 65 to 69 "Some college, not completed" No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good $25K to less than $30K One Female Not selected Not Selected 2543 25087 1.35556 2 5 2011 Northeast Landline RDD Unqualified No No Under 25 Completed high school No 6 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good $40K to less than $50K One Female Not selected Not Selected 2294 25030 0.82478 2 5 2011 South Landline RDD Qualified Transactors Yes One Five or Six Times You always pay your credit card balances in full on all your cards 0 Yes 20 Yes Selected Not selected Not selected Not selected Not selected Not selected Yes Don't know Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Yes Not selected Selected Not selected Not selected Not selected No Yes Less Somewhat fairly Extremely Dissatisfied Neither Satisfied nor Dissatisfied No No Somewhat Familiar Somewhat helpful 50 to 54 Post graduate work No 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $75K to less than $100K One Female Transactors Not selected Selected Know APR and have no balance 4904 30337 1.06447 2 5 2011 Midwest Landline RDD Qualified Revolvers - large balance Yes One Three or Four Times You usually carry a balance from month to month on at least one of your cards $3000 to $3999 The amount and percentage of the bill that you pay each month varies from month to month 300 59 Yes 8.9 No Yes Yes Yes Not selected Selected Not selected Not selected Not selected Not selected Not selected Not selected Yes Yes Yes Not selected Not selected Selected Not selected Not selected Yes Yes The Same Very fairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No No Not at all Familiar 35 to 44 Completed college Yes 4 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You are certain you could come up with the full $2000 $100K or more One Male Revolvers Selected Selected Know both interest paid and APR 4908 31027 0.84134 2 5 2011 Midwest Landline RDD Qualified Revolvers - medium balance Yes One Three or Four Times You sometimes pay your credit card balances in full and sometimes carry a balance from month to month $1000 to $1999 You usually pay only the MINIMUM AMOUNT due each month 400 40 Yes 18 No Yes Yes Yes Not selected Not selected Selected Not selected Not selected Not selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected No No Less Somewhat unfairly Somewhat Dissatisfied Somewhat Dissatisfied No No Not Very Familiar Somewhat helpful 60 to 64 Completed high school Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Poor Yes You are certain you could NOT raise the full $2000 $30K to less than $40K One Male Revolvers Selected Selected Know both interest paid and APR 2313 19897 0.82478 2 5 2011 South Landline RDD Qualified Transactors Yes Two More than Six Times You always pay your credit card balances in full on all your cards 0 Don't know Yes Not selected Not selected Selected Not selected Not selected Not selected Yes Don't know Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Don't know Yes No Selected Not selected Not selected Not selected Not selected Yes Yes More Neither fairly nor unfairly Somewhat Dissatisfied Neither Satisfied nor Dissatisfied No No Somewhat Familiar Somewhat helpful 55 to 59 Completed college Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more One Female Transactors Not selected Selected Don't know APR and have no balance 4903 21845 0.62239 2 5 2011 Midwest Landline RDD Qualified Transactors Yes Three More than Six Times You always pay your credit card balances in full on all your cards 0 Don't know Yes Selected Selected Selected Not selected Not selected Not selected Yes No Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected No Yes Refused Very fairly Neither Satisfied nor Dissatisfied Extremely Satisfied No No Somewhat Familiar Somewhat helpful 75 to 84 Post graduate work No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No Refused Refused One Male Transactors Not selected Selected Don't know APR and have no balance 2449 17288 1.18932 2 5 2011 Northeast Landline RDD Qualified Transactors Yes Four or More More than Six Times You always pay your credit card balances in full on all your cards 100 Yes 0 Yes Not selected Not selected Not selected Selected Not selected Not selected Yes No Yes Not selected Not selected Not selected Selected Not selected Not selected Not selected Not selected Yes No No Not selected Selected Not selected Not selected Not selected Yes Yes The Same Neither fairly nor unfairly Somewhat Satisfied Neither Satisfied nor Dissatisfied Yes Yes 2 You received something in the mail or via e-mail about the card(s) Other Somewhat Familiar Somewhat helpful 45 to 49 Completed college Yes 5 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more One Male Transactors Not selected Selected Know APR and have no balance 3259 29844 0.90751 2 5 2011 Northeast Landline RDD Qualified Transactors Yes Three Three or Four Times You always pay your credit card balances in full on all your cards Don't know Yes 18 No Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes No Don't know Not selected Not selected Selected Not selected Not selected Yes Yes The Same Very fairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No No Not at all Familiar 50 to 54 Completed college Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $50K to less than $75K One Female Transactors Not selected Selected Know APR and have no balance 4946 18481 1.18932 2 5 2011 Northeast Landline RDD Qualified Transactors Yes Four or More More than Six Times You always pay your credit card balances in full on all your cards 50 Yes 12 No Don't know Don't know Don't know Yes Yes Don't know Not selected Not selected Selected Not selected Not selected No No The Same Neither fairly nor unfairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No No Not Very Familiar Neither helpful nor unhelpful 35 to 44 Completed college Yes 4 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more One Male Transactors Not selected Selected Know APR and have no balance 2634 14697 0.82812 2 5 2011 Northeast Landline RDD Qualified Revolvers - medium balance Yes One Three or Four Times You sometimes pay your credit card balances in full and sometimes carry a balance from month to month $1000 to $1999 You usually pay the same AMOUNT each month 9 0 Yes 9.9 Yes Selected Not selected Not selected Not selected Not selected Not selected Yes Yes Yes Not selected Selected Not selected Not selected Not selected Not selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected Yes Yes More Very fairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No No Somewhat Familiar Very helpful 75 to 84 Completed high school Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You are certain you could come up with the full $2000 $20K to less than $25K One Male Revolvers Selected Selected Know both interest paid and APR 4956 14292 0.39467 2 5 2011 Northeast Landline RDD Qualified Revolvers - large balance Yes Three More than Six Times You sometimes pay your credit card balances in full and sometimes carry a balance from month to month $5000 or more The amount and percentage of the bill that you pay each month varies from month to month Don't know 0 Yes 11 No Yes Yes Yes Selected Not selected Not selected Not selected Not selected Not selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected Yes Yes The Same Very fairly Extremely Satisfied Neither Satisfied nor Dissatisfied Yes No Somewhat Familiar Very helpful 55 to 59 "Some college, not completed" No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $50K to less than $75K Two Male Revolvers Selected Selected Know APR but not interest paid 3244 21275 1.36736 2 5 2011 Northeast Landline RDD Qualified Revolvers - medium balance Yes One You do not use any of your general purpose credit cards Yes $1000 to $1999 You usually pay only the MINIMUM AMOUNT due each month 100 0 Yes 12.9 No Yes Don't know Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected No No More Very fairly Extremely Satisfied Somewhat Dissatisfied No No Somewhat Familiar Somewhat helpful 45 to 49 "Some college, not completed" Yes 4 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $50K to less than $75K One Female Revolvers Not selected Selected Know both interest paid and APR 4998 18963 1.33335 2 5 2011 Midwest Landline RDD Unqualified No Yes You fell behind on your payments and the bank closed your account 55 to 59 Completed grade school or less Yes 6 No Selected Not selected Not selected Selected Not selected Not selected Not selected Other (non-Hispanic) Fair $15K to less than $20K One Female Not selected Not Selected 1101 21257 0.36331 2 5 2011 South Landline RDD Qualified Transactors Yes Two Once or Twice You always pay your credit card balances in full on all your cards Don't know Don't know No Yes No Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes No Not selected Selected Not selected Not selected Not selected Yes Yes Don't know Neither fairly nor unfairly Somewhat Dissatisfied Neither Satisfied nor Dissatisfied No No Somewhat Familiar Somewhat helpful 85 or older "Some college, not completed" Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $50K to less than $75K Two Female Transactors Not selected Selected Don't know APR and have no balance 5003 18346 0.63383 2 5 2011 Midwest Landline RDD Unqualified No No 45 to 49 Completed high school No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Poor $15K to less than $20K Two Male Not selected Not Selected 3497 33538 0.71557 2 5 2011 Midwest Landline RDD Unqualified Yes Two You do not use any of your general purpose credit cards No 85 or older Post graduate work No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent Don't know One Female Not selected Not Selected 3783 33390 1.22383 2 5 2011 Midwest Landline RDD Qualified Transactors Yes Two More than Six Times You always pay your credit card balances in full on all your cards 0 Don't know No Yes Yes No Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected No Yes No Not selected Not selected Selected Not selected Not selected Yes Refused The Same Very fairly Neither Satisfied nor Dissatisfied Somewhat Satisfied No No Not at all Familiar 35 to 44 Post graduate work Yes 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more One Female Transactors Not selected Selected Don't know APR and have no balance 1149 20798 0.40613 2 5 2011 Midwest Landline RDD Qualified Transactors Yes Four or More More than Six Times You always pay your credit card balances in full on all your cards 0 Don't know Yes Not selected Selected Not selected Not selected Not selected Not selected Yes Yes Don't know Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected No No No No No The Same Somewhat fairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No No Somewhat Familiar Very unhelpful 55 to 59 Post graduate work Yes 4 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 Refused Two Female Transactors Not selected Selected Don't know APR and have no balance 3915 14517 0.58089 2 5 2011 South Landline RDD Unqualified No No 25 to 34 Completed high school No 2 No Not selected Selected Not selected Not selected Not selected Not selected Not selected Black/African-American (non-Hispanic) Don't know Don't know Two Male Not selected Not Selected 4964 29381 0.41423 2 5 2011 South Landline RDD Qualified Revolvers - large balance Yes One Once or Twice You sometimes pay your credit card balances in full and sometimes carry a balance from month to month $3000 to $3999 Don't know 45 45 Yes 9 Yes Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Don't know Not selected Not selected Selected Not selected Not selected Don't know No The Same Very fairly Somewhat Satisfied Extremely Satisfied No No Very Familiar Very helpful 45 to 49 Post graduate work Yes 4 Yes Selected Not selected Not selected Not selected Not selected Not selected Not selected Hispanic Excellent No You could probably come up with $2000 $100K or more Three or more Female Revolvers Not selected Selected Know both interest paid and APR 2610 15141 1.62525 2 5 2011 Northeast Landline RDD Unqualified No Yes You decided to close the account and make purchases in other ways such as with a debit card 25 to 34 "Some high school, not completed" No 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Poor $20K to less than $25K One Male Not selected Not Selected 3445 18811 0.70649 2 5 2011 Midwest Landline RDD Qualified Transactors Yes Two More than Six Times You always pay your credit card balances in full on all your cards 0 Yes 20 No No No Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected Yes Yes The Same Somewhat fairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No No Not Very Familiar Neither helpful nor unhelpful 60 to 64 "Some college, not completed" Yes 4 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You are certain you could come up with the full $2000 Refused One Male Transactors Not selected Selected Know APR and have no balance 4997 18080 1.22383 2 5 2011 Midwest Landline RDD Qualified Revolvers - small balance Yes Three Once or Twice You sometimes pay your credit card balances in full and sometimes carry a balance from month to month $500 to $999 The amount and percentage of the bill that you pay each month varies from month to month 0 0 Yes 0 Yes Selected Selected Selected Not selected Not selected Not selected Yes Yes Yes Not selected Selected Not selected Not selected Not selected Not selected Not selected Not selected Don't know Yes Yes Not selected Not selected Selected Not selected Not selected Yes Yes The Same Somewhat fairly Neither Satisfied nor Dissatisfied Somewhat Satisfied Yes Yes 1 You received something in the mail or via e-mail about the card(s) "You applied for card/cards that read/heard about and seemed attractive, but did not do a lot of comparative shopping" 5 - Extremely important 3 1 - Not at all important 2 1 - Not at all important 1 - Not at all important The introductory interest rate on balance transfers and/or purchases Not Very Familiar Somewhat helpful 35 to 44 Post graduate work Yes 5 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $75K to less than $100K One Female Revolvers Selected Selected Know both interest paid and APR 3475 29655 0.81225 2 5 2011 Midwest Landline RDD Qualified Transactors Yes Four or More More than Six Times You always pay your credit card balances in full on all your cards 0 Yes 8.25 Yes Selected Not selected Not selected Not selected Not selected Not selected Yes No Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected Yes Yes More Neither fairly nor unfairly Neither Satisfied nor Dissatisfied Somewhat Satisfied No Yes 1 You heard about it from a friend or co-workers "You applied for card/cards that read/heard about and seemed attractive, but did not do a lot of comparative shopping" 1 - Not at all important 1 - Not at all important 4 5 - Extremely Important 3 1 - Not at all important The rewards you could earn if you continue to use the card Somewhat Familiar Neither helpful nor unhelpful 55 to 59 Completed college Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more One Female Transactors Not selected Selected Know APR and have no balance 4999 17185 0.70649 2 5 2011 Midwest Landline RDD Qualified Revolvers - large balance Yes Four or More Three or Four Times You usually carry a balance from month to month on at least one of your cards $5000 or more The amount and percentage of the bill that you pay each month varies from month to month 300 19 Yes 14 No Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected Yes Yes Less Very fairly Extremely Dissatisfied Extremely Dissatisfied No Yes 2 Someone at a store at which you were shopping told you about it You shopped around and compared several different cards before selecting the card(s) for which you applied Somewhat difficult 5 - Extremely important 2 2 5 - Extremely Important 5 - Extremely Important 2 The introductory interest rate on balance transfers and/or purchases Somewhat Familiar Somewhat helpful 50 to 54 "Some college, not completed" Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You are certain you could come up with the full $2000 $75K to less than $100K One Male Revolvers Not selected Selected Know both interest paid and APR 1438 14137 0.75295 2 5 2011 West Landline RDD Unqualified No No 50 to 54 Completed college No 1 Yes Selected Not selected Not selected Not selected Not selected Not selected Not selected Hispanic Excellent $75K to less than $100K One Male Not selected Not Selected 1570 21007 0.86567 2 5 2011 West Landline RDD Unqualified Yes One You do not use any of your general purpose credit cards No 55 to 59 "Some college, not completed" No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good $25K to less than $30K One Female Not selected Not Selected 1617 23124 0.77665 2 5 2011 West Landline RDD Unqualified No Yes Other 35 to 44 Completed high school Yes 4 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair $30K to less than $40K Two Female Not selected Not Selected 5019 30095 0.77778 2 5 2011 South Landline RDD Qualified Revolvers - medium balance Yes Two Three or Four Times You sometimes pay your credit card balances in full and sometimes carry a balance from month to month $2000 to $2999 You usually pay the same AMOUNT each month Don't know 0 Yes 9 Yes Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Don't know Selected Selected Selected Not selected Not selected Not selected Not selected Not selected Yes No Don't know Not selected Not selected Selected Not selected Not selected Yes Yes The Same Somewhat fairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No No Somewhat Familiar Somewhat helpful 55 to 59 Post graduate work Yes 2 No Not selected Selected Not selected Not selected Not selected Not selected Not selected Black/African-American (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more One Male Revolvers Selected Selected Know APR but not interest paid 3514 23174 0.81225 2 5 2011 Midwest Landline RDD Qualified Revolvers - medium balance Yes Don't know Once or Twice You sometimes pay your credit card balances in full and sometimes carry a balance from month to month $1000 to $1999 The amount and percentage of the bill that you pay each month varies from month to month Don't know 0 Don't know Yes Selected Not selected Not selected Not selected Not selected Not selected Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Don't know Not selected Not selected Selected Not selected Not selected Don't know Yes More Very fairly Somewhat Satisfied Somewhat Satisfied No No Not at all Familiar 50 to 54 "Some college, not completed" Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You could probably come up with $2000 $40K to less than $50K One Female Revolvers Not selected Selected Know neither interest paid nor APR 1361 16350 1.13449 2 5 2011 West Landline RDD Qualified Transactors Yes Two More than Six Times You always pay your credit card balances in full on all your cards 0 Don't know Don't know Yes Don't know Don't know Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Don't know Yes Don't know Not selected Not selected Selected Not selected Not selected No No More Very fairly Somewhat Satisfied Somewhat Satisfied Yes Yes 2 You received something in the mail or via e-mail about the card(s) You applied for a number of cards because you needed credit and was not sure who would approve your application Somewhat Familiar Somewhat helpful 45 to 49 Post graduate work Yes 3 No Not selected Not selected Not selected Selected Not selected Not selected Not selected Asian/Pacific Islander (non-Hispanic) Good No You are certain you could come up with the full $2000 $100K or more One Male Transactors Not selected Selected Don't know APR and have no balance 1356 31376 1.22999 2 5 2011 West Landline RDD Qualified Revolvers - large balance Yes Four or More Once or Twice You usually carry a balance from month to month on at least one of your cards $5000 or more The amount and percentage of the bill that you pay each month varies from month to month 300 0 Yes 12 Yes Not selected Selected Selected Not selected Not selected Not selected Yes Yes Yes Selected Selected Selected Selected Selected Not selected Not selected Not selected Yes Yes Don't know Selected Selected Not selected Not selected Not selected Yes Yes More Neither fairly nor unfairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied Yes Yes 1 You saw an advertisement on TV or in a newspaper or magazine Other Very Familiar Very helpful 45 to 49 Post graduate work Yes 4 No Not selected Selected Not selected Not selected Not selected Not selected Not selected Black/African-American (non-Hispanic) Don't know No You are certain you could come up with the full $2000 $75K to less than $100K One Male Revolvers Selected Selected Know both interest paid and APR 5036 16805 0.75295 2 5 2011 West Landline RDD Qualified Transactors Yes One More than Six Times You always pay your credit card balances in full on all your cards 0 Don't know No Yes No Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected No Yes No Not selected Not selected Selected Not selected Not selected Yes No The Same Very fairly Somewhat Satisfied Neither Satisfied nor Dissatisfied No No Somewhat Familiar Neither helpful nor unhelpful 55 to 59 Completed college Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more One Male Transactors Not selected Selected Don't know APR and have no balance 407 28345 0.99007 2 5 2011 Northeast Landline RDD Qualified Revolvers - small balance Yes One More than Six Times You usually carry a balance from month to month on at least one of your cards Less than $500 The amount and percentage of the bill that you pay each month varies from month to month 50 0 Yes 8 Yes Not selected Not selected Selected Not selected Not selected Not selected No No Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Don't know Not selected Not selected Selected Not selected Not selected Yes Yes The Same Neither fairly nor unfairly Neither Satisfied nor Dissatisfied Somewhat Dissatisfied No No Somewhat Familiar Somewhat helpful 25 to 34 Post graduate work No 4 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You could probably come up with $2000 $25K to less than $30K One Male Revolvers Not selected Selected Know both interest paid and APR 5041 19510 1.08581 2 5 2011 West Landline RDD Qualified Revolvers - small balance Yes One Once or Twice You sometimes pay your credit card balances in full and sometimes carry a balance from month to month $500 to $999 The amount and percentage of the bill that you pay each month varies from month to month 18 49 Yes 18 No Yes Yes Yes Not selected Not selected Not selected Selected Not selected Not selected Not selected Not selected Yes Yes No Selected Not selected Not selected Not selected Not selected Yes Yes Less Somewhat fairly Extremely Dissatisfied Somewhat Satisfied No No Somewhat Familiar Very unhelpful Under 25 Completed college No 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good Yes You could probably come up with $2000 $15K to less than $20K One Female Revolvers Not selected Selected Know both interest paid and APR 4581 19923 0.31481 2 5 2011 West Landline RDD Qualified Transactors Yes One More than Six Times You always pay your credit card balances in full on all your cards 100 Yes 13 No Don't know Don't know Don't know Don't know Don't know Don't know Don't know Don't know The Same Neither fairly nor unfairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No No Somewhat Familiar Neither helpful nor unhelpful 25 to 34 Post graduate work Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more Three or more Male Transactors Not selected Selected Know APR and have no balance 5002 24220 0.61192 2 5 2011 Midwest Landline RDD Qualified Revolvers - small balance Yes One Once or Twice You sometimes pay your credit card balances in full and sometimes carry a balance from month to month Less than $500 The amount and percentage of the bill that you pay each month varies from month to month 176 50 Yes 15.99 Yes Selected Not selected Not selected Not selected Not selected Not selected Yes Yes Yes Not selected Selected Not selected Selected Not selected Not selected Not selected Not selected Yes Yes No Not selected Selected Not selected Not selected Not selected Yes Yes The Same Very unfairly Somewhat Satisfied Somewhat Satisfied No No Somewhat Familiar Very helpful 35 to 44 Completed college No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You could probably come up with $2000 $15K to less than $20K Two Female Revolvers Selected Selected Know both interest paid and APR 5090 24957 1.12469 2 5 2011 West Landline RDD Unqualified No No Under 25 Completed high school No 4 Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Hispanic Good Don't know Don't know Male Not selected Not Selected 5099 16081 0.71917 2 5 2011 West Landline RDD Unqualified No Yes Other 65 to 69 Completed college Yes 2 No Not selected Selected Not selected Not selected Not selected Not selected Not selected Black/African-American (non-Hispanic) Fair $40K to less than $50K One Male Not selected Not Selected 5078 25069 0.76263 2 5 2011 West Landline RDD Qualified Transactors Yes One Three or Four Times You always pay your credit card balances in full on all your cards 75 Don't know No Yes Yes Don't know Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected Yes Yes The Same Very fairly Don't know Don't know No No Not at all Familiar 75 to 84 Completed college No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $40K to less than $50K One Female Transactors Not selected Selected Don't know APR and have no balance 1543 31671 1.78241 2 5 2011 West Landline RDD Unqualified No No Under 25 "Some high school, not completed" No 5 Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Hispanic Poor $40K to less than $50K One Female Not selected Not Selected 4595 29589 0.66333 2 5 2011 West Landline RDD Qualified Revolvers - medium balance Yes Two More than Six Times You usually carry a balance from month to month on at least one of your cards $1000 to $1999 You usually pay only the MINIMUM AMOUNT due each month 400 200 Yes 10 No No No Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Yes Not selected Not selected Selected Not selected Not selected Yes Yes More Very fairly Somewhat Dissatisfied Somewhat Satisfied No No Not at all Familiar 75 to 84 Post graduate work Yes 7 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair No You could probably NOT come up with $2000 $40K to less than $50K One Male Revolvers Not selected Selected Know both interest paid and APR 5062 28013 1.55328 2 5 2011 West Landline RDD Qualified Revolvers - medium balance Yes Two Five or Six Times You usually carry a balance from month to month on at least one of your cards $2000 to $2999 The amount and percentage of the bill that you pay each month varies from month to month 100 25 Yes 14 Yes Selected Selected Selected Not selected Not selected Not selected Yes Don't know Yes Selected Selected Selected Selected Selected Not selected Not selected Not selected Yes Yes No Selected Not selected Not selected Not selected Not selected Yes No The Same Very fairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No No Somewhat Familiar Somewhat helpful 35 to 44 Completed high school Yes 4 Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Hispanic Fair No You could probably come up with $2000 $30K to less than $40K One Female Revolvers Selected Selected Know both interest paid and APR 5096 25014 0.94443 2 5 2011 West Landline RDD Qualified Transactors Yes Two More than Six Times You always pay your credit card balances in full on all your cards 55 Don't know Yes Selected Not selected Not selected Not selected Not selected Not selected Yes Yes Don't know Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Don't know Yes Yes Not selected Selected Not selected Not selected Not selected Yes Yes The Same Neither fairly nor unfairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No No Somewhat Familiar Very helpful 25 to 34 Completed college No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You could probably come up with $2000 $40K to less than $50K One Male Transactors Not selected Selected Don't know APR and have no balance 5107 32361 0.75295 2 5 2011 West Landline RDD Qualified Revolvers - small balance Yes Three More than Six Times You sometimes pay your credit card balances in full and sometimes carry a balance from month to month Less than $500 You usually pay the same AMOUNT each month Don't know 0 Yes 9 Yes Not selected Not selected Not selected Not selected Selected Not selected Yes Don't know Don't know Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Don't know No Not selected Not selected Selected Not selected Not selected Yes Yes Less Somewhat fairly Somewhat Dissatisfied Somewhat Satisfied No No Not at all Familiar 55 to 59 Completed college Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $50K to less than $75K One Male Revolvers Not selected Selected Know APR but not interest paid 4686 28146 0.43284 2 5 2011 West Landline RDD Unqualified No No 55 to 59 "Some college, not completed" Yes 2 No Selected Not selected Not selected Selected Not selected Not selected Not selected Other (non-Hispanic) Excellent $75K to less than $100K Two Female Not selected Not Selected 5152 16785 1.55032 2 5 2011 West Landline RDD Unqualified No No Under 25 "Some high school, not completed" No 6 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent $50K to less than $75K One Male Not selected Not Selected 5153 27042 0.34363 2 5 2011 West Landline RDD Unqualified No Yes Other 55 to 59 Completed high school Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Poor $40K to less than $50K Three or more Female Not selected Not Selected 1095 33539 1.03451 2 5 2011 South Landline RDD Unqualified No Yes Other 25 to 34 "Some college, not completed" Yes 2 No Not selected Not selected Not selected Not selected Not selected Not selected Selected Other (non-Hispanic) Good $50K to less than $75K One Female Not selected Not Selected 5155 28871 1.17171 2 5 2011 Northeast Landline RDD Unqualified No No 55 to 59 Completed high school No 2 No Not selected Selected Not selected Not selected Not selected Not selected Not selected Black/African-American (non-Hispanic) Poor $40K to less than $50K One Female Not selected Not Selected 5170 21046 1.13829 2 5 2011 Northeast Landline RDD Unqualified No Yes You fell behind on your payments and the bank closed your account 25 to 34 Completed college Yes 7 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Poor Under $15K One Female Not selected Not Selected 5126 18763 0.86567 2 5 2011 West Landline RDD Qualified Revolvers - large balance Yes Three You do not use any of your general purpose credit cards Yes $5000 or more You usually pay the same AMOUNT each month 100 0 Yes 11.9 Yes Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Yes Not selected Not selected Selected Not selected Not selected Not selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected Yes Yes Less Very unfairly Extremely Dissatisfied Neither Satisfied nor Dissatisfied No No Somewhat Familiar Very unhelpful 55 to 59 "Some college, not completed" Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more One Female Revolvers Selected Selected Know both interest paid and APR 5163 14800 0.90751 2 5 2011 Northeast Landline RDD Qualified Transactors Yes One More than Six Times You always pay your credit card balances in full on all your cards 35 Don't know Don't know Yes Don't know Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Don't know Don't know Yes Not selected Not selected Selected Not selected Not selected Yes No The Same Neither fairly nor unfairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No No Somewhat Familiar Neither helpful nor unhelpful 55 to 59 Post graduate work No 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $50K to less than $75K One Female Transactors Not selected Selected Don't know APR and have no balance 5221 15260 0.8668 2 5 2011 Northeast Landline RDD Unqualified No Yes Other 70 to 74 Completed college Yes 2 No Not selected Selected Not selected Not selected Not selected Not selected Not selected Black/African-American (non-Hispanic) Excellent Refused One Female Not selected Not Selected 2843 24609 0.39467 2 5 2011 Northeast Landline RDD Qualified Transactors Yes Three Five or Six Times You always pay your credit card balances in full on all your cards 0 Yes 15 Yes Selected Not selected Not selected Not selected Not selected Not selected Yes No Yes Selected Not selected Not selected Not selected Not selected Not selected Not selected Not selected Yes Yes No Not selected Selected Not selected Not selected Not selected Yes Yes The Same Very fairly Somewhat Satisfied Somewhat Satisfied No No Somewhat Familiar Very helpful 60 to 64 "Some college, not completed" No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 Under $15K Two Male Transactors Selected Selected Know APR and have no balance 2864 32853 0.79949 2 5 2011 Northeast Landline RDD Qualified Yes Four or More Three or Four Times You usually carry a balance from month to month on at least one of your cards Don't know The amount and percentage of the bill that you pay each month varies from month to month 5 0 Yes 4.99 Yes Not selected Selected Not selected Not selected Not selected Not selected Yes Yes Yes Not selected Not selected Selected Not selected Not selected Not selected Not selected Not selected Yes Yes Yes Not selected Selected Not selected Not selected Not selected Yes No The Same Somewhat fairly Somewhat Dissatisfied Somewhat Dissatisfied No No Very Familiar Neither helpful nor unhelpful 70 to 74 "Some college, not completed" No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You are certain you could come up with the full $2000 $30K to less than $40K One Female Selected Selected Know both interest paid and APR 2952 31378 0.82478 2 5 2011 South Landline RDD Qualified Yes One Once or Twice You usually carry a balance from month to month on at least one of your cards Don't know The amount and percentage of the bill that you pay each month varies from month to month 100 0 Yes 12 No No No Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected No No Less Neither fairly nor unfairly Extremely Dissatisfied Extremely Dissatisfied No No Not Very Familiar Neither helpful nor unhelpful 55 to 59 Post graduate work Yes 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You are certain you could come up with the full $2000 $40K to less than $50K One Female Not selected Selected Know both interest paid and APR 5211 25356 1.05528 2 5 2011 Midwest Landline RDD Qualified Yes One Once or Twice Refused Refused The amount and percentage of the bill that you pay each month varies from month to month Don't know 0 Don't know No Yes No Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Yes Selected Not selected Not selected Not selected Not selected Yes Yes The Same Very fairly Somewhat Satisfied Neither Satisfied nor Dissatisfied No No Not at all Familiar Under 25 Completed high school No 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You could probably NOT come up with $2000 $15K to less than $20K One Male Not selected Selected Know neither interest paid nor APR 5199 14700 1.06447 2 5 2011 Midwest Landline RDD Qualified Revolvers - medium balance Yes Two You do not use any of your general purpose credit cards Yes $1000 to $1999 The amount and percentage of the bill that you pay each month varies from month to month 9 0 Yes 9 No Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected Yes Yes More Very fairly Somewhat Satisfied Extremely Dissatisfied Yes Yes 1 You received something in the mail or via e-mail about the card(s) "You applied for card/cards that read/heard about and seemed attractive, but did not do a lot of comparative shopping" 5 - Extremely important 5 - Extremely Important 5 - Extremely Important 5 - Extremely Important 5 - Extremely Important 5 - Extremely Important The introductory interest rate on balance transfers and/or purchases Very Familiar Very helpful 45 to 49 Completed college Yes 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more One Male Revolvers Not selected Selected Know both interest paid and APR 3056 21009 0.27604 2 5 2011 Northeast Landline RDD Unqualified No No 75 to 84 Completed high school No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent $40K to less than $50K Three or more Male Not selected Not Selected 3038 28889 1.13829 2 5 2011 Northeast Landline RDD Qualified Transactors Yes Three More than Six Times You always pay your credit card balances in full on all your cards 0 Yes 0 No Don't know No Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected No Yes No Not selected Selected Not selected Not selected Not selected No Yes The Same Somewhat fairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No No Not at all Familiar 25 to 34 Post graduate work Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more One Female Transactors Not selected Selected Know APR and have no balance 5252 21379 1.06447 2 5 2011 Midwest Landline RDD Unqualified Yes Two You do not use any of your general purpose credit cards No 45 to 49 Completed college Yes 4 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent $75K to less than $100K One Male Not selected Not Selected 5279 24897 1.07156 2 5 2011 South Landline RDD Unqualified No No Under 25 Completed high school No 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Don't know $100K or more One Male Not selected Not Selected 3954 15189 0.43102 2 5 2011 West Landline RDD Unqualified No No 25 to 34 Completed high school No 3 No Not selected Not selected Not selected Selected Not selected Not selected Not selected Asian/Pacific Islander (non-Hispanic) Good Under $15K Three or more Female Not selected Not Selected 3664 23461 1.45465 2 5 2011 Midwest Landline RDD Unqualified No No 25 to 34 "Some high school, not completed" Yes 5 No Selected Not selected Selected Not selected Not selected Not selected Not selected Other (non-Hispanic) Fair Under $15K One Male Not selected Not Selected 5205 15072 0.70649 2 5 2011 Midwest Landline RDD Qualified Revolvers - small balance Yes Four or More More than Six Times You sometimes pay your credit card balances in full and sometimes carry a balance from month to month Less than $500 You usually pay the same PERCENTAGE of the bill each month Don't know 1000 Yes 6.5 No No No No No Yes Yes Selected Not selected Not selected Not selected Not selected Yes Yes More Very fairly Extremely Satisfied Somewhat Satisfied No No Somewhat Familiar Very helpful 55 to 59 "Some college, not completed" No 1 No Not selected Not selected Selected Not selected Not selected Not selected Not selected American Indian or Alaska Native (non-Hispanic) Fair Yes You are certain you could come up with the full $2000 Under $15K One Male Revolvers Not selected Selected Know APR but not interest paid 5271 28677 0.85215 2 5 2011 Midwest Landline RDD Qualified Transactors Yes Two More than Six Times You always pay your credit card balances in full on all your cards 0 Don't know Yes Not selected Not selected Not selected Selected Not selected Not selected Don't know No No No Yes No Not selected Not selected Selected Not selected Not selected No Don't know The Same Refused Extremely Dissatisfied Extremely Dissatisfied No No Not at all Familiar 65 to 69 Completed high school No 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 Refused One Female Transactors Not selected Selected Don't know APR and have no balance 4310 32769 0.54291 2 5 2011 West Landline RDD Unqualified No No Under 25 "Some college, not completed" No 5 Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Hispanic Good $30K to less than $40K Two Female Not selected Not Selected 5295 28399 1.30432 2 5 2011 West Landline RDD Unqualified Yes One You do not use any of your general purpose credit cards No 35 to 44 Completed college Yes 5 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good $100K or more One Female Not selected Not Selected 4930 18581 0.27604 2 5 2011 Northeast Landline RDD Unqualified Yes Three You do not use any of your general purpose credit cards No 85 or older Completed high school No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent $40K to less than $50K Three or more Male Not selected Not Selected 3564 30014 1.06447 2 5 2011 Midwest Landline RDD Qualified Revolvers - large balance Yes Two Three or Four Times You usually carry a balance from month to month on at least one of your cards $5000 or more You usually pay the same AMOUNT each month 400 0 Yes 13 No Yes Yes Yes Not selected Selected Not selected Not selected Not selected Not selected Not selected Not selected Yes Yes Yes Not selected Not selected Selected Not selected Not selected Yes Yes The Same Somewhat fairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied Yes Yes 1 You saw an advertisement on the Internet Other Somewhat Familiar Somewhat helpful 35 to 44 Completed college Yes 4 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You could probably come up with $2000 $75K to less than $100K One Male Revolvers Selected Selected Know both interest paid and APR 4056 15139 1.30432 2 5 2011 West Landline RDD Qualified Transactors Yes One More than Six Times You always pay your credit card balances in full on all your cards 0 Yes 13 No Yes Don't know Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Don't know Yes No Not selected Not selected Selected Not selected Not selected No No The Same Very fairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No No Somewhat Familiar Neither helpful nor unhelpful 45 to 49 Completed college Yes 4 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more One Female Transactors Not selected Selected Know APR and have no balance 5286 17392 0.63199 2 5 2011 South Landline RDD Qualified Transactors Yes Two Three or Four Times You always pay your credit card balances in full on all your cards 15 Don't know No Yes No Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected No Yes The Same Very fairly Extremely Satisfied Somewhat Satisfied No No Somewhat Familiar Somewhat helpful 75 to 84 Post graduate work Yes 2 No Not selected Not selected Not selected Not selected Not selected Not selected Selected Other (non-Hispanic) Excellent No You could probably come up with $2000 $50K to less than $75K One Male Transactors Not selected Selected Don't know APR and have no balance 4222 24529 0.30273 2 5 2011 West Landline RDD Qualified Transactors Yes Three More than Six Times You always pay your credit card balances in full on all your cards 0 Don't know No Don't know No No Don't know Yes No Not selected Not selected Selected Not selected Not selected No No The Same Very fairly Don't know Extremely Satisfied No No Somewhat Familiar Don't know 65 to 69 Completed high school Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 Refused Three or more Female Transactors Not selected Selected Don't know APR and have no balance 5314 29802 0.85431 2 5 2011 South Landline RDD Unqualified No No 50 to 54 Completed high school No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good $15K to less than $20K One Male Not selected Not Selected 5308 19378 0.27492 2 5 2011 South Landline RDD Qualified Transactors Yes Don't know More than Six Times You always pay your credit card balances in full on all your cards 0 Don't know Yes Selected Selected Selected Not selected Not selected Not selected Yes Don't know Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Yes Not selected Not selected Selected Not selected Not selected Yes Yes The Same Somewhat fairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied Yes No Somewhat Familiar Neither helpful nor unhelpful 60 to 64 "Some college, not completed" Yes 2 No Selected Not selected Selected Not selected Not selected Not selected Not selected Other (non-Hispanic) Excellent No You could probably come up with $2000 Don't know Three or more Female Transactors Not selected Selected Don't know APR and have no balance 2577 15690 1.18932 2 5 2011 Northeast Landline RDD Qualified Revolvers - small balance Yes Four or More More than Six Times You sometimes pay your credit card balances in full and sometimes carry a balance from month to month Less than $500 The amount and percentage of the bill that you pay each month varies from month to month 100 100 Yes 12 Yes Selected Selected Not selected Not selected Not selected Not selected Yes No No Not selected Not selected Not selected Selected Not selected Not selected Not selected Not selected Yes No No Selected Not selected Not selected Not selected Not selected No No Less Very unfairly Extremely Dissatisfied Extremely Dissatisfied No No Somewhat Familiar Neither helpful nor unhelpful 35 to 44 Completed college Yes 4 No Not selected Not selected Not selected Selected Selected Not selected Not selected Asian/Pacific Islander (non-Hispanic) Good No You are certain you could come up with the full $2000 $50K to less than $75K One Male Revolvers Not selected Selected Know both interest paid and APR 3547 31696 0.81225 2 5 2011 Midwest Landline RDD Qualified Transactors Yes Two Once or Twice You always pay your credit card balances in full on all your cards 0 Yes 10 Yes Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Yes Not selected Not selected Selected Not selected Not selected Not selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected Yes Yes Less Somewhat fairly Somewhat Dissatisfied Neither Satisfied nor Dissatisfied No No Somewhat Familiar Neither helpful nor unhelpful 50 to 54 "Some college, not completed" Yes 5 No Selected Not selected Selected Not selected Not selected Not selected Not selected Other (non-Hispanic) Excellent No You are certain you could come up with the full $2000 Refused One Female Transactors Selected Selected Know APR and have no balance 2240 31458 0.71738 2 5 2011 South Landline RDD Qualified Transactors Yes Three More than Six Times You always pay your credit card balances in full on all your cards 120 Refused Yes Not selected Not selected Not selected Selected Not selected Not selected Yes Don't know Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Don't know Yes No Not selected Not selected Selected Not selected Not selected Yes Don't know The Same Neither fairly nor unfairly Extremely Dissatisfied Neither Satisfied nor Dissatisfied No No Somewhat Familiar Neither helpful nor unhelpful 50 to 54 "Some college, not completed" Yes 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more One Male Transactors Not selected Selected Refused at least one of the two questions 5340 23751 1.48247 2 5 2011 Northeast Landline RDD Unqualified No Yes You decided to close the account and make purchases in other ways such as with a debit card 35 to 44 "Some college, not completed" No 3 No Not selected Selected Not selected Not selected Not selected Not selected Not selected Black/African-American (non-Hispanic) Fair $50K to less than $75K One Female Not selected Not Selected 5325 32097 0.29993 2 5 2011 South Landline RDD Qualified Transactors Yes One More than Six Times You always pay your credit card balances in full on all your cards 0 Yes 0 No Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Not selected Not selected Selected Yes Yes Yes Not selected Not selected Selected Not selected Not selected Yes Yes More Very unfairly Refused Refused No No Very Familiar Very helpful Under 25 Completed college No 4 Yes Selected Not selected Not selected Not selected Not selected Not selected Not selected Hispanic Good No You are certain you could come up with the full $2000 $100K or more Three or more Male Transactors Not selected Selected Know APR and have no balance 5330 26270 0.70649 2 5 2011 Midwest Landline RDD Qualified Transactors Yes Two Three or Four Times You always pay your credit card balances in full on all your cards 100 Refused Yes Not selected Selected Not selected Not selected Not selected Not selected Yes No Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Don't know Not selected Not selected Selected Not selected Not selected Yes Yes The Same Very fairly Neither Satisfied nor Dissatisfied Refused No No Somewhat Familiar Neither helpful nor unhelpful 55 to 59 "Some college, not completed" Yes 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 Refused One Male Transactors Not selected Selected Refused at least one of the two questions 4279 21211 1.40192 2 5 2011 West Landline RDD Unqualified No No 25 to 34 Completed high school Yes 2 No Not selected Selected Not selected Not selected Not selected Not selected Not selected Black/African-American (non-Hispanic) Poor $20K to less than $25K One Female Not selected Not Selected 5320 17033 0.75262 2 5 2011 South Landline RDD Qualified Revolvers - small balance Yes One Five or Six Times You usually carry a balance from month to month on at least one of your cards $500 to $999 The amount and percentage of the bill that you pay each month varies from month to month Don't know Don't know Yes 9.9 No Yes Yes Yes Not selected Not selected Selected Not selected Not selected Not selected Not selected Not selected Yes Yes No Selected Not selected Not selected Not selected Not selected No Yes The Same Very fairly Extremely Dissatisfied Somewhat Satisfied No No Very Familiar Somewhat helpful Refused Completed high school Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could NOT raise the full $2000 Refused One Male Revolvers Selected Selected Know APR but not interest paid 2087 20834 1.2872 2 5 2011 South Landline RDD Qualified Revolvers - medium balance Yes One Five or Six Times You usually carry a balance from month to month on at least one of your cards $1000 to $1999 The amount and percentage of the bill that you pay each month varies from month to month 27 37 Yes 27 No Yes Yes No Not selected Not selected Not selected Selected Not selected Not selected Not selected Not selected Yes Yes Yes Not selected Not selected Selected Not selected Not selected Yes Yes Less Very fairly Somewhat Dissatisfied Extremely Dissatisfied No No Somewhat Familiar Very helpful 35 to 44 Completed high school Yes 9 No Not selected Not selected Not selected Not selected Not selected Selected Not selected Other (non-Hispanic) Good No You could probably NOT come up with $2000 $40K to less than $50K One Male Revolvers Not selected Selected Know both interest paid and APR 3940 28204 0.51546 2 5 2011 West Landline RDD Qualified Revolvers - large balance Yes Four or More Once or Twice You sometimes pay your credit card balances in full and sometimes carry a balance from month to month $5000 or more The amount and percentage of the bill that you pay each month varies from month to month Don't know 0 Don't know Yes Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Yes Selected Not selected Not selected Not selected Not selected Not selected Not selected Not selected Yes No No Selected Not selected Not selected Not selected Not selected Yes Yes The Same Very fairly Somewhat Satisfied Somewhat Dissatisfied No No Not at all Familiar 55 to 59 Completed high school Yes 2 No Selected Not selected Selected Not selected Not selected Not selected Not selected Other (non-Hispanic) Excellent No You could probably come up with $2000 $15K to less than $20K Two Female Revolvers Selected Selected Know neither interest paid nor APR 5362 20022 0.82478 2 5 2011 South Landline RDD Unqualified Yes Two You do not use any of your general purpose credit cards No 50 to 54 Completed college Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent $75K to less than $100K One Female Not selected Not Selected 5351 16456 0.69539 2 5 2011 Northeast Landline RDD Qualified Transactors Yes One Once or Twice You always pay your credit card balances in full on all your cards 0 Don't know Yes Not selected Not selected Selected Not selected Not selected Not selected Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Yes Not selected Not selected Selected Not selected Not selected Yes Yes The Same Very fairly Extremely Satisfied Extremely Satisfied No No Somewhat Familiar Somewhat helpful 65 to 69 Completed college No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $30K to less than $40K One Male Transactors Not selected Selected Don't know APR and have no balance 4955 22926 0.90751 2 5 2011 Northeast Landline RDD Qualified Revolvers - large balance Yes Two Once or Twice You usually carry a balance from month to month on at least one of your cards $5000 or more The amount and percentage of the bill that you pay each month varies from month to month 480 0 Yes 7.99 Yes Selected Not selected Not selected Not selected Not selected Not selected Yes No Yes Not selected Selected Selected Not selected Not selected Not selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected Yes Yes The Same Very fairly Somewhat Satisfied Somewhat Satisfied No No Somewhat Familiar Somewhat helpful 60 to 64 "Some college, not completed" No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You could probably come up with $2000 $75K to less than $100K One Female Revolvers Selected Selected Know both interest paid and APR 4022 32748 1.13449 2 5 2011 West Landline RDD Qualified Revolvers - medium balance Yes Three Three or Four Times You sometimes pay your credit card balances in full and sometimes carry a balance from month to month $1000 to $1999 The amount and percentage of the bill that you pay each month varies from month to month 6 0 Yes 6 No Yes Yes Yes Not selected Not selected Selected Not selected Not selected Not selected Not selected Not selected Yes Yes Don't know Selected Not selected Not selected Not selected Not selected Yes Yes Less Very fairly Extremely Satisfied Somewhat Dissatisfied No Yes 1 Other Other Not Very Familiar Somewhat unhelpful 45 to 49 Post graduate work Yes 4 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more One Male Revolvers Selected Selected Know both interest paid and APR 3288 15658 1.36736 2 5 2011 Northeast Landline RDD Qualified Transactors Yes Three Three or Four Times You always pay your credit card balances in full on all your cards 0 Yes 14 Yes Not selected Not selected Selected Not selected Not selected Not selected Yes No No Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected No No No No No Less Very unfairly Extremely Dissatisfied Somewhat Dissatisfied No No Not at all Familiar 35 to 44 Completed college No 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You could probably come up with $2000 Refused One Female Transactors Not selected Selected Know APR and have no balance 1135 17871 0.82478 2 5 2011 South Landline RDD Qualified Transactors Yes Four or More Once or Twice You always pay your credit card balances in full on all your cards 2 Yes 13 Yes Not selected Not selected Selected Not selected Not selected Not selected Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Don't know No Selected Not selected Not selected Not selected Not selected No No Less Somewhat fairly Somewhat Dissatisfied Neither Satisfied nor Dissatisfied No No Not at all Familiar 60 to 64 Post graduate work No 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You could probably come up with $2000 $40K to less than $50K One Female Transactors Not selected Selected Know APR and have no balance 5391 30355 0.86529 2 5 2011 South Landline RDD Unqualified No No 85 or older Completed high school No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent $30K to less than $40K One Female Not selected Not Selected 5387 25282 1.0188 2 5 2011 Midwest Landline RDD Qualified Transactors Yes Two Five or Six Times You always pay your credit card balances in full on all your cards 0 Yes 12 No No Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Yes Not selected Not selected Selected Not selected Not selected Yes Yes The Same Very fairly Somewhat Satisfied Somewhat Satisfied No No Somewhat Familiar Neither helpful nor unhelpful 25 to 34 Completed college Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $50K to less than $75K One Female Transactors Not selected Selected Know APR and have no balance 1600 16642 1.55032 2 5 2011 West Landline RDD Unqualified No No Under 25 "Some high school, not completed" No 3 Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Hispanic Excellent Don't know One Male Not selected Not Selected 5403 21195 0.86567 2 5 2011 West Landline RDD Qualified Yes Four or More You do not use any of your general purpose credit cards Yes Don't know You usually pay the same AMOUNT each month 500 100 Yes 27 No Yes Yes Yes Selected Not selected Selected Selected Not selected Not selected Not selected Not selected Yes Yes No Selected Not selected Not selected Not selected Not selected Yes Yes More Somewhat fairly Extremely Dissatisfied Somewhat Satisfied No No Somewhat Familiar Somewhat helpful 55 to 59 Post graduate work Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair No You are certain you could come up with the full $2000 $75K to less than $100K One Female Selected Selected Know both interest paid and APR 2881 15267 0.49111 2 5 2011 South Landline RDD Unqualified No Yes You decided to close the account and make purchases in other ways such as with a debit card 60 to 64 Completed high school Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good Don't know Two Female Not selected Not Selected 5409 14743 1.13449 2 5 2011 West Landline RDD Qualified Transactors Yes One Five or Six Times You always pay your credit card balances in full on all your cards 0 Yes 16 No Don't know No Don't know Yes Yes No Not selected Not selected Selected Not selected Not selected No No Less Very fairly Refused Refused No Yes 1 Other Other Not at all Familiar 35 to 44 "Some college, not completed" No 1 Yes Selected Not selected Not selected Not selected Not selected Not selected Not selected Hispanic Fair No You are certain you could NOT raise the full $2000 $15K to less than $20K One Male Transactors Not selected Selected Know APR and have no balance 5411 16989 0.75295 2 5 2011 West Landline RDD Qualified Revolvers - large balance Yes One Once or Twice You usually carry a balance from month to month on at least one of your cards $5000 or more The amount and percentage of the bill that you pay each month varies from month to month 500 0 Yes 6.5 Yes Not selected Selected Not selected Not selected Not selected Not selected Yes Yes Yes Not selected Selected Not selected Not selected Not selected Not selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected Yes No More Somewhat fairly Somewhat Satisfied Somewhat Satisfied No No Somewhat Familiar Very helpful 50 to 54 "Some college, not completed" Yes 2 No Not selected Not selected Not selected Not selected Not selected Not selected Selected Other (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $75K to less than $100K One Male Revolvers Selected Selected Know both interest paid and APR 5420 20341 0.75295 2 5 2011 West Landline RDD Qualified Transactors Yes Four or More More than Six Times You always pay your credit card balances in full on all your cards Don't know Yes 15 Yes Not selected Not selected Not selected Not selected Selected Not selected Yes No Yes Not selected Selected Not selected Not selected Not selected Not selected Not selected Not selected Yes No No Not selected Not selected Selected Not selected Not selected Yes Yes Less Somewhat fairly Neither Satisfied nor Dissatisfied Somewhat Dissatisfied No No Not Very Familiar Neither helpful nor unhelpful 50 to 54 Completed college Yes 4 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You are certain you could come up with the full $2000 $100K or more One Male Transactors Selected Selected Know APR and have no balance 5441 15680 1.03451 2 5 2011 South Landline RDD Unqualified No Yes You decided to close the account and make purchases in other ways such as with a debit card 25 to 34 Post graduate work No 4 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good $50K to less than $75K One Female Not selected Not Selected 5400 14941 0.89667 2 5 2011 West Landline RDD Qualified Revolvers - small balance Yes Two Once or Twice You usually carry a balance from month to month on at least one of your cards $500 to $999 You usually pay the same AMOUNT each month 100 39 Yes 14.99 Yes Selected Not selected Not selected Not selected Not selected Not selected Yes Yes Yes Not selected Not selected Selected Not selected Not selected Not selected Not selected Not selected Yes Yes Yes Not selected Selected Not selected Not selected Not selected Yes Yes Less Neither fairly nor unfairly Somewhat Dissatisfied Somewhat Satisfied No No Not Very Familiar Very helpful 50 to 54 Completed high school No 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair No You could probably come up with $2000 $40K to less than $50K One Male Revolvers Selected Selected Know both interest paid and APR 5470 26485 0.96729 2 5 2011 Midwest Landline RDD Qualified Transactors Yes One More than Six Times You always pay your credit card balances in full on all your cards 0 Don't know No Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Don't know Don't know Not selected Not selected Selected Not selected Not selected Yes Yes The Same Very fairly Somewhat Dissatisfied Somewhat Dissatisfied No No Very Familiar Neither helpful nor unhelpful 60 to 64 Completed high school Yes 2 Yes Not selected Not selected Not selected Not selected Not selected Not selected Selected Hispanic Excellent No You are certain you could come up with the full $2000 $75K to less than $100K One Female Transactors Not selected Selected Don't know APR and have no balance 5469 19681 1.0188 2 5 2011 Midwest Landline RDD Qualified Transactors Yes Two More than Six Times You always pay your credit card balances in full on all your cards 0 Don't know No Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Don't know Not selected Not selected Selected Not selected Not selected Yes No The Same Neither fairly nor unfairly Extremely Dissatisfied Neither Satisfied nor Dissatisfied Yes No Not at all Familiar 25 to 34 Completed college No 4 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You could probably NOT come up with $2000 $40K to less than $50K One Female Transactors Not selected Selected Don't know APR and have no balance 5510 19256 1.17722 2 5 2011 West Landline RDD Unqualified No Yes You fell behind on your payments and the bank closed your account 25 to 34 "Some college, not completed" No 3 No Not selected Selected Not selected Not selected Not selected Not selected Not selected Black/African-American (non-Hispanic) Poor $20K to less than $25K One Female Not selected Not Selected 5442 14536 0.85215 2 5 2011 Midwest Landline RDD Qualified Revolvers - small balance Yes Four or More Once or Twice You sometimes pay your credit card balances in full and sometimes carry a balance from month to month Less than $500 The amount and percentage of the bill that you pay each month varies from month to month 20 0 Don't know No Yes Don't know Yes Not selected Not selected Not selected Selected Not selected Not selected Not selected Not selected Yes Don't know Don't know Not selected Not selected Selected Not selected Not selected No No The Same Somewhat fairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No No Not Very Familiar Neither helpful nor unhelpful 65 to 69 Completed high school Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $50K to less than $75K One Female Revolvers Not selected Selected Know interest paid but not APR 5512 26761 0.75295 2 5 2011 West Landline RDD Unqualified No Yes You closed some accounts and other accounts were closed by the bank 60 to 64 Post graduate work No 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Poor $75K to less than $100K One Male Not selected Not Selected 5496 29791 1.29306 2 5 2011 West Landline RDD Unqualified No No Under 25 Completed high school No 5 Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Hispanic Excellent Under $15K Refused Female Not selected Not Selected 5494 26005 0.89667 2 5 2011 West Landline RDD Qualified Transactors Yes Two Five or Six Times You always pay your credit card balances in full on all your cards 0 Yes 14 No No No Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected No Yes No Not selected Not selected Selected Not selected Not selected No Yes More Very fairly Somewhat Satisfied Somewhat Satisfied No No Somewhat Familiar Very helpful 50 to 54 Completed high school Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $75K to less than $100K One Male Transactors Not selected Selected Know APR and have no balance 5523 28159 0.84134 2 5 2011 Midwest Landline RDD Unqualified No No 55 to 59 Completed high school Yes 4 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair $15K to less than $20K One Male Not selected Not Selected 46 18068 0.86529 2 5 2011 South Landline RDD Unqualified No Yes You decided to close the account and make purchases in other ways such as with a debit card 65 to 69 Completed high school Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair Refused One Female Not selected Not Selected 5507 21762 0.76263 2 5 2011 West Landline RDD Qualified Transactors Yes One Once or Twice You always pay your credit card balances in full on all your cards 0 Don't know No Don't know Don't know Don't know Yes Don't know Don't know Not selected Not selected Selected Not selected Not selected No No Less Very fairly Somewhat Satisfied Neither Satisfied nor Dissatisfied No No Not at all Familiar 70 to 74 Completed college No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $25K to less than $30K One Female Transactors Not selected Selected Don't know APR and have no balance 4212 29741 1.30432 2 5 2011 West Landline RDD Qualified Transactors Yes Two More than Six Times You always pay your credit card balances in full on all your cards 0 Don't know Yes Not selected Not selected Selected Not selected Not selected Not selected Yes No Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected Yes Don't know The Same Somewhat unfairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No Yes 1 You saw an advertisement on the Internet You shopped around and compared several different cards before selecting the card(s) for which you applied Somewhat difficult 3 3 5 - Extremely Important 5 - Extremely Important 5 - Extremely Important 4 The rewards you could earn if you continue to use the card Not at all Familiar 35 to 44 Post graduate work Yes 2 No Not selected Not selected Not selected Selected Not selected Not selected Not selected Asian/Pacific Islander (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more One Female Transactors Not selected Selected Don't know APR and have no balance 4727 16298 0.3274 2 5 2011 South Landline RDD Unqualified No Yes Other 50 to 54 Completed high school Yes 6 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Poor $75K to less than $100K Three or more Female Not selected Not Selected 5509 18120 0.75295 2 5 2011 West Landline RDD Qualified Transactors Yes Four or More More than Six Times You always pay your credit card balances in full on all your cards 25 Yes 0 No Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected No Yes The Same Very fairly Somewhat Dissatisfied Somewhat Satisfied No Yes 1 You saw an advertisement on the Internet "You applied for card/cards that read/heard about and seemed attractive, but did not do a lot of comparative shopping" 1 - Not at all important 1 - Not at all important 5 - Extremely Important 5 - Extremely Important 1 - Not at all important 1 - Not at all important The rewards you could earn if you continue to use the card Somewhat Familiar Neither helpful nor unhelpful 55 to 59 Post graduate work No 1 Yes Selected Not selected Not selected Not selected Not selected Not selected Not selected Hispanic Excellent No You are certain you could come up with the full $2000 $50K to less than $75K One Male Transactors Not selected Selected Know APR and have no balance 5520 32075 0.45376 2 5 2011 Northeast Landline RDD Qualified Revolvers - large balance Yes Four or More More than Six Times You usually carry a balance from month to month on at least one of your cards $5000 or more The amount and percentage of the bill that you pay each month varies from month to month 200 0 Yes 14.9 Yes Not selected Selected Not selected Not selected Not selected Not selected Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Yes Not selected Selected Not selected Not selected Not selected Yes Yes Less Somewhat unfairly Somewhat Dissatisfied Somewhat Satisfied Yes No Somewhat Familiar Somewhat helpful 55 to 59 Post graduate work Yes 4 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good Yes You are certain you could come up with the full $2000 $100K or more Two Female Revolvers Not selected Selected Know both interest paid and APR 5530 23516 0.90751 2 5 2011 Northeast Landline RDD Qualified Revolvers - large balance Yes Two Once or Twice You usually carry a balance from month to month on at least one of your cards $3000 to $3999 The amount and percentage of the bill that you pay each month varies from month to month Don't know 0 Yes 7.9 No No No No Yes Yes No Not selected Not selected Selected Not selected Not selected Yes Yes The Same Very fairly Somewhat Satisfied Somewhat Satisfied Yes No Somewhat Familiar Somewhat helpful 50 to 54 "Some college, not completed" No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $25K to less than $30K One Female Revolvers Not selected Selected Know APR but not interest paid 322 31139 0.23549 2 5 2011 Midwest Landline RDD Qualified Transactors Yes Four or More More than Six Times You always pay your credit card balances in full on all your cards 0 Don't know No Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected Yes Yes The Same Somewhat fairly Extremely Dissatisfied Neither Satisfied nor Dissatisfied No No Not at all Familiar 55 to 59 Post graduate work Yes 2 No Not selected Not selected Not selected Not selected Not selected Not selected Selected Other (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $50K to less than $75K Three or more Male Transactors Not selected Selected Don't know APR and have no balance 5544 24599 0.78934 2 5 2011 Northeast Landline RDD Qualified Transactors Yes Four or More Once or Twice You always pay your credit card balances in full on all your cards 55 Yes 0 Yes Selected Not selected Not selected Not selected Not selected Not selected Yes Yes Yes Not selected Not selected Selected Not selected Not selected Not selected Not selected Not selected Yes Yes Yes Not selected Not selected Selected Not selected Not selected Yes Yes Less Very fairly Somewhat Satisfied Somewhat Satisfied No No Very Familiar Neither helpful nor unhelpful 60 to 64 "Some college, not completed" No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $30K to less than $40K One Male Transactors Selected Selected Know APR and have no balance 5568 15377 1.36736 2 5 2011 Northeast Landline RDD Unqualified Yes Four or More You do not use any of your general purpose credit cards No 35 to 44 Post graduate work Yes 4 Yes Selected Not selected Not selected Not selected Not selected Not selected Not selected Hispanic Excellent $100K or more One Female Not selected Not Selected 5578 22235 1.60449 2 5 2011 South Landline RDD Unqualified No No 45 to 49 Completed high school No 1 No Not selected Selected Not selected Not selected Not selected Not selected Not selected Black/African-American (non-Hispanic) Fair $20K to less than $25K One Female Not selected Not Selected 5584 18324 1.10457 2 5 2011 Midwest Landline RDD Unqualified No No 25 to 34 Completed college No 1 No Not selected Selected Not selected Not selected Not selected Not selected Not selected Black/African-American (non-Hispanic) Good $30K to less than $40K One Female Not selected Not Selected 4785 31384 0.81225 2 5 2011 Midwest Landline RDD Qualified Transactors Yes Don't know Five or Six Times You always pay your credit card balances in full on all your cards 0 Yes 18 No Yes Don't know Yes Not selected Not selected Selected Not selected Not selected Not selected Not selected Not selected Yes Don't know Don't know Not selected Not selected Selected Not selected Not selected No No Less Somewhat fairly Neither Satisfied nor Dissatisfied Somewhat Dissatisfied No No Not at all Familiar 55 to 59 Post graduate work Yes 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You could probably come up with $2000 $75K to less than $100K One Female Transactors Selected Selected Know APR and have no balance 5549 15145 0.6852 2 5 2011 South Landline RDD Qualified Yes Don't know Three or Four Times You usually carry a balance from month to month on at least one of your cards Don't know The amount and percentage of the bill that you pay each month varies from month to month Don't know Don't know Don't know No Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Don't know Not selected Not selected Selected Not selected Not selected Yes Don't know The Same Don't know Neither Satisfied nor Dissatisfied Don't know No No Somewhat Familiar Don't know 65 to 69 "Some college, not completed" Yes 2 No Not selected Selected Not selected Not selected Not selected Not selected Not selected Black/African-American (non-Hispanic) Good No Refused $15K to less than $20K One Male Not selected Selected Know neither interest paid nor APR 1956 15347 0.89421 2 5 2011 South Landline RDD Qualified Revolvers - large balance Yes Four or More Three or Four Times You usually carry a balance from month to month on at least one of your cards $5000 or more You usually pay the same AMOUNT each month 18 35 Don't know Yes Selected Not selected Not selected Not selected Not selected Not selected Yes Yes Yes Not selected Not selected Selected Not selected Not selected Not selected Not selected Not selected No No No No Yes Less Very fairly Somewhat Dissatisfied Somewhat Dissatisfied No No Not at all Familiar 50 to 54 Completed college Yes 4 No Not selected Selected Not selected Not selected Not selected Not selected Not selected Black/African-American (non-Hispanic) Good No You could probably NOT come up with $2000 $100K or more One Female Revolvers Selected Selected Know interest paid but not APR 5573 18471 0.95209 2 5 2011 Northeast Landline RDD Qualified Transactors Yes Two More than Six Times You always pay your credit card balances in full on all your cards 0 Don't know No No No No Don't know Yes Yes Not selected Not selected Selected Not selected Not selected Yes Yes More Very fairly Extremely Satisfied Extremely Satisfied No No Very Familiar Very helpful 65 to 69 Refused Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $15K to less than $20K One Female Transactors Not selected Selected Don't know APR and have no balance 1404 19768 0.94443 2 5 2011 West Landline RDD Qualified Transactors Yes One More than Six Times You always pay your credit card balances in full on all your cards 30 Yes 17 No No Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes No Selected Not selected Not selected Not selected Not selected Yes Yes Less Neither fairly nor unfairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No No Not at all Familiar Under 25 "Some college, not completed" No 5 No Not selected Not selected Not selected Not selected Not selected Selected Not selected Other (non-Hispanic) Fair Yes You are certain you could NOT raise the full $2000 $40K to less than $50K One Male Transactors Not selected Selected Know APR and have no balance 1724 21215 1.46477 2 5 2011 West Landline RDD Qualified Transactors Yes Refused Once or Twice You always pay your credit card balances in full on all your cards 0 Don't know No Don't know Don't know Don't know No No Yes Selected Not selected Not selected Not selected Not selected No No Less Somewhat unfairly Extremely Dissatisfied Extremely Dissatisfied No No Somewhat Familiar Somewhat helpful 35 to 44 Completed high school No 1 No Not selected Selected Not selected Not selected Not selected Not selected Not selected Black/African-American (non-Hispanic) Good No You are certain you could come up with the full $2000 Refused One Male Transactors Not selected Selected Don't know APR and have no balance 4907 23053 0.81225 2 5 2011 Midwest Landline RDD Qualified Transactors Yes Two Three or Four Times You always pay your credit card balances in full on all your cards 0 Don't know Yes Selected Not selected Not selected Not selected Not selected Not selected Yes Yes Yes Selected Selected Selected Selected Not selected Not selected Not selected Not selected Yes Don't know Yes Not selected Not selected Selected Not selected Not selected Yes Yes The Same Very fairly Neither Satisfied nor Dissatisfied Somewhat Satisfied No No Not Very Familiar Neither helpful nor unhelpful 60 to 64 Post graduate work Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $50K to less than $75K One Female Transactors Selected Selected Don't know APR and have no balance 5327 33515 1.60143 2 5 2011 South Landline RDD Unqualified No No Under 25 Completed grade school or less No 1 No Selected Selected Selected Selected Selected Not selected Not selected Other (non-Hispanic) Don't know Under $15K One Male Not selected Not Selected 5611 16572 0.77581 2 5 2011 Midwest Landline RDD Unqualified No No 65 to 69 "Some college, not completed" No 1 No Not selected Selected Not selected Not selected Not selected Not selected Not selected Black/African-American (non-Hispanic) Good $40K to less than $50K One Female Not selected Not Selected 5596 26720 0.49111 2 5 2011 South Landline RDD Qualified Transactors Yes One Five or Six Times You always pay your credit card balances in full on all your cards 0 Refused No Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Yes Not selected Not selected Selected Not selected Not selected Yes Yes The Same Very fairly Extremely Satisfied Extremely Satisfied No No Somewhat Familiar Very helpful 60 to 64 Completed high school No 1 Yes Selected Not selected Not selected Selected Not selected Not selected Not selected Hispanic Good No You are certain you could NOT raise the full $2000 $15K to less than $20K Two Female Transactors Not selected Selected Refused at least one of the two questions 966 29091 1.08089 2 5 2011 South Landline RDD Qualified Revolvers - large balance Yes One Once or Twice You usually carry a balance from month to month on at least one of your cards $3000 to $3999 You usually pay the same AMOUNT each month 200 0 Yes 9 Yes Selected Not selected Not selected Not selected Not selected Not selected Yes No No Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Don't know No No No No The Same Somewhat fairly Extremely Dissatisfied Somewhat Dissatisfied No No Not Very Familiar Neither helpful nor unhelpful 35 to 44 Completed college Yes 5 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You are certain you could come up with the full $2000 $100K or more One Male Revolvers Not selected Selected Know both interest paid and APR 5600 20510 0.71738 2 5 2011 South Landline RDD Qualified Transactors Yes Two Three or Four Times You always pay your credit card balances in full on all your cards 50 Yes 13 Yes Not selected Selected Not selected Not selected Not selected Not selected Yes Yes Yes Selected Not selected Not selected Not selected Not selected Not selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected Yes Yes The Same Somewhat fairly Somewhat Dissatisfied Somewhat Satisfied No No Not Very Familiar Somewhat helpful 50 to 54 Post graduate work No 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair No You are certain you could come up with the full $2000 $100K or more One Male Transactors Selected Selected Know APR and have no balance 5607 28626 1.08089 2 5 2011 South Landline RDD Qualified Revolvers - large balance Yes Four or More More than Six Times You sometimes pay your credit card balances in full and sometimes carry a balance from month to month $5000 or more The amount and percentage of the bill that you pay each month varies from month to month 4000 80 Yes 9.9 Yes Not selected Not selected Selected Not selected Not selected Not selected Yes Yes Yes Not selected Not selected Selected Not selected Not selected Not selected Not selected Not selected Yes Yes No Selected Not selected Not selected Not selected Not selected Yes Yes Less Very unfairly Extremely Dissatisfied Extremely Dissatisfied No No Somewhat Familiar Very helpful 45 to 49 Post graduate work Yes 4 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent Yes You are certain you could come up with the full $2000 $75K to less than $100K One Male Revolvers Selected Selected Know both interest paid and APR 5623 18842 1.17905 2 5 2011 Northeast Landline RDD Unqualified No No Under 25 Completed high school No 5 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Don't know $75K to less than $100K One Male Not selected Not Selected 5610 33352 0.42254 2 5 2011 Midwest Landline RDD Qualified Revolvers - small balance Yes One You do not use any of your general purpose credit cards Yes $500 to $999 You usually pay the same AMOUNT each month 200 0 Yes 1 No No No Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes No Selected Not selected Not selected Not selected Not selected Yes No The Same Somewhat fairly Somewhat Satisfied Somewhat Satisfied No No Somewhat Familiar Neither helpful nor unhelpful 35 to 44 Completed high school Yes 5 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You could probably NOT come up with $2000 $75K to less than $100K Three or more Male Revolvers Not selected Selected Know both interest paid and APR 5638 21367 0.7266 2 5 2011 South Landline RDD Qualified Revolvers - small balance Yes Three Once or Twice You sometimes pay your credit card balances in full and sometimes carry a balance from month to month Less than $500 The amount and percentage of the bill that you pay each month varies from month to month Don't know 0 Yes 10 No Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected Yes Yes Less Very fairly Extremely Satisfied Neither Satisfied nor Dissatisfied No No Very Familiar Neither helpful nor unhelpful 65 to 69 Post graduate work No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 Refused One Female Revolvers Not selected Selected Know APR but not interest paid 1232 22311 0.35325 2 5 2011 Midwest Landline RDD Qualified Yes Two You do not use any of your general purpose credit cards Yes Don't know The amount and percentage of the bill that you pay each month varies from month to month Don't know 0 Yes 30 No No No No No Yes No Not selected Not selected Selected Not selected Not selected No No The Same Somewhat unfairly Extremely Dissatisfied Neither Satisfied nor Dissatisfied No No Not at all Familiar 60 to 64 Post graduate work Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Poor Yes You are certain you could NOT raise the full $2000 $100K or more Two Male Not selected Selected Know APR but not interest paid 2069 17075 1.2427 2 5 2011 South Landline RDD Unqualified No No 35 to 44 "Some college, not completed" Yes 5 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Poor $50K to less than $75K One Female Not selected Not Selected 5674 22635 1.29306 2 5 2011 West Landline RDD Unqualified No No Under 25 Completed high school No 5 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair $15K to less than $20K One Female Not selected Not Selected 5676 30946 0.43477 2 5 2011 West Landline RDD Qualified Transactors Yes Two More than Six Times You always pay your credit card balances in full on all your cards 0 Don't know No Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Don't know Yes Don't know Not selected Not selected Selected Not selected Not selected No No The Same Very fairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No No Not at all Familiar 45 to 49 "Some college, not completed" Yes 5 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more Three or more Female Transactors Not selected Selected Don't know APR and have no balance 1642 24811 1.55328 2 5 2011 West Landline RDD Unqualified No No 35 to 44 Completed high school Yes 5 Yes Not selected Not selected Selected Not selected Not selected Not selected Not selected Hispanic Fair $40K to less than $50K One Female Not selected Not Selected 2626 29349 0.95209 2 5 2011 Northeast Landline RDD Unqualified No No 65 to 69 Completed high school Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good $15K to less than $20K One Female Not selected Not Selected 3862 25640 1.47708 2 5 2011 South Landline RDD Unqualified No Yes You closed some accounts and other accounts were closed by the bank 25 to 34 "Some high school, not completed" No 4 Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Hispanic Poor $20K to less than $25K One Male Not selected Not Selected 5050 26164 1.13449 2 5 2011 West Landline RDD Unqualified No No 35 to 44 "Some college, not completed" Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair $15K to less than $20K One Male Not selected Not Selected 671 16895 1.19276 2 5 2011 South Landline RDD Unqualified No No 70 to 74 "Some high school, not completed" No 1 No Selected Not selected Not selected Not selected Selected Not selected Not selected Other (non-Hispanic) Good Don't know One Female Not selected Not Selected 5024 27171 0.7266 2 5 2011 South Landline RDD Qualified Transactors Yes Two Five or Six Times You always pay your credit card balances in full on all your cards 0 Don't know No No No No Yes Yes Yes Not selected Not selected Selected Not selected Not selected Yes Yes The Same Very fairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No No Not at all Familiar 70 to 74 Completed college No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 Under $15K One Female Transactors Not selected Selected Don't know APR and have no balance 2213 16803 0.9822 2 5 2011 South Landline RDD Qualified Revolvers - small balance Yes One Once or Twice You usually carry a balance from month to month on at least one of your cards Less than $500 The amount and percentage of the bill that you pay each month varies from month to month 100 0 Yes 6 No Yes Yes No Not selected Selected Not selected Not selected Not selected Not selected Not selected Not selected No Yes No Not selected Not selected Selected Not selected Not selected Yes Yes Less Somewhat fairly Neither Satisfied nor Dissatisfied Somewhat Satisfied No No Not at all Familiar 50 to 54 Completed high school Yes 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You could probably NOT come up with $2000 $50K to less than $75K One Female Revolvers Selected Selected Know both interest paid and APR 5158 21286 1.95232 2 5 2011 Northeast Landline RDD Qualified Transactors Yes Two More than Six Times You always pay your credit card balances in full on all your cards 0 Yes 0 Yes Not selected Not selected Selected Not selected Not selected Not selected Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Yes Not selected Not selected Selected Not selected Not selected No No Less Neither fairly nor unfairly Extremely Dissatisfied Somewhat Dissatisfied No No Somewhat Familiar Neither helpful nor unhelpful 35 to 44 Completed grade school or less No 1 No Not selected Not selected Not selected Selected Not selected Not selected Not selected Asian/Pacific Islander (non-Hispanic) Good No You are certain you could come up with the full $2000 $20K to less than $25K One Male Transactors Not selected Selected Know APR and have no balance 4668 22527 1.55328 2 5 2011 West Landline RDD Unqualified No No 35 to 44 Completed high school Yes 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair $30K to less than $40K One Female Not selected Not Selected 4427 28985 1.35103 2 5 2011 West Landline RDD Qualified Revolvers - large balance Yes Three You do not use any of your general purpose credit cards Yes $3000 to $3999 You usually pay the same AMOUNT each month 18 0 Yes 18 No Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected Yes Yes The Same Somewhat fairly Somewhat Dissatisfied Somewhat Satisfied No No Somewhat Familiar Neither helpful nor unhelpful 35 to 44 Completed high school Yes 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair No You could probably NOT come up with $2000 $50K to less than $75K One Male Revolvers Not selected Selected Know both interest paid and APR 5690 15876 0.66333 2 5 2011 West Landline RDD Qualified Transactors Yes Three Five or Six Times You always pay your credit card balances in full on all your cards 0 Yes 21 No No No Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Don't know Not selected Not selected Selected Not selected Not selected Yes Yes The Same Very fairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No No Not Very Familiar Neither helpful nor unhelpful 65 to 69 "Some college, not completed" Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $50K to less than $75K One Male Transactors Not selected Selected Know APR and have no balance 5704 29049 1.08889 2 5 2011 West Landline RDD Qualified Transactors Yes One More than Six Times You always pay your credit card balances in full on all your cards 0 Yes 0 No Don't know Don't know Don't know Don't know Don't know Don't know Don't know Don't know The Same Neither fairly nor unfairly Don't know Don't know No No Not Very Familiar Neither helpful nor unhelpful Refused Refused Yes 2 Refused Not selected Not selected Not selected Not selected Not selected Not selected Selected Other (non-Hispanic) Excellent No You are certain you could come up with the full $2000 Don't know One Male Transactors Not selected Selected Know APR and have no balance 5718 33155 0.79949 2 5 2011 Northeast Landline RDD Unqualified No No 70 to 74 Completed college Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good $15K to less than $20K One Female Not selected Not Selected 5711 24501 1.13449 2 5 2011 West Landline RDD Qualified Transactors Yes Four or More More than Six Times You always pay your credit card balances in full on all your cards 300 Yes 20 Yes Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Don't know Selected Selected Selected Selected Not selected Not selected Not selected Not selected Yes Yes No Not selected Selected Not selected Not selected Not selected No No The Same Somewhat unfairly Extremely Dissatisfied Neither Satisfied nor Dissatisfied No No Somewhat Familiar Neither helpful nor unhelpful 35 to 44 Completed college Yes 4 No Not selected Not selected Not selected Selected Not selected Not selected Not selected Asian/Pacific Islander (non-Hispanic) Fair No You are certain you could come up with the full $2000 $50K to less than $75K One Male Transactors Selected Selected Know APR and have no balance 5736 22149 1.0188 2 5 2011 Midwest Landline RDD Qualified Transactors Yes Two Five or Six Times You always pay your credit card balances in full on all your cards 0 Yes 14 Yes Not selected Not selected Selected Not selected Not selected Not selected Yes Yes Yes Not selected Not selected Not selected Selected Not selected Not selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected No No Less Somewhat fairly Somewhat Satisfied Somewhat Satisfied No No Somewhat Familiar Somewhat helpful 25 to 34 Post graduate work Yes 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You could probably come up with $2000 $50K to less than $75K One Female Transactors Not selected Selected Know APR and have no balance 5733 23266 1.06447 2 5 2011 Midwest Landline RDD Qualified Revolvers - large balance Yes Four or More More than Six Times You sometimes pay your credit card balances in full and sometimes carry a balance from month to month $5000 or more The amount and percentage of the bill that you pay each month varies from month to month 3500 0 Yes 19 Yes Selected Selected Not selected Not selected Not selected Not selected Yes Yes Yes Not selected Selected Not selected Selected Not selected Not selected Not selected Not selected Yes Don't know No Not selected Not selected Selected Not selected Not selected Yes Don't know More Very unfairly Extremely Dissatisfied Somewhat Dissatisfied Yes No Somewhat Familiar Somewhat helpful 35 to 44 Completed college No 4 No Not selected Not selected Not selected Not selected Not selected Selected Not selected Other (non-Hispanic) Good No You could probably come up with $2000 $100K or more One Male Revolvers Selected Selected Know both interest paid and APR 5730 33295 0.84134 2 5 2011 Midwest Landline RDD Qualified Revolvers - medium balance Yes Three Once or Twice Refused $1000 to $1999 The amount and percentage of the bill that you pay each month varies from month to month 50 0 Yes 19 Yes Not selected Selected Not selected Not selected Not selected Not selected Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Don't know Yes Don't know Not selected Not selected Selected Not selected Not selected Yes Yes The Same Neither fairly nor unfairly Somewhat Dissatisfied Neither Satisfied nor Dissatisfied No No Very Familiar Neither helpful nor unhelpful 50 to 54 Completed high school Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $50K to less than $75K One Male Revolvers Not selected Selected Know both interest paid and APR 5444 16826 0.32242 2 5 2011 Midwest Landline RDD Qualified Revolvers - large balance Yes Two Once or Twice You usually carry a balance from month to month on at least one of your cards $3000 to $3999 The amount and percentage of the bill that you pay each month varies from month to month 25 100 Yes 30 Yes Selected Not selected Not selected Not selected Not selected Not selected Yes Yes Yes Not selected Not selected Not selected Selected Not selected Not selected Not selected Not selected Yes Yes No Selected Not selected Not selected Not selected Not selected Yes Yes Refused Refused Extremely Dissatisfied Somewhat Satisfied No No Somewhat Familiar Somewhat unhelpful 50 to 54 Completed high school Yes 8 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Poor No You could probably NOT come up with $2000 $40K to less than $50K Three or more Female Revolvers Not selected Selected Know both interest paid and APR 1727 25159 1.41413 2 5 2011 West Landline RDD Unqualified No No 45 to 49 Completed college No 4 No Not selected Selected Not selected Not selected Not selected Not selected Not selected Black/African-American (non-Hispanic) Good Refused One Female Not selected Not Selected 5749 20395 1.07342 2 5 2011 Northeast Landline RDD Qualified Revolvers - small balance Yes Four or More Once or Twice You sometimes pay your credit card balances in full and sometimes carry a balance from month to month $500 to $999 The amount and percentage of the bill that you pay each month varies from month to month Don't know 60 Yes 15.9 No Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected Yes Yes Less Very fairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No No Very Familiar Neither helpful nor unhelpful 25 to 34 Completed college No 1 No Not selected Selected Not selected Not selected Not selected Not selected Not selected Black/African-American (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $75K to less than $100K One Male Revolvers Not selected Selected Know APR but not interest paid 4299 15391 0.86567 2 5 2011 West Landline RDD Qualified Transactors Yes Three Once or Twice You always pay your credit card balances in full on all your cards 0 Yes 0 No Yes Don't know Don't know Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Don't know Yes No Not selected Not selected Selected Not selected Not selected No No The Same Very fairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No No Not Very Familiar Neither helpful nor unhelpful 55 to 59 Completed college Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You could probably come up with $2000 $100K or more One Female Transactors Not selected Selected Know APR and have no balance 5486 20892 1.12161 2 5 2011 South Landline RDD Qualified Revolvers - large balance Yes One Once or Twice You usually carry a balance from month to month on at least one of your cards $4000 to $4999 You usually pay the same AMOUNT each month 1200 0 Yes 20 Yes Selected Not selected Not selected Not selected Not selected Not selected Yes No No Not selected Selected Not selected Not selected Not selected Not selected Not selected Not selected Yes Yes Don't know Not selected Selected Not selected Not selected Not selected Yes Yes The Same Very fairly Somewhat Dissatisfied Somewhat Satisfied No No Somewhat Familiar Very helpful 25 to 34 Post graduate work Yes 4 No Not selected Selected Not selected Not selected Not selected Not selected Not selected Black/African-American (non-Hispanic) Fair No You are certain you could come up with the full $2000 $75K to less than $100K One Female Revolvers Selected Selected Know both interest paid and APR 105 14830 1.08073 2 5 2011 Northeast Landline RDD Unqualified No Yes Refused 50 to 54 Completed high school Yes 2 Yes Not selected Not selected Not selected Not selected Not selected Not selected Selected Hispanic Don't know Refused One Female Not selected Not Selected 5772 16418 0.38132 2 5 2011 West Landline RDD Qualified Revolvers - small balance Yes Two Once or Twice You sometimes pay your credit card balances in full and sometimes carry a balance from month to month Less than $500 The amount and percentage of the bill that you pay each month varies from month to month Don't know 0 Yes 12.5 No Yes Yes Yes Not selected Not selected Selected Not selected Not selected Not selected Not selected Not selected Yes Yes Yes Not selected Not selected Selected Not selected Not selected Yes Yes Less Very fairly Extremely Satisfied Extremely Satisfied No No Not Very Familiar Neither helpful nor unhelpful 65 to 69 "Some college, not completed" Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $30K to less than $40K Two Female Revolvers Selected Selected Know APR but not interest paid 1768 29896 0.49504 2 5 2011 Northeast Landline RDD Qualified Revolvers - small balance Yes Four or More More than Six Times You sometimes pay your credit card balances in full and sometimes carry a balance from month to month Less than $500 The amount and percentage of the bill that you pay each month varies from month to month 80 0 Yes 14 No Don't know No Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Yes Not selected Selected Not selected Not selected Not selected Yes Yes The Same Neither fairly nor unfairly Somewhat Dissatisfied Somewhat Satisfied No No Not Very Familiar Neither helpful nor unhelpful 25 to 34 Post graduate work No 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You could probably come up with $2000 $50K to less than $75K Two Male Revolvers Not selected Selected Know both interest paid and APR 5532 26342 0.34483 2 5 2011 South Landline RDD Qualified Transactors Yes One Once or Twice You always pay your credit card balances in full on all your cards Don't know Don't know No Yes No Yes Not selected Not selected Not selected Selected Not selected Not selected Not selected Not selected Yes Yes No Not selected Selected Not selected Not selected Not selected No No Less Somewhat unfairly Extremely Dissatisfied Somewhat Dissatisfied No No Not at all Familiar 25 to 34 Completed college Yes 4 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could NOT raise the full $2000 $100K or more Three or more Female Transactors Not selected Selected Don't know APR and have no balance 455 23065 1.35556 2 5 2011 Northeast Landline RDD Qualified Transactors Yes One Three or Four Times You always pay your credit card balances in full on all your cards 0 Yes 3 No Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes No Not selected Selected Not selected Not selected Not selected Yes Yes The Same Very fairly Extremely Satisfied Neither Satisfied nor Dissatisfied No No Not Very Familiar Neither helpful nor unhelpful Under 25 Completed high school No 5 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You could probably come up with $2000 $50K to less than $75K One Female Transactors Not selected Selected Know APR and have no balance 5791 19324 0.27492 2 5 2011 South Landline RDD Qualified Revolvers - large balance Yes Two More than Six Times You sometimes pay your credit card balances in full and sometimes carry a balance from month to month $3000 to $3999 The amount and percentage of the bill that you pay each month varies from month to month 0 2500 Yes 0 No Don't know Don't know Don't know No Yes No Not selected Not selected Selected Not selected Not selected No No The Same Somewhat unfairly Extremely Dissatisfied Neither Satisfied nor Dissatisfied No No Somewhat Familiar Very unhelpful 60 to 64 Post graduate work Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more Three or more Female Revolvers Not selected Selected Know both interest paid and APR 700 27409 0.9822 2 5 2011 South Landline RDD Qualified Revolvers - large balance Yes Four or More Once or Twice You usually carry a balance from month to month on at least one of your cards $3000 to $3999 You usually pay only the MINIMUM AMOUNT due each month 19 0 Yes 19 No Yes Yes Yes Not selected Selected Not selected Not selected Not selected Not selected Not selected Not selected Yes Yes No Selected Not selected Not selected Not selected Not selected Yes Yes Less Somewhat fairly Extremely Dissatisfied Somewhat Dissatisfied No No Not at all Familiar 55 to 59 Completed high school Yes 5 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair No You could probably NOT come up with $2000 $50K to less than $75K One Female Revolvers Selected Selected Know both interest paid and APR 4810 19547 0.70649 2 5 2011 Midwest Landline RDD Qualified Transactors Yes Four or More More than Six Times You always pay your credit card balances in full on all your cards 0 Yes 0 Yes Not selected Not selected Selected Not selected Not selected Not selected Yes Yes Yes Not selected Selected Not selected Not selected Not selected Not selected Not selected Not selected Yes Yes Yes Not selected Selected Not selected Not selected Not selected Yes Yes The Same Very fairly Extremely Dissatisfied Somewhat Dissatisfied No No Very Familiar Somewhat helpful 60 to 64 Post graduate work Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $50K to less than $75K One Male Transactors Selected Selected Know APR and have no balance 767 19977 1.06447 2 5 2011 Midwest Landline RDD Qualified Yes One Once or Twice You usually carry a balance from month to month on at least one of your cards Refused The amount and percentage of the bill that you pay each month varies from month to month Refused 0 Don't know Don't know No No Yes Selected Not selected Not selected Not selected Not selected Not selected Not selected Not selected No Yes No Selected Not selected Not selected Not selected Not selected No No Less Very unfairly Extremely Dissatisfied Extremely Dissatisfied No No Somewhat Familiar Somewhat unhelpful 45 to 49 Completed college Yes 5 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 Refused One Male Selected Selected Refused at least one of the two questions 5818 30275 0.77778 2 5 2011 South Landline RDD Unqualified No Yes Other 50 to 54 Completed college Yes 4 No Not selected Selected Not selected Not selected Not selected Not selected Not selected Black/African-American (non-Hispanic) Fair $40K to less than $50K One Male Not selected Not Selected 2337 33445 1.2872 2 5 2011 South Landline RDD Unqualified No Yes You closed some accounts and other accounts were closed by the bank 35 to 44 Completed high school No 4 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Poor $30K to less than $40K One Male Not selected Not Selected 5864 27746 0.89981 2 5 2011 South Landline RDD Unqualified No Yes You decided to close the account and make purchases in other ways such as with a debit card 25 to 34 Post graduate work Yes 4 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair $50K to less than $75K One Male Not selected Not Selected 5859 16071 0.7266 2 5 2011 South Landline RDD Unqualified No Yes You decided to close the account and make purchases in other ways such as with a debit card 70 to 74 "Some college, not completed" Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent $40K to less than $50K One Female Not selected Not Selected 1579 25741 0.4173 2 5 2011 West Landline RDD Qualified Yes Four or More Three or Four Times You sometimes pay your credit card balances in full and sometimes carry a balance from month to month Don't know You usually pay only the MINIMUM AMOUNT due each month Don't know Don't know Don't know Don't know Don't know Yes Yes Selected Not selected Not selected Not selected Not selected Not selected Not selected Not selected Yes Yes Don't know Not selected Not selected Selected Not selected Not selected Yes Yes The Same Neither fairly nor unfairly Neither Satisfied nor Dissatisfied Somewhat Satisfied Don't know No Not at all Familiar 70 to 74 Completed grade school or less Yes 2 No Not selected Not selected Not selected Selected Not selected Not selected Not selected Asian/Pacific Islander (non-Hispanic) Good Yes You are certain you could NOT raise the full $2000 Don't know Three or more Female Selected Selected Know neither interest paid nor APR 5830 17496 0.71738 2 5 2011 South Landline RDD Qualified Transactors Yes One More than Six Times You always pay your credit card balances in full on all your cards 0 Yes 19.9 No No No Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected No Yes No Not selected Not selected Selected Not selected Not selected No Yes The Same Very fairly Extremely Satisfied Extremely Satisfied No No Somewhat Familiar Very unhelpful 60 to 64 Completed college No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $50K to less than $75K One Male Transactors Not selected Selected Know APR and have no balance 5826 24440 0.63199 2 5 2011 South Landline RDD Qualified Transactors Yes One More than Six Times You always pay your credit card balances in full on all your cards 0 Don't know Refused Don't know Don't know Don't know Yes No No Selected Not selected Not selected Not selected Not selected No No Less Very unfairly Extremely Dissatisfied Extremely Dissatisfied No No Not at all Familiar Refused Refused Yes 2 No Not selected Not selected Not selected Not selected Not selected Not selected Selected Other (non-Hispanic) Good No You are certain you could come up with the full $2000 Refused One Male Transactors Not selected Selected Don't know APR and have no balance 5901 19154 1.35103 2 5 2011 West Landline RDD Unqualified No No 35 to 44 Completed high school No 1 No Selected Not selected Selected Selected Not selected Not selected Not selected Other (non-Hispanic) Poor Don't know One Male Not selected Not Selected 5911 14450 0.63839 2 5 2011 South Landline RDD Unqualified No No 60 to 64 Completed grade school or less Yes 2 No Not selected Selected Not selected Not selected Not selected Not selected Not selected Black/African-American (non-Hispanic) Don't know $25K to less than $30K Two Male Not selected Not Selected 4911 25211 1.17905 2 5 2011 Northeast Landline RDD Unqualified No No Under 25 Completed high school No 5 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent $25K to less than $30K One Male Not selected Not Selected 5884 33147 0.75295 2 5 2011 West Landline RDD Qualified Transactors Yes Two More than Six Times You always pay your credit card balances in full on all your cards Don't know Yes 0 No Don't know Don't know Don't know Yes Yes Don't know Not selected Not selected Selected Not selected Not selected No No The Same Somewhat fairly Neither Satisfied nor Dissatisfied Somewhat Satisfied No No Not Very Familiar Neither helpful nor unhelpful 55 to 59 "Some college, not completed" No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You are certain you could come up with the full $2000 $30K to less than $40K One Male Transactors Not selected Selected Know APR and have no balance 5893 30626 0.25421 2 5 2011 West Landline RDD Qualified Transactors Yes Three Three or Four Times You always pay your credit card balances in full on all your cards 0 Don't know No Don't know Don't know Don't know No Yes No Selected Not selected Not selected Not selected Not selected No No The Same Very fairly Extremely Satisfied Somewhat Satisfied No No Not at all Familiar 65 to 69 "Some college, not completed" Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more Three or more Female Transactors Not selected Selected Don't know APR and have no balance 5955 24185 0.86529 2 5 2011 South Landline RDD Unqualified Yes One You do not use any of your general purpose credit cards No 75 to 84 Completed high school No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent $25K to less than $30K One Female Not selected Not Selected 5954 29044 0.49236 2 5 2011 South Landline RDD Unqualified No No Under 25 "Some high school, not completed" No 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good Under $15K Three or more Male Not selected Not Selected 6036 31632 0.41239 2 5 2011 South Landline RDD Unqualified No Yes You decided to close the account and make purchases in other ways such as with a debit card 50 to 54 Completed college No 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair $30K to less than $40K Two Female Not selected Not Selected 5951 15694 0.63199 2 5 2011 South Landline RDD Qualified Transactors Yes Four or More More than Six Times You always pay your credit card balances in full on all your cards 75 Don't know Yes Not selected Not selected Selected Not selected Not selected Not selected Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes No Selected Not selected Not selected Not selected Not selected Yes No Less Somewhat fairly Somewhat Dissatisfied Somewhat Dissatisfied No No Not Very Familiar Don't know 65 to 69 Post graduate work Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You are certain you could come up with the full $2000 $100K or more One Male Transactors Not selected Selected Don't know APR and have no balance 5961 29932 0.75262 2 5 2011 South Landline RDD Qualified Transactors Yes Two More than Six Times You always pay your credit card balances in full on all your cards 0 Don't know No Yes Yes No Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected No Yes No Not selected Not selected Selected Not selected Not selected No No The Same Very fairly Extremely Satisfied Extremely Satisfied No No Not Very Familiar Very unhelpful 75 to 84 Completed high school Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 Refused One Male Transactors Not selected Selected Don't know APR and have no balance 6029 15428 1.55328 2 5 2011 West Landline RDD Unqualified No No 35 to 44 Completed high school No 2 No Not selected Not selected Selected Not selected Selected Not selected Not selected Other (non-Hispanic) Fair Under $15K One Female Not selected Not Selected 6070 16200 1.22383 2 5 2011 Midwest Landline RDD Qualified Transactors Yes Two More than Six Times You always pay your credit card balances in full on all your cards 0 Don't know No No No Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes No No Not selected Not selected Selected Not selected Not selected Yes No The Same Very fairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No No Not at all Familiar 35 to 44 Completed college Yes 4 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You could probably come up with $2000 $75K to less than $100K One Female Transactors Not selected Selected Don't know APR and have no balance 6041 23570 0.42716 2 5 2011 South Landline RDD Qualified Transactors Yes Two Once or Twice You always pay your credit card balances in full on all your cards Don't know Yes 4.9 No No Don't know Don't know No Yes No Selected Selected Not selected Not selected Not selected Yes Yes The Same Somewhat fairly Extremely Dissatisfied Extremely Dissatisfied No No Somewhat Familiar Somewhat unhelpful 50 to 54 Completed high school Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No Refused Don't know Two Male Transactors Not selected Selected Know APR and have no balance 6035 17844 0.21066 2 5 2011 South Landline RDD Qualified Transactors Yes Two Three or Four Times You always pay your credit card balances in full on all your cards 0 Don't know No Don't know No No No Yes Yes Not selected Not selected Selected Not selected Not selected Yes Yes The Same Neither fairly nor unfairly Extremely Satisfied Extremely Satisfied No No Somewhat Familiar Somewhat helpful 65 to 69 Post graduate work Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You are certain you could come up with the full $2000 $75K to less than $100K Three or more Male Transactors Not selected Selected Don't know APR and have no balance 6112 29050 1.22383 2 5 2011 Midwest Landline RDD Unqualified Yes Two You do not use any of your general purpose credit cards No 35 to 44 Completed college Yes 4 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good $100K or more One Female Not selected Not Selected 6089 16191 0.86567 2 5 2011 West Landline RDD Qualified Transactors Yes Two More than Six Times You always pay your credit card balances in full on all your cards 0 Don't know Yes Selected Not selected Not selected Not selected Not selected Not selected Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Don't know Not selected Not selected Selected Not selected Not selected No No The Same Neither fairly nor unfairly Somewhat Dissatisfied Somewhat Satisfied No No Very Familiar Neither helpful nor unhelpful 50 to 54 Post graduate work Yes 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 Refused One Female Transactors Not selected Selected Don't know APR and have no balance 6088 16547 0.75295 2 5 2011 West Landline RDD Qualified Transactors Yes One Once or Twice You always pay your credit card balances in full on all your cards 0 Yes 18 No Yes Don't know Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Don't know Not selected Not selected Selected Not selected Not selected Yes Yes The Same Very fairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No No Not at all Familiar 55 to 59 Completed college No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $75K to less than $100K One Male Transactors Not selected Selected Know APR and have no balance 6082 20816 0.82478 2 5 2011 South Landline RDD Qualified Transactors Yes One Once or Twice You always pay your credit card balances in full on all your cards 0 Yes 15 Yes Not selected Not selected Not selected Selected Not selected Not selected Don't know No Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Yes Not selected Not selected Selected Not selected Not selected Yes Yes More Very fairly Somewhat Satisfied Neither Satisfied nor Dissatisfied No No Not at all Familiar 50 to 54 Completed college No 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You are certain you could come up with the full $2000 $40K to less than $50K One Female Transactors Not selected Selected Know APR and have no balance 6054 16068 0.69539 2 5 2011 Northeast Landline RDD Qualified Transactors Yes Two More than Six Times You always pay your credit card balances in full on all your cards 90 Don't know Yes Not selected Not selected Selected Not selected Not selected Not selected Don't know Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Don't know Not selected Selected Not selected Not selected Not selected Yes Yes The Same Neither fairly nor unfairly Somewhat Satisfied Somewhat Satisfied No No Very Familiar Neither helpful nor unhelpful 75 to 84 Post graduate work Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $50K to less than $75K One Male Transactors Not selected Selected Don't know APR and have no balance 6100 29443 0.66333 2 5 2011 West Landline RDD Qualified Transactors Yes Three More than Six Times You always pay your credit card balances in full on all your cards 0 Don't know No Don't know Refused Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Don't know Not selected Not selected Selected Not selected Not selected No No The Same Neither fairly nor unfairly Somewhat Satisfied Somewhat Satisfied No No Not Very Familiar Somewhat helpful 70 to 74 Post graduate work Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more One Male Transactors Not selected Selected Don't know APR and have no balance 6163 33635 1.02169 2 5 2011 Midwest Landline RDD Unqualified No No 75 to 84 "Some high school, not completed" No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Don't know Under $15K One Male Not selected Not Selected 6076 18664 0.85215 2 5 2011 Midwest Landline RDD Qualified Yes One Once or Twice You usually carry a balance from month to month on at least one of your cards Refused You usually pay the same AMOUNT each month 800 Don't know Yes 16.24 Yes Not selected Not selected Selected Not selected Not selected Not selected Yes Yes Yes Not selected Not selected Not selected Not selected Selected Not selected Not selected Not selected Yes Yes Yes Selected Not selected Not selected Not selected Not selected Yes No Less Very unfairly Extremely Dissatisfied Extremely Dissatisfied No No Very Familiar Refused 75 to 84 Completed high school No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could NOT raise the full $2000 Under $15K One Female Not selected Selected Know both interest paid and APR 6109 32932 1.06447 2 5 2011 Midwest Landline RDD Qualified Revolvers - small balance Yes One Once or Twice You sometimes pay your credit card balances in full and sometimes carry a balance from month to month $500 to $999 The amount and percentage of the bill that you pay each month varies from month to month 50 0 Yes 9 No Yes Yes No Selected Not selected Not selected Not selected Not selected Not selected Not selected Not selected Yes Yes Yes Not selected Not selected Selected Not selected Not selected Yes Yes The Same Very fairly Somewhat Satisfied Extremely Satisfied No No Somewhat Familiar Neither helpful nor unhelpful 35 to 44 Post graduate work Yes 5 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more One Male Revolvers Selected Selected Know both interest paid and APR 6118 28410 0.71557 2 5 2011 Midwest Landline RDD Qualified Transactors Yes One Once or Twice You always pay your credit card balances in full on all your cards 0 Yes 10 Yes Selected Not selected Not selected Not selected Not selected Not selected Yes Yes No Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes No Selected Not selected Not selected Not selected Not selected Yes Yes The Same Very fairly Somewhat Satisfied Somewhat Dissatisfied No No Somewhat Familiar Somewhat helpful 75 to 84 "Some college, not completed" No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 Refused One Female Transactors Not selected Selected Know APR and have no balance 6124 23331 0.74119 2 5 2011 Midwest Landline RDD Qualified Transactors Yes One Once or Twice You always pay your credit card balances in full on all your cards 0 Don't know No Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Don't know Don't know No Yes Don't know Less Very fairly Extremely Dissatisfied Don't know No No Not at all Familiar 65 to 69 Completed high school Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Don't know No You are certain you could come up with the full $2000 Don't know One Male Transactors Not selected Selected Don't know APR and have no balance 6117 30000 0.81225 2 5 2011 Midwest Landline RDD Qualified Yes One Once or Twice You usually carry a balance from month to month on at least one of your cards Refused The amount and percentage of the bill that you pay each month varies from month to month 200 0 Yes 12.5 No Yes Yes Yes Selected Selected Selected Selected Not selected Not selected Not selected Not selected Yes Yes No Selected Not selected Not selected Not selected Not selected Yes Yes Less Somewhat fairly Somewhat Dissatisfied Extremely Dissatisfied No No Not Very Familiar Somewhat unhelpful 50 to 54 Completed college No 1 No Selected Not selected Selected Not selected Not selected Not selected Not selected Other (non-Hispanic) Excellent No You are certain you could come up with the full $2000 Refused One Female Selected Selected Know both interest paid and APR 6138 31109 0.62239 2 5 2011 Midwest Landline RDD Qualified Transactors Yes Three Three or Four Times You always pay your credit card balances in full on all your cards 0 Don't know No Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Yes Not selected Not selected Selected Not selected Not selected Yes No The Same Somewhat fairly Somewhat Dissatisfied Somewhat Satisfied No No Not Very Familiar Very unhelpful 75 to 84 Post graduate work Yes 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $25K to less than $30K One Male Transactors Not selected Selected Don't know APR and have no balance 6214 18796 0.69539 2 5 2011 Northeast Landline RDD Unqualified No No 65 to 69 "Some college, not completed" No 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good $30K to less than $40K One Male Not selected Not Selected 6157 24016 1.06447 2 5 2011 Midwest Landline RDD Qualified Yes One Once or Twice You sometimes pay your credit card balances in full and sometimes carry a balance from month to month Refused The amount and percentage of the bill that you pay each month varies from month to month Don't know 0 Yes 8 Yes Selected Not selected Not selected Not selected Not selected Not selected Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected Yes Yes The Same Neither fairly nor unfairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No No Very Familiar Neither helpful nor unhelpful 45 to 49 Completed college Yes 5 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You are certain you could come up with the full $2000 $100K or more One Male Not selected Selected Know APR but not interest paid 6199 23167 0.69539 2 5 2011 Northeast Landline RDD Qualified Transactors Yes One Three or Four Times You always pay your credit card balances in full on all your cards 0 Yes 9.9 No Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Yes Not selected Not selected Selected Not selected Not selected Yes No The Same Very fairly Extremely Satisfied Don't know No No Somewhat Familiar Neither helpful nor unhelpful 70 to 74 Completed college Yes 2 No Not selected Not selected Not selected Not selected Not selected Selected Not selected Other (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $75K to less than $100K One Male Transactors Not selected Selected Know APR and have no balance 6182 15607 0.78934 2 5 2011 Northeast Landline RDD Qualified Transactors Yes Three Refused You always pay your credit card balances in full on all your cards 0 Yes 0 Yes Not selected Selected Not selected Not selected Not selected Not selected Yes Don't know Don't know Not selected Not selected Selected Not selected Not selected Not selected Not selected Not selected Yes Yes Yes Selected Not selected Not selected Not selected Not selected Yes Yes More Very fairly Extremely Satisfied Somewhat Satisfied No No Somewhat Familiar Somewhat helpful 55 to 59 "Some college, not completed" Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $30K to less than $40K One Male Transactors Selected Selected Know APR and have no balance 6170 28714 0.94001 2 5 2011 Northeast Landline RDD Qualified Revolvers - medium balance Yes Three More than Six Times You usually carry a balance from month to month on at least one of your cards $1000 to $1999 You usually pay the same AMOUNT each month 80 0 Yes 15 Yes Selected Selected Selected Not selected Not selected Not selected Yes Yes No Selected Selected Selected Selected Selected Not selected Not selected Not selected Yes No Yes Selected Not selected Not selected Not selected Not selected Yes No Less Somewhat fairly Extremely Dissatisfied Somewhat Dissatisfied No No Not at all Familiar 60 to 64 Completed high school Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You are certain you could come up with the full $2000 $40K to less than $50K One Male Revolvers Selected Selected Know both interest paid and APR 6265 19996 0.85431 2 5 2011 South Landline RDD Unqualified No No 60 to 64 Completed high school No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Poor Under $15K One Male Not selected Not Selected 6268 32686 1.33335 2 5 2011 Midwest Landline RDD Unqualified Yes One You do not use any of your general purpose credit cards No 50 to 54 "Some high school, not completed" Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair $50K to less than $75K One Female Not selected Not Selected 6267 17074 0.71738 2 5 2011 South Landline RDD Qualified Revolvers - medium balance Yes Two Once or Twice You usually carry a balance from month to month on at least one of your cards $1000 to $1999 The amount and percentage of the bill that you pay each month varies from month to month 386 0 Yes 4.2 Yes Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Yes Not selected Not selected Selected Not selected Not selected Not selected Not selected Not selected Yes Yes No Selected Not selected Not selected Not selected Not selected No No Less Neither fairly nor unfairly Extremely Dissatisfied Extremely Dissatisfied No No Somewhat Familiar Very unhelpful 60 to 64 Completed college No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $50K to less than $75K One Male Revolvers Selected Selected Know both interest paid and APR 6262 15589 0.86567 2 5 2011 West Landline RDD Qualified Transactors Yes Four or More More than Six Times You always pay your credit card balances in full on all your cards 0 Yes 17.9 Yes Selected Not selected Not selected Not selected Not selected Not selected Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected No Don't know The Same Very fairly Neither Satisfied nor Dissatisfied Somewhat Satisfied Yes No Somewhat Familiar Neither helpful nor unhelpful 60 to 64 Completed college No 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You could probably come up with $2000 $15K to less than $20K One Female Transactors Not selected Selected Know APR and have no balance 2486 16142 1.13829 2 5 2011 Northeast Landline RDD Qualified Yes Four or More More than Six Times You usually carry a balance from month to month on at least one of your cards Refused The amount and percentage of the bill that you pay each month varies from month to month 0 500 Yes 0 Yes Selected Selected Selected Not selected Not selected Not selected Yes No No Selected Not selected Not selected Not selected Not selected Not selected Not selected Not selected Yes Yes No Selected Not selected Not selected Not selected Not selected Yes Yes The Same Somewhat unfairly Somewhat Dissatisfied Somewhat Dissatisfied No No Very Familiar Somewhat helpful Refused Completed college Yes 4 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You are certain you could come up with the full $2000 $100K or more One Female Selected Selected Know both interest paid and APR 6298 20952 0.89421 2 5 2011 South Landline RDD Unqualified No Yes You closed some accounts and other accounts were closed by the bank 55 to 59 "Some college, not completed" Yes 3 No Not selected Selected Selected Not selected Not selected Not selected Not selected Other (non-Hispanic) Good $75K to less than $100K One Female Not selected Not Selected 6276 24764 0.78934 2 5 2011 Northeast Landline RDD Qualified Transactors Yes Four or More More than Six Times You always pay your credit card balances in full on all your cards 0 Yes 0 Yes Not selected Not selected Not selected Selected Not selected Not selected Yes Yes No Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Don't know No Not selected Not selected Selected Not selected Not selected No No Less Neither fairly nor unfairly Somewhat Dissatisfied Somewhat Dissatisfied No Yes 1 Other Other Somewhat Familiar Neither helpful nor unhelpful 50 to 54 Post graduate work Yes 4 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more One Male Transactors Not selected Selected Know APR and have no balance 6290 20767 1.02169 2 5 2011 Midwest Landline RDD Qualified Revolvers - large balance Yes Four or More More than Six Times You usually carry a balance from month to month on at least one of your cards $5000 or more The amount and percentage of the bill that you pay each month varies from month to month 9999 0 Yes 27 No Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Yes Not selected Not selected Selected Not selected Not selected Yes Yes More Very unfairly Extremely Dissatisfied Extremely Dissatisfied No No Very Familiar Very unhelpful 75 to 84 Completed grade school or less No 11 No Selected Not selected Not selected Selected Not selected Not selected Not selected Other (non-Hispanic) Excellent No You are certain you could NOT raise the full $2000 Under $15K One Male Revolvers Not selected Selected Know both interest paid and APR 6300 32012 1.0188 2 5 2011 Midwest Landline RDD Qualified Revolvers - small balance Yes One Five or Six Times You sometimes pay your credit card balances in full and sometimes carry a balance from month to month Less than $500 You usually pay only the MINIMUM AMOUNT due each month Don't know Don't know Yes 4 No Don't know Don't know Don't know No Yes No Not selected Not selected Selected Not selected Not selected No No More Very fairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No No Not at all Familiar Under 25 "Some college, not completed" No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You could probably NOT come up with $2000 Under $15K Don't know Female Revolvers Not selected Selected Know APR but not interest paid 1116 17236 1.03451 2 5 2011 South Landline RDD Qualified Revolvers - small balance Yes Refused Refused Refused Less than $500 Don't know 0 0 Don't know Yes Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Yes Not selected Not selected Selected Selected Not selected Not selected Not selected Not selected No Don't know Don't know No No Less Very unfairly Extremely Dissatisfied Don't know No No Somewhat Familiar Neither helpful nor unhelpful Refused Post graduate work Yes 3 Don't know Not selected Not selected Not selected Not selected Not selected Not selected Selected Other (non-Hispanic) Excellent No You are certain you could come up with the full $2000 Refused Don't know Female Revolvers Selected Selected Know interest paid but not APR 4902 24635 1.06447 2 5 2011 Midwest Landline RDD Unqualified No No 35 to 44 "Some college, not completed" No 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair $25K to less than $30K One Male Not selected Not Selected 6320 15888 0.74119 2 5 2011 Midwest Landline RDD Qualified Transactors Yes Two Once or Twice You always pay your credit card balances in full on all your cards 0 Yes 15 Yes Not selected Not selected Selected Not selected Not selected Not selected Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Yes Not selected Not selected Selected Not selected Not selected No Yes The Same Very fairly Somewhat Satisfied Somewhat Satisfied No No Somewhat Familiar Somewhat helpful 75 to 84 Completed high school Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $40K to less than $50K One Male Transactors Not selected Selected Know APR and have no balance 3953 20095 1.13449 2 5 2011 West Landline RDD Unqualified No No 45 to 49 Completed college Yes 4 Yes Selected Not selected Not selected Not selected Not selected Not selected Not selected Hispanic Fair $20K to less than $25K One Male Not selected Not Selected 6321 21813 0.66333 2 5 2011 West Landline RDD Unqualified Don't know No 75 to 84 Refused Yes 4 Don't know Not selected Not selected Not selected Selected Selected Not selected Not selected Asian/Pacific Islander (non-Hispanic) Don't know Don't know Refused Male Not selected Not Selected 3966 15055 1.30432 2 5 2011 West Landline RDD Unqualified No Yes Other 45 to 49 Completed college Yes 2 No Selected Not selected Selected Not selected Not selected Not selected Not selected Other (non-Hispanic) Poor $40K to less than $50K One Female Not selected Not Selected 6341 22386 1.11769 2 5 2011 West Landline RDD Unqualified No Yes You decided to close the account and make purchases in other ways such as with a debit card 55 to 59 Completed high school No 2 No Not selected Selected Not selected Not selected Not selected Not selected Not selected Black/African-American (non-Hispanic) Fair $15K to less than $20K One Female Not selected Not Selected 2207 18103 0.9822 2 5 2011 South Landline RDD Qualified Transactors Yes Two More than Six Times You always pay your credit card balances in full on all your cards 0 Yes 23 No Don't know Don't know Don't know Yes Yes Don't know Not selected Not selected Selected Not selected Not selected Don't know Don't know The Same Somewhat fairly Somewhat Dissatisfied Somewhat Satisfied No No Not Very Familiar Somewhat helpful 60 to 64 Completed high school Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 Don't know One Female Transactors Not selected Selected Know APR and have no balance 6345 22156 1.41632 2 5 2011 Northeast Landline RDD Qualified Transactors Yes One Five or Six Times You always pay your credit card balances in full on all your cards 0 Yes 0 No Don't know Don't know Don't know Yes Yes No Not selected Not selected Selected Not selected Not selected Don't know Don't know Don't know Very fairly Don't know Extremely Satisfied Don't know No Not at all Familiar Refused Completed high school Yes 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more Don't know Male Transactors Not selected Selected Know APR and have no balance 4663 21228 1.13449 2 5 2011 West Landline RDD Qualified Yes One Once or Twice You sometimes pay your credit card balances in full and sometimes carry a balance from month to month Refused The amount and percentage of the bill that you pay each month varies from month to month Don't know 25 Don't know Yes Not selected Not selected Not selected Selected Not selected Not selected Yes No No Selected Not selected Not selected Not selected Not selected Not selected Not selected Not selected No No No No No Less Somewhat unfairly Extremely Dissatisfied Neither Satisfied nor Dissatisfied No No Not at all Familiar 45 to 49 Completed college Yes 4 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more One Male Selected Selected Know neither interest paid nor APR 6357 18280 1.23197 2 5 2011 South Landline RDD Unqualified No No Under 25 Completed high school No 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair $15K to less than $20K One Female Not selected Not Selected 6347 14481 1.36736 2 5 2011 Northeast Landline RDD Qualified Transactors Yes Four or More More than Six Times You always pay your credit card balances in full on all your cards 20 Yes 18 No Yes Don't know Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Don't know Don't know Not selected Not selected Selected Not selected Not selected Don't know No The Same Very fairly Somewhat Satisfied Neither Satisfied nor Dissatisfied No Yes 1 You saw an advertisement on TV or in a newspaper or magazine You shopped around and compared several different cards before selecting the card(s) for which you applied Very difficult 1 - Not at all important 3 5 - Extremely Important 5 - Extremely Important 3 1 - Not at all important The bonus you could earn by applying or by making a few purchases Somewhat Familiar Somewhat helpful 35 to 44 Post graduate work Yes 4 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more One Female Transactors Not selected Selected Know APR and have no balance 6354 15374 0.63199 2 5 2011 South Landline RDD Qualified Transactors Yes Two More than Six Times You always pay your credit card balances in full on all your cards 5 Yes 12 No Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Yes Not selected Selected Not selected Not selected Not selected Yes Yes The Same Very fairly Extremely Satisfied Somewhat Dissatisfied No No Somewhat Familiar Somewhat helpful 70 to 74 Post graduate work Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You are certain you could come up with the full $2000 $100K or more One Male Transactors Not selected Selected Know APR and have no balance 6359 29731 0.70649 2 5 2011 Midwest Landline RDD Qualified Transactors Yes One More than Six Times You always pay your credit card balances in full on all your cards 0 Don't know No Don't know Don't know Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Don't know Yes No Not selected Not selected Selected Not selected Not selected No No The Same Refused Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No No Not at all Familiar 55 to 59 Post graduate work No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Don't know No You are certain you could come up with the full $2000 Refused One Male Transactors Not selected Selected Don't know APR and have no balance 6367 18181 1.30432 2 5 2011 West Landline RDD Qualified Revolvers - large balance Yes Two Once or Twice You usually carry a balance from month to month on at least one of your cards $5000 or more The amount and percentage of the bill that you pay each month varies from month to month Don't know 150 Don't know No No No Yes Not selected Selected Not selected Not selected Not selected Not selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected No No The Same Somewhat fairly Extremely Dissatisfied Extremely Dissatisfied No No Not at all Familiar 45 to 49 "Some college, not completed" Yes 4 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could NOT raise the full $2000 $30K to less than $40K One Female Revolvers Selected Selected Know neither interest paid nor APR 6393 17561 0.41239 2 5 2011 South Landline RDD Qualified Transactors Yes One More than Six Times You always pay your credit card balances in full on all your cards 0 Yes 0 Yes Not selected Not selected Selected Not selected Not selected Not selected Yes Don't know Yes Selected Not selected Not selected Selected Not selected Not selected Not selected Not selected Yes No No Selected Selected Not selected Not selected Not selected No No The Same Somewhat fairly Somewhat Satisfied Neither Satisfied nor Dissatisfied No Yes 1 You received something in the mail or via e-mail about the card(s) You shopped around and compared several different cards before selecting the card(s) for which you applied Somewhat difficult 4 5 - Extremely Important 5 - Extremely Important 5 - Extremely Important 3 3 The permanent interest rate after the end of the introductory period Not Very Familiar Neither helpful nor unhelpful 60 to 64 "Some college, not completed" Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more Two Female Transactors Selected Selected Know APR and have no balance 6403 20974 1.13449 2 5 2011 West Landline RDD Qualified Transactors Yes Two Once or Twice You always pay your credit card balances in full on all your cards 20 Don't know No Yes No Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Don't know Not selected Not selected Selected Not selected Not selected Yes No Less Somewhat fairly Neither Satisfied nor Dissatisfied Somewhat Satisfied No No Somewhat Familiar Neither helpful nor unhelpful 35 to 44 Post graduate work Yes 4 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You are certain you could come up with the full $2000 $50K to less than $75K One Male Transactors Not selected Selected Don't know APR and have no balance 6399 14283 0.3274 2 5 2011 South Landline RDD Qualified Transactors Yes Two Once or Twice You always pay your credit card balances in full on all your cards 0 Don't know No Yes Yes Yes Selected Selected Selected Selected Not selected Not selected Not selected Not selected Yes Yes No Selected Not selected Not selected Not selected Not selected Yes Yes Less Very fairly Somewhat Dissatisfied Somewhat Satisfied No No Not Very Familiar Somewhat helpful 55 to 59 Completed high school No 2 Yes Not selected Not selected Selected Not selected Not selected Not selected Not selected Hispanic Good No You are certain you could come up with the full $2000 $50K to less than $75K Three or more Female Transactors Selected Selected Don't know APR and have no balance 2289 31272 0.7266 2 5 2011 South Landline RDD Qualified Revolvers - medium balance Yes One You do not use any of your general purpose credit cards Yes $1000 to $1999 The amount and percentage of the bill that you pay each month varies from month to month Don't know 0 Yes 10 No Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Don't know Not selected Not selected Selected Not selected Not selected Yes Don't know The Same Very fairly Extremely Satisfied Neither Satisfied nor Dissatisfied No No Not at all Familiar 65 to 69 Completed college No 6 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You are certain you could come up with the full $2000 $30K to less than $40K One Female Revolvers Not selected Selected Know APR but not interest paid 6401 22953 0.71738 2 5 2011 South Landline RDD Qualified Revolvers - medium balance Yes Two More than Six Times You sometimes pay your credit card balances in full and sometimes carry a balance from month to month $1000 to $1999 The amount and percentage of the bill that you pay each month varies from month to month 0 80 Yes 0 No Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes No No Not selected Not selected Selected Not selected Not selected Yes Yes The Same Very fairly Somewhat Satisfied Somewhat Satisfied Yes Yes 1 You received something in the mail or via e-mail about the card(s) You shopped around and compared several different cards before selecting the card(s) for which you applied Very easy 5 - Extremely important 5 - Extremely Important 5 - Extremely Important 4 5 - Extremely Important 4 The permanent interest rate after the end of the introductory period Very Familiar Very helpful 60 to 64 Post graduate work Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more One Male Revolvers Not selected Selected Know both interest paid and APR 2466 19374 0.78934 2 5 2011 Northeast Landline RDD Qualified Transactors Yes Three More than Six Times You always pay your credit card balances in full on all your cards 0 Yes 18 Yes Not selected Selected Not selected Not selected Not selected Not selected No Don't know Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Don't know Not selected Not selected Selected Not selected Not selected No Yes More Very fairly Neither Satisfied nor Dissatisfied Somewhat Satisfied No No Somewhat Familiar Somewhat helpful 50 to 54 Post graduate work Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more One Male Transactors Not selected Selected Know APR and have no balance 6418 15995 0.97556 2 5 2011 South Landline RDD Unqualified No No Under 25 "Some college, not completed" No 4 No Not selected Selected Not selected Not selected Not selected Not selected Not selected Black/African-American (non-Hispanic) Excellent $100K or more One Male Not selected Not Selected 6408 16080 0.86567 2 5 2011 West Landline RDD Qualified Revolvers - large balance Yes Two Once or Twice Other $5000 or more You usually pay the same AMOUNT each month 50 0 Yes 16 Yes Selected Not selected Not selected Not selected Not selected Not selected Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes No No Not selected Not selected Selected Not selected Not selected No Yes The Same Neither fairly nor unfairly Somewhat Satisfied Neither Satisfied nor Dissatisfied No No Somewhat Familiar Neither helpful nor unhelpful 50 to 54 Completed college Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You are certain you could come up with the full $2000 $100K or more One Female Revolvers Not selected Selected Know both interest paid and APR 6416 18348 0.75262 2 5 2011 South Landline RDD Qualified Yes One Once or Twice You usually carry a balance from month to month on at least one of your cards Refused The amount and percentage of the bill that you pay each month varies from month to month Refused Refused Refused No No No Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Don't know Yes Yes Not selected Not selected Selected Not selected Not selected Yes Yes Less Somewhat fairly Somewhat Satisfied Neither Satisfied nor Dissatisfied No No Somewhat Familiar Very helpful 65 to 69 Completed high school Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You are certain you could come up with the full $2000 Refused One Male Not selected Selected Refused at least one of the two questions 6426 28100 0.316 2 5 2011 South Landline RDD Unqualified No No 65 to 69 "Some college, not completed" Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent $40K to less than $50K Two Male Not selected Not Selected 2317 17935 0.36331 2 6 2011 South Landline RDD Qualified Transactors Yes One Three or Four Times You always pay your credit card balances in full on all your cards 0 Yes 0 No No No No No Yes No Not selected Not selected Selected Not selected Not selected No No The Same Very fairly Extremely Satisfied Extremely Satisfied No No Not Very Familiar Somewhat helpful 75 to 84 Completed college Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $30K to less than $40K Two Female Transactors Not selected Selected Know APR and have no balance 6446 25217 0.78777 2 6 2011 South Landline RDD Unqualified No No 65 to 69 "Some college, not completed" Yes 4 No Not selected Selected Selected Not selected Selected Not selected Not selected Other (non-Hispanic) Excellent $75K to less than $100K One Female Not selected Not Selected 5318 28901 0.71738 2 6 2011 South Landline RDD Qualified Revolvers - large balance Yes One Once or Twice You usually carry a balance from month to month on at least one of your cards $5000 or more The amount and percentage of the bill that you pay each month varies from month to month Don't know 15 Yes 15 Yes Not selected Not selected Not selected Selected Not selected Not selected Don't know Don't know Don't know Yes Yes Don't know Selected Not selected Not selected Not selected Not selected No Don't know The Same Very fairly Extremely Dissatisfied Somewhat Dissatisfied No Yes 1 Other Other Not at all Familiar 55 to 59 "Some college, not completed" No 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You could probably come up with $2000 $40K to less than $50K One Male Revolvers Not selected Selected Know APR but not interest paid 2106 28845 0.9822 2 6 2011 South Landline RDD Unqualified No No 55 to 59 Completed high school No 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair $15K to less than $20K One Female Not selected Not Selected 5880 28062 1.2872 2 6 2011 South Landline RDD Unqualified No No 45 to 49 Completed high school Yes 6 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Poor $15K to less than $20K One Male Not selected Not Selected 5933 27751 0.82478 2 6 2011 South Landline RDD Unqualified No No 50 to 54 Completed college Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good $75K to less than $100K One Female Not selected Not Selected 566 14186 0.7266 2 6 2011 South Landline RDD Qualified Transactors Yes One More than Six Times You always pay your credit card balances in full on all your cards 0 Yes 0 No Don't know No No Yes Yes No Not selected Not selected Selected Not selected Not selected No Don't know More Very fairly Extremely Satisfied Neither Satisfied nor Dissatisfied No No Not Very Familiar Neither helpful nor unhelpful 70 to 74 Post graduate work Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more One Female Transactors Not selected Selected Know APR and have no balance 6465 20731 0.62136 2 6 2011 South Landline RDD Unqualified No Yes You decided to close the account and make purchases in other ways such as with a debit card 35 to 44 Post graduate work No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good $75K to less than $100K Two Female Not selected Not Selected 3097 22786 0.35869 2 6 2011 South Landline RDD Qualified Revolvers - large balance Yes Two Once or Twice You usually carry a balance from month to month on at least one of your cards $5000 or more You usually pay the same AMOUNT each month Don't know Refused Yes 19 No Yes No No Selected Not selected Not selected Not selected Not selected Not selected Not selected Not selected No Yes No Selected Not selected Not selected Not selected Not selected Yes Yes Refused Somewhat fairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied Yes Yes 1 Someone at your bank told you about it Other Not at all Familiar 60 to 64 "Some college, not completed" Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You are certain you could NOT raise the full $2000 $50K to less than $75K Two Male Revolvers Selected Selected Know APR but not interest paid 6271 15838 0.63199 2 6 2011 South Landline RDD Qualified Transactors Yes Three More than Six Times You always pay your credit card balances in full on all your cards 0 Don't know No No No No Yes Yes No Not selected Not selected Selected Not selected Not selected No No The Same Neither fairly nor unfairly Extremely Dissatisfied Neither Satisfied nor Dissatisfied No No Not Very Familiar Neither helpful nor unhelpful 75 to 84 Post graduate work Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more One Male Transactors Not selected Selected Don't know APR and have no balance 5941 18554 1.03451 2 6 2011 South Landline RDD Qualified Revolvers - large balance Yes Four or More More than Six Times You usually carry a balance from month to month on at least one of your cards $5000 or more You usually pay the same AMOUNT each month Don't know Don't know Yes 7 No Yes No Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes No No Not selected Selected Not selected Not selected Not selected Yes Yes More Somewhat unfairly Extremely Dissatisfied Somewhat Dissatisfied No No Somewhat Familiar Very helpful 25 to 34 Completed college Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You are certain you could come up with the full $2000 $20K to less than $25K One Female Revolvers Not selected Selected Know APR but not interest paid 5987 31024 0.63199 2 6 2011 South Landline RDD Qualified Revolvers - small balance Yes Refused More than Six Times You sometimes pay your credit card balances in full and sometimes carry a balance from month to month $500 to $999 You usually pay the same AMOUNT each month 300 0 Yes 12 No Yes Yes Yes Selected Not selected Not selected Not selected Not selected Not selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected No Don't know The Same Very fairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No No Not Very Familiar Refused 75 to 84 Post graduate work Yes 4 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $20K to less than $25K One Male Revolvers Selected Selected Know both interest paid and APR 82 29042 0.3025 2 6 2011 Northeast Landline RDD Unqualified No No 50 to 54 "Some college, not completed" Yes 5 Yes Selected Not selected Not selected Selected Selected Not selected Not selected Hispanic Good $50K to less than $75K Three or more Female Not selected Not Selected 6466 21895 0.59638 2 6 2011 South Landline RDD Qualified Revolvers - medium balance Yes Two You do not use any of your general purpose credit cards Yes $1000 to $1999 You usually pay only the MINIMUM AMOUNT due each month Don't know 35 Don't know No Yes Yes Yes Selected Not selected Selected Selected Not selected Not selected Not selected Not selected Yes Yes No Not selected Selected Not selected Not selected Not selected No No The Same Somewhat fairly Somewhat Satisfied Somewhat Satisfied No No Somewhat Familiar Somewhat helpful 65 to 69 "Some high school, not completed" No 2 Yes Selected Not selected Not selected Not selected Not selected Not selected Not selected Hispanic Fair Yes You are certain you could NOT raise the full $2000 $15K to less than $20K Two Female Revolvers Selected Selected Know neither interest paid nor APR 3697 19962 0.89981 2 6 2011 South Landline RDD Unqualified No Yes You decided to close the account and make purchases in other ways such as with a debit card 25 to 34 Post graduate work No 6 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Poor $15K to less than $20K One Male Not selected Not Selected 3814 22509 0.70649 2 6 2011 Midwest Landline RDD Qualified Revolvers - small balance Yes One More than Six Times You sometimes pay your credit card balances in full and sometimes carry a balance from month to month $500 to $999 The amount and percentage of the bill that you pay each month varies from month to month 0 40 Yes 12 No Yes No Yes Not selected Selected Not selected Selected Not selected Not selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected Yes No Less Neither fairly nor unfairly Extremely Dissatisfied Extremely Dissatisfied No No Somewhat Familiar Neither helpful nor unhelpful 60 to 64 "Some college, not completed" Yes 2 Yes Selected Not selected Not selected Not selected Not selected Not selected Not selected Hispanic Fair No You are certain you could come up with the full $2000 $75K to less than $100K One Male Revolvers Selected Selected Know both interest paid and APR 1980 19766 1.69821 2 6 2011 South Landline RDD Unqualified No No Under 25 "Some high school, not completed" No 6 No Selected Not selected Selected Not selected Not selected Not selected Not selected Other (non-Hispanic) Poor Under $15K One Female Not selected Not Selected 6473 21633 0.89421 2 6 2011 South Landline RDD Qualified Transactors Yes Three More than Six Times You always pay your credit card balances in full on all your cards 85 Yes 18.99 No Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected Yes Yes The Same Very fairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No Yes 1 You received something in the mail or via e-mail about the card(s) "You applied for card/cards that read/heard about and seemed attractive, but did not do a lot of comparative shopping" 5 - Extremely important 5 - Extremely Important 5 - Extremely Important 5 - Extremely Important 5 - Extremely Important 5 - Extremely Important The permanent interest rate after the end of the introductory period Somewhat Familiar Somewhat helpful 50 to 54 Completed college No 1 No Selected Selected Not selected Not selected Not selected Not selected Not selected Other (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more One Female Transactors Not selected Selected Know APR and have no balance 5795 24383 0.86529 2 6 2011 South Landline RDD Qualified Transactors Yes One Once or Twice You always pay your credit card balances in full on all your cards 0 Yes 15 Yes Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected Yes Yes The Same Very fairly Neither Satisfied nor Dissatisfied Somewhat Satisfied No No Not Very Familiar Neither helpful nor unhelpful 70 to 74 Completed high school No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 Refused One Female Transactors Not selected Selected Know APR and have no balance 2964 29779 0.85431 2 6 2011 South Landline RDD Qualified Yes Four or More More than Six Times You usually carry a balance from month to month on at least one of your cards Refused The amount and percentage of the bill that you pay each month varies from month to month 1000 0 Yes 9.99 Yes Selected Not selected Not selected Not selected Not selected Not selected Yes Yes Don't know Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected No Yes No Not selected Not selected Selected Not selected Not selected Yes Yes Less Neither fairly nor unfairly Extremely Dissatisfied Somewhat Dissatisfied No No Not Very Familiar Somewhat helpful 60 to 64 Completed high school Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You could probably come up with $2000 $50K to less than $75K One Male Not selected Selected Know both interest paid and APR 3136 28575 1.39557 2 6 2011 South Landline RDD Unqualified No No 35 to 44 Completed high school Yes 1 No Not selected Selected Not selected Not selected Not selected Not selected Not selected Black/African-American (non-Hispanic) Good $25K to less than $30K One Male Not selected Not Selected 6486 33428 1.60143 2 6 2011 South Landline RDD Unqualified No No Under 25 "Some high school, not completed" No 5 No Not selected Selected Not selected Not selected Not selected Not selected Not selected Black/African-American (non-Hispanic) Fair Under $15K One Male Not selected Not Selected 1886 29795 0.63199 2 6 2011 South Landline RDD Qualified Transactors Yes Four or More More than Six Times You always pay your credit card balances in full on all your cards 450 Don't know Yes Not selected Selected Selected Not selected Not selected Not selected Don't know No Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected No No The Same Very fairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied Yes No Somewhat Familiar Somewhat unhelpful 65 to 69 Post graduate work Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 Refused One Male Transactors Not selected Selected Don't know APR and have no balance 6514 19775 0.90751 2 6 2011 Northeast Landline RDD Qualified Transactors Yes Two Once or Twice You always pay your credit card balances in full on all your cards 0 Yes 16 Yes Selected Not selected Not selected Not selected Not selected Not selected Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes No No Not selected Not selected Selected Not selected Not selected Yes Yes The Same Somewhat fairly Neither Satisfied nor Dissatisfied Extremely Satisfied No No Not at all Familiar 50 to 54 "Some college, not completed" No 1 No Not selected Not selected Selected Not selected Not selected Not selected Not selected American Indian or Alaska Native (non-Hispanic) Good No You are certain you could come up with the full $2000 Refused One Female Transactors Not selected Selected Know APR and have no balance 3103 29189 1.08089 2 6 2011 South Landline RDD Qualified Transactors Yes Two More than Six Times You always pay your credit card balances in full on all your cards 0 Yes 12 Yes Not selected Not selected Not selected Selected Not selected Not selected Don't know No Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Don't know Not selected Not selected Selected Not selected Not selected Yes Yes More Neither fairly nor unfairly Neither Satisfied nor Dissatisfied Somewhat Satisfied No No Somewhat Familiar Neither helpful nor unhelpful 35 to 44 Post graduate work Yes 4 No Not selected Not selected Not selected Selected Not selected Not selected Not selected Asian/Pacific Islander (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more One Male Transactors Not selected Selected Know APR and have no balance 6526 27529 0.58952 2 6 2011 Northeast Landline RDD Unqualified No Yes You decided to close the account and make purchases in other ways such as with a debit card Under 25 Completed high school Yes 4 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Poor $20K to less than $25K Two Male Not selected Not Selected 6501 15245 0.90751 2 6 2011 Northeast Landline RDD Qualified Transactors Yes One Five or Six Times You always pay your credit card balances in full on all your cards 0 Yes 16 No Don't know Don't know Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Don't know Yes No Not selected Not selected Selected Not selected Not selected Yes Yes More Somewhat unfairly Extremely Dissatisfied Neither Satisfied nor Dissatisfied No No Somewhat Familiar Somewhat helpful 60 to 64 Completed college Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You could probably come up with $2000 $50K to less than $75K One Female Transactors Not selected Selected Know APR and have no balance 6528 33303 1.28944 2 6 2011 Northeast Landline RDD Unqualified No Yes You decided to close the account and make purchases in other ways such as with a debit card 35 to 44 "Some college, not completed" Yes 3 No Not selected Selected Not selected Not selected Not selected Not selected Not selected Black/African-American (non-Hispanic) Good $75K to less than $100K One Male Not selected Not Selected 6535 22127 0.99007 2 6 2011 Northeast Landline RDD Unqualified No Yes You decided to close the account and make purchases in other ways such as with a debit card 25 to 34 Post graduate work No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good $100K or more One Male Not selected Not Selected 6536 27533 1.13829 2 6 2011 Northeast Landline RDD Unqualified No Yes Other 25 to 34 "Some college, not completed" No 5 Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Hispanic Poor $15K to less than $20K One Female Not selected Not Selected 6533 27507 0.94001 2 6 2011 Northeast Landline RDD Qualified Transactors Yes Two More than Six Times You always pay your credit card balances in full on all your cards 0 Don't know No Yes No Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected No Yes No Not selected Not selected Selected Not selected Not selected No Yes The Same Neither fairly nor unfairly Somewhat Satisfied Neither Satisfied nor Dissatisfied No No Somewhat Familiar Neither helpful nor unhelpful 50 to 54 Completed high school Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You are certain you could come up with the full $2000 $100K or more One Male Transactors Not selected Selected Don't know APR and have no balance 2769 20921 0.47 2 6 2011 Northeast Landline RDD Unqualified No No 50 to 54 Completed high school No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent $30K to less than $40K Two Male Not selected Not Selected 2480 22799 1.3124 2 6 2011 Northeast Landline RDD Unqualified No No 75 to 84 "Some high school, not completed" Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent Under $15K One Female Not selected Not Selected 6494 32384 0.8558 2 6 2011 Northeast Landline RDD Qualified Transactors Yes Three Once or Twice You always pay your credit card balances in full on all your cards 0 Yes 20 Yes Not selected Selected Not selected Not selected Not selected Not selected Yes Don't know Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes No No Not selected Not selected Selected Not selected Not selected No Yes Less Very fairly Neither Satisfied nor Dissatisfied Somewhat Dissatisfied No Yes 1 You received something in the mail or via e-mail about the card(s) "You applied for card/cards that read/heard about and seemed attractive, but did not do a lot of comparative shopping" 1 - Not at all important 5 - Extremely Important 1 - Not at all important 1 - Not at all important 5 - Extremely Important 5 - Extremely Important The fees charged on the card Not Very Familiar Somewhat helpful 60 to 64 Post graduate work Yes 3 No Not selected Selected Not selected Not selected Not selected Not selected Not selected Black/African-American (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more One Male Transactors Not selected Selected Know APR and have no balance 6242 18717 0.95209 2 6 2011 Northeast Landline RDD Unqualified No No 75 to 84 Completed high school No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good Under $15K One Female Not selected Not Selected 5011 31034 0.75262 2 6 2011 South Landline RDD Unqualified No No 85 or older Completed high school No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Don't know $15K to less than $20K One Male Not selected Not Selected 6585 15903 0.36029 2 6 2011 South Landline RDD Unqualified No Yes You decided to close the account and make purchases in other ways such as with a debit card 35 to 44 Post graduate work Yes 9 No Selected Not selected Selected Not selected Not selected Not selected Not selected Other (non-Hispanic) Excellent Refused Three or more Male Not selected Not Selected 682 33112 0.33002 2 6 2011 Northeast Landline RDD Qualified Transactors Yes One Five or Six Times You always pay your credit card balances in full on all your cards 0 Yes 24.24 Yes Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Don't know Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes No No Not selected Not selected Selected Not selected Not selected Yes Yes The Same Very fairly Somewhat Satisfied Extremely Dissatisfied No No Somewhat Familiar Very helpful 25 to 34 Completed college No 1 Yes Selected Not selected Not selected Not selected Not selected Not selected Not selected Hispanic Good No You could probably come up with $2000 $50K to less than $75K Three or more Male Transactors Not selected Selected Know APR and have no balance 6084 24583 0.63199 2 6 2011 South Landline RDD Qualified Transactors Yes Two More than Six Times You always pay your credit card balances in full on all your cards 50 Refused No Refused No Yes Not selected Not selected Not selected Not selected Not selected Not selected Not selected Selected No Yes No Not selected Not selected Selected Not selected Not selected No Yes Less Very fairly Refused Somewhat Satisfied No No Somewhat Familiar Somewhat helpful 65 to 69 "Some college, not completed" Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You could probably come up with $2000 Refused One Male Transactors Not selected Selected Refused at least one of the two questions 6563 26973 0.36331 2 6 2011 South Landline RDD Qualified Revolvers - large balance Yes Four or More More than Six Times Other $5000 or more The amount and percentage of the bill that you pay each month varies from month to month 250 0 Yes 9.9 Yes Not selected Selected Not selected Not selected Not selected Not selected Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected Yes Yes Less Neither fairly nor unfairly Neither Satisfied nor Dissatisfied Somewhat Satisfied No No Somewhat Familiar Neither helpful nor unhelpful 65 to 69 "Some college, not completed" Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more Two Female Revolvers Not selected Selected Know both interest paid and APR 6568 16662 0.9822 2 6 2011 South Landline RDD Qualified Revolvers - large balance Yes Two You do not use any of your general purpose credit cards Yes $3000 to $3999 The amount and percentage of the bill that you pay each month varies from month to month 400 0 Yes 9.99 No Yes Yes Yes Selected Not selected Not selected Not selected Not selected Not selected Not selected Not selected Yes No No Not selected Not selected Selected Not selected Not selected Yes Yes Less Very fairly Extremely Satisfied Neither Satisfied nor Dissatisfied No No Somewhat Familiar Somewhat helpful 60 to 64 Completed high school Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You could probably come up with $2000 $40K to less than $50K One Female Revolvers Selected Selected Know both interest paid and APR 3044 32067 0.2318 2 6 2011 Northeast Landline RDD Qualified Transactors Yes Two Three or Four Times You always pay your credit card balances in full on all your cards 0 Don't know No Yes No Don't know Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Don't know Don't know Don't know Don't know Yes Less Very fairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No No Somewhat Familiar Somewhat helpful 75 to 84 Post graduate work No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $50K to less than $75K Three or more Male Transactors Not selected Selected Don't know APR and have no balance 935 15295 1.17189 2 6 2011 South Landline RDD Qualified Transactors Yes One Once or Twice You always pay your credit card balances in full on all your cards 0 Yes 6.7 No Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected Yes Yes Less Neither fairly nor unfairly Somewhat Dissatisfied Neither Satisfied nor Dissatisfied No No Not at all Familiar 35 to 44 Completed college No 2 No Not selected Selected Not selected Not selected Not selected Not selected Not selected Black/African-American (non-Hispanic) Good No You could probably NOT come up with $2000 Refused One Male Transactors Not selected Selected Know APR and have no balance 3837 15540 1.17762 2 6 2011 South Landline RDD Unqualified No Yes You decided to close the account and make purchases in other ways such as with a debit card 55 to 59 Completed grade school or less No 1 Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Hispanic Excellent $40K to less than $50K One Male Not selected Not Selected 2679 33411 0.7266 2 6 2011 South Landline RDD Unqualified No Yes You decided to close the account and make purchases in other ways such as with a debit card 85 or older Post graduate work No 1 No Selected Not selected Selected Not selected Not selected Not selected Not selected Other (non-Hispanic) Good Refused One Female Not selected Not Selected 3255 14262 1.62525 2 6 2011 Northeast Landline RDD Qualified Revolvers - small balance Yes One You do not use any of your general purpose credit cards Yes Less than $500 You usually pay only the MINIMUM AMOUNT due each month 200 0 Don't know No Yes No No Selected Selected Selected Selected Selected Not selected Not selected Not selected Yes Yes Yes Selected Selected Not selected Not selected Not selected Yes Yes More Somewhat fairly Extremely Dissatisfied Extremely Dissatisfied No No Not Very Familiar Very helpful 25 to 34 "Some high school, not completed" Yes 5 Yes Not selected Not selected Selected Not selected Not selected Not selected Not selected Hispanic Poor No You are certain you could NOT raise the full $2000 $15K to less than $20K One Male Revolvers Selected Selected Know interest paid but not APR 1034 29081 0.82478 2 6 2011 South Landline RDD Qualified Revolvers - small balance Yes Three Once or Twice You usually carry a balance from month to month on at least one of your cards $500 to $999 The amount and percentage of the bill that you pay each month varies from month to month 0 0 Yes 12.9 No Yes Don't know Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes No No Selected Not selected Not selected Not selected Not selected Yes Yes Less Very fairly Somewhat Satisfied Somewhat Satisfied No No Somewhat Familiar Neither helpful nor unhelpful 60 to 64 Completed college Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more One Female Revolvers Not selected Selected Know both interest paid and APR 6592 27548 0.82478 2 6 2011 South Landline RDD Qualified Transactors Yes One More than Six Times You always pay your credit card balances in full on all your cards 85 Yes 18 No No Don't know Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected No No No Don't know Yes More Very fairly Extremely Satisfied Neither Satisfied nor Dissatisfied No No Somewhat Familiar Neither helpful nor unhelpful 50 to 54 Completed college Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more One Female Transactors Not selected Selected Know APR and have no balance 6602 28942 0.89667 2 6 2011 West Landline RDD Unqualified Yes Two You do not use any of your general purpose credit cards No 55 to 59 Completed high school Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent $75K to less than $100K One Male Not selected Not Selected 6607 28235 0.75295 2 6 2011 West Landline RDD Unqualified No Yes You closed some accounts and other accounts were closed by the bank 60 to 64 Completed college No 1 Yes Selected Not selected Not selected Not selected Not selected Not selected Not selected Hispanic Poor Under $15K One Male Not selected Not Selected 3710 27219 0.85431 2 6 2011 South Landline RDD Qualified Transactors Yes One Five or Six Times You always pay your credit card balances in full on all your cards 0 Yes 20 Yes Not selected Not selected Not selected Not selected Selected Not selected Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected Yes Yes The Same Neither fairly nor unfairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No No Somewhat Familiar Neither helpful nor unhelpful 50 to 54 Completed high school Yes 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $75K to less than $100K One Male Transactors Not selected Selected Know APR and have no balance 1529 17627 0.66333 2 6 2011 West Landline RDD Qualified Yes Refused Don't know You usually carry a balance from month to month on at least one of your cards Don't know Don't know Don't know 0 Don't know No Don't know Don't know Yes Not selected Not selected Selected Not selected Not selected Not selected Not selected Not selected Don't know Yes No Not selected Selected Not selected Not selected Not selected No No The Same Very fairly Somewhat Dissatisfied Somewhat Dissatisfied No No Not at all Familiar 65 to 69 Post graduate work Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $50K to less than $75K One Male Selected Selected Know neither interest paid nor APR 6636 31412 1.42104 2 6 2011 West Landline RDD Unqualified No Yes You closed some accounts and other accounts were closed by the bank 60 to 64 Completed grade school or less Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Don't know Refused One Female Not selected Not Selected 4654 19298 0.75295 2 6 2011 West Landline RDD Unqualified No No 50 to 54 "Some college, not completed" No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair $20K to less than $25K One Male Not selected Not Selected 6257 24379 0.94443 2 6 2011 West Landline RDD Qualified Revolvers - small balance Yes Two More than Six Times Other Less than $500 You usually pay only the MINIMUM AMOUNT due each month Don't know Don't know Yes 10 No Yes No Yes Selected Not selected Not selected Not selected Not selected Not selected Not selected Not selected Yes Yes No Selected Not selected Not selected Not selected Not selected No Yes More Neither fairly nor unfairly Neither Satisfied nor Dissatisfied Somewhat Satisfied No No Not at all Familiar 25 to 34 Completed college No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You could probably come up with $2000 $50K to less than $75K One Male Revolvers Selected Selected Know APR but not interest paid 5696 22494 0.65217 2 6 2011 West Landline RDD Qualified Yes One Three or Four Times You usually carry a balance from month to month on at least one of your cards Refused The amount and percentage of the bill that you pay each month varies from month to month Refused 20 Yes 19 No Yes No No Not selected Not selected Not selected Selected Not selected Not selected Not selected Not selected Yes Yes Yes Selected Not selected Not selected Not selected Not selected No No Less Somewhat fairly Somewhat Dissatisfied Neither Satisfied nor Dissatisfied No No Not Very Familiar Neither helpful nor unhelpful 35 to 44 Completed college No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You could probably NOT come up with $2000 $50K to less than $75K Two Female Not selected Selected Refused at least one of the two questions 1699 14248 1.13449 2 6 2011 West Landline RDD Qualified Revolvers - large balance Yes Two You do not use any of your general purpose credit cards Yes $5000 or more You usually pay only the MINIMUM AMOUNT due each month Don't know 0 Yes 4.5 Yes Not selected Not selected Not selected Not selected Selected Not selected Yes No No Not selected Not selected Selected Selected Not selected Not selected Not selected Not selected Yes Yes No Selected Not selected Not selected Not selected Not selected Yes Yes Less Somewhat unfairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No No Not at all Familiar 45 to 49 Completed college Yes 2 Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Hispanic Good No You are certain you could come up with the full $2000 $100K or more One Male Revolvers Selected Selected Know APR but not interest paid 6642 22683 1.30432 2 6 2011 West Landline RDD Qualified Yes Three You do not use any of your general purpose credit cards Yes Refused The amount and percentage of the bill that you pay each month varies from month to month Don't know 0 Yes 14.99 Yes Not selected Not selected Selected Not selected Not selected Not selected Yes Yes Yes Selected Not selected Selected Not selected Not selected Not selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected Yes Yes The Same Very fairly Somewhat Dissatisfied Neither Satisfied nor Dissatisfied No No Not Very Familiar Don't know 35 to 44 Completed college No 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You are certain you could come up with the full $2000 $50K to less than $75K One Female Selected Selected Know APR but not interest paid 1377 22819 0.76263 2 6 2011 West Landline RDD Qualified Transactors Yes One Five or Six Times You always pay your credit card balances in full on all your cards 0 Don't know No No No Don't know Don't know Yes Don't know Not selected Not selected Selected Not selected Not selected No No Less Very fairly Neither Satisfied nor Dissatisfied Don't know No No Not at all Familiar 75 to 84 Post graduate work No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $20K to less than $25K One Female Transactors Not selected Selected Don't know APR and have no balance 5423 14751 0.75295 2 6 2011 West Landline RDD Qualified Transactors Yes Three Five or Six Times You always pay your credit card balances in full on all your cards 0 Yes 15 Yes Selected Not selected Not selected Not selected Not selected Not selected Yes Yes Yes Selected Selected Not selected Not selected Not selected Not selected Not selected Not selected Yes Yes No Not selected Selected Not selected Not selected Not selected Yes Yes The Same Somewhat fairly Somewhat Satisfied Neither Satisfied nor Dissatisfied No No Not Very Familiar Neither helpful nor unhelpful 55 to 59 Post graduate work No 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $75K to less than $100K One Male Transactors Selected Selected Know APR and have no balance 6675 22588 0.42608 2 6 2011 Midwest Landline RDD Unqualified No Yes You decided to close the account and make purchases in other ways such as with a debit card 70 to 74 Completed high school Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent $40K to less than $50K Two Female Not selected Not Selected 6632 15755 0.66333 2 6 2011 West Landline RDD Qualified Revolvers - large balance Yes Four or More More than Six Times You sometimes pay your credit card balances in full and sometimes carry a balance from month to month $5000 or more The amount and percentage of the bill that you pay each month varies from month to month 0 0 Yes 0 Yes Selected Not selected Selected Not selected Not selected Not selected No Yes Yes Not selected Selected Not selected Not selected Not selected Not selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected Yes Yes Less Very fairly Somewhat Satisfied Neither Satisfied nor Dissatisfied Yes No Somewhat Familiar Neither helpful nor unhelpful 65 to 69 "Some college, not completed" No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You are certain you could come up with the full $2000 $75K to less than $100K One Male Revolvers Selected Selected Know both interest paid and APR 4773 24301 0.48487 2 6 2011 Midwest Landline RDD Unqualified No No Under 25 "Some high school, not completed" No 4 Don't know Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair $20K to less than $25K Three or more Male Not selected Not Selected 3013 16632 1.45743 2 6 2011 Midwest Landline RDD Qualified Yes Two Once or Twice You sometimes pay your credit card balances in full and sometimes carry a balance from month to month Refused The amount and percentage of the bill that you pay each month varies from month to month Don't know 0 Yes 9 No Yes Yes Yes Not selected Selected Selected Selected Not selected Not selected Not selected Not selected No Yes No Not selected Not selected Selected Not selected Not selected No No Less Somewhat fairly Somewhat Dissatisfied Somewhat Dissatisfied Yes No Somewhat Familiar Somewhat helpful 45 to 49 Completed high school Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $75K to less than $100K One Female Selected Selected Know APR but not interest paid 2737 23676 0.85215 2 6 2011 Midwest Landline RDD Qualified Transactors Yes One Once or Twice You always pay your credit card balances in full on all your cards 20 Yes 9 No Yes Yes Yes Selected Not selected Not selected Not selected Not selected Not selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected Yes Yes The Same Very fairly Extremely Satisfied Extremely Satisfied No No Somewhat Familiar Somewhat helpful 65 to 69 Completed high school No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair No You are certain you could NOT raise the full $2000 $25K to less than $30K One Female Transactors Selected Selected Know APR and have no balance 862 29171 1.22383 2 6 2011 Midwest Landline RDD Qualified Yes Four or More More than Six Times You sometimes pay your credit card balances in full and sometimes carry a balance from month to month Don't know The amount and percentage of the bill that you pay each month varies from month to month 100 0 Yes 10 Yes Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes No No Not selected Not selected Selected Not selected Not selected No No The Same Very fairly Somewhat Dissatisfied Neither Satisfied nor Dissatisfied Yes No Somewhat Familiar Neither helpful nor unhelpful 45 to 49 Completed college Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more One Female Not selected Selected Know both interest paid and APR 6689 23922 0.29354 2 6 2011 Midwest Landline RDD Unqualified No Yes Other 55 to 59 "Some college, not completed" Yes 7 No Not selected Selected Not selected Not selected Not selected Not selected Not selected Black/African-American (non-Hispanic) Poor $30K to less than $40K Three or more Female Not selected Not Selected 5645 15435 0.81225 2 6 2011 Midwest Landline RDD Qualified Revolvers - large balance Yes Three More than Six Times You usually carry a balance from month to month on at least one of your cards $5000 or more The amount and percentage of the bill that you pay each month varies from month to month 13 0 Yes 13 Yes Not selected Not selected Selected Not selected Not selected Not selected Yes No Don't know Not selected Not selected Selected Selected Not selected Not selected Not selected Not selected Yes Yes Yes Not selected Not selected Selected Not selected Not selected Yes Yes Less Very unfairly Extremely Dissatisfied Extremely Dissatisfied Yes Yes 1 You received something in the mail or via e-mail about the card(s) You shopped around and compared several different cards before selecting the card(s) for which you applied Very easy 5 - Extremely important 5 - Extremely Important 1 - Not at all important 1 - Not at all important 5 - Extremely Important 3 The permanent interest rate after the end of the introductory period Very Familiar Somewhat helpful 55 to 59 "Some college, not completed" Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more One Female Revolvers Selected Selected Know both interest paid and APR 6672 23162 0.62239 2 6 2011 Midwest Landline RDD Qualified Transactors Yes Two More than Six Times You always pay your credit card balances in full on all your cards 0 Don't know No Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes No Don't know Not selected Not selected Selected Not selected Not selected Yes Yes The Same Very fairly Extremely Satisfied Somewhat Dissatisfied No No Very Familiar Neither helpful nor unhelpful 70 to 74 Post graduate work No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Don't know No You are certain you could come up with the full $2000 $50K to less than $75K One Male Transactors Not selected Selected Don't know APR and have no balance 6668 18486 1.26765 2 6 2011 Midwest Landline RDD Qualified Revolvers - large balance Yes Two Five or Six Times Other $5000 or more The amount and percentage of the bill that you pay each month varies from month to month 700 0 Yes 19 Yes Not selected Not selected Not selected Selected Not selected Not selected Don't know Don't know Don't know Yes Yes No Selected Not selected Not selected Not selected Not selected No No Less Very unfairly Extremely Dissatisfied Neither Satisfied nor Dissatisfied No Yes 2 You received something in the mail or via e-mail about the card(s) Other Not Very Familiar Very unhelpful 35 to 44 Completed high school Yes 4 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You are certain you could NOT raise the full $2000 $50K to less than $75K One Male Revolvers Not selected Selected Know both interest paid and APR 3806 26502 0.70649 2 6 2011 Midwest Landline RDD Qualified Revolvers - large balance Yes One Once or Twice You usually carry a balance from month to month on at least one of your cards $5000 or more The amount and percentage of the bill that you pay each month varies from month to month 2 300 Yes 12 No Yes Yes Yes Not selected Not selected Not selected Not selected Selected Not selected Not selected Not selected Yes Yes No Selected Not selected Not selected Not selected Not selected Yes Yes Less Somewhat fairly Somewhat Dissatisfied Somewhat Dissatisfied No No Not at all Familiar 55 to 59 Completed college Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent Yes You could probably come up with $2000 $75K to less than $100K One Male Revolvers Not selected Selected Know both interest paid and APR 4214 21206 0.41 2 6 2011 West Landline RDD Unqualified No No 35 to 44 "Some college, not completed" No 1 No Not selected Selected Not selected Not selected Not selected Not selected Not selected Black/African-American (non-Hispanic) Fair $25K to less than $30K Three or more Male Not selected Not Selected 4198 25872 1.30432 2 6 2011 West Landline RDD Qualified Revolvers - large balance Yes Four or More More than Six Times You usually carry a balance from month to month on at least one of your cards $5000 or more You usually pay the same AMOUNT each month 300 0 Yes 25.99 Yes Not selected Not selected Selected Not selected Not selected Not selected Yes Yes Yes Not selected Selected Not selected Not selected Not selected Not selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected No No Less Somewhat unfairly Extremely Dissatisfied Somewhat Dissatisfied No No Somewhat Familiar Neither helpful nor unhelpful 45 to 49 Completed college Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair No You are certain you could come up with the full $2000 $100K or more One Female Revolvers Selected Selected Know both interest paid and APR 1297 25272 0.71053 2 6 2011 West Landline RDD Unqualified No No 50 to 54 "Some high school, not completed" Yes 4 Yes Selected Not selected Not selected Not selected Not selected Not selected Not selected Hispanic Excellent $50K to less than $75K Two Female Not selected Not Selected 6714 32098 1.08073 2 6 2011 Northeast Landline RDD Unqualified No Yes Other 60 to 64 Completed high school Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good $100K or more One Female Not selected Not Selected 5433 20508 1.13829 2 6 2011 Northeast Landline RDD Unqualified No No Under 25 "Some college, not completed" No 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent Under $15K One Female Not selected Not Selected 1336 14877 0.66333 2 6 2011 West Landline RDD Qualified Transactors Yes Four or More More than Six Times You always pay your credit card balances in full on all your cards 0 Don't know Yes Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Yes Not selected Not selected Not selected Selected Not selected Not selected Not selected Not selected Yes Yes No Selected Not selected Not selected Not selected Not selected No Yes Less Neither fairly nor unfairly Somewhat Dissatisfied Somewhat Dissatisfied No No Somewhat Familiar Neither helpful nor unhelpful 65 to 69 Completed college Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more One Male Transactors Not selected Selected Don't know APR and have no balance 1472 16435 0.33167 2 6 2011 West Landline RDD Qualified Transactors Yes Two Five or Six Times You always pay your credit card balances in full on all your cards 0 Don't know No Don't know Don't know Don't know Don't know Don't know No Don't know Yes Less Somewhat fairly Somewhat Satisfied Somewhat Satisfied No No Not Very Familiar Very helpful 65 to 69 Completed college Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $20K to less than $25K Two Male Transactors Not selected Selected Don't know APR and have no balance 4594 26704 0.66333 2 6 2011 West Landline RDD Qualified Transactors Yes One More than Six Times You always pay your credit card balances in full on all your cards 0 Don't know No Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected No Yes Yes Selected Not selected Not selected Not selected Not selected Yes Yes The Same Very fairly Somewhat Satisfied Somewhat Dissatisfied No No Somewhat Familiar Somewhat helpful 70 to 74 "Some college, not completed" Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 Refused One Male Transactors Not selected Selected Don't know APR and have no balance 359 19204 0.57076 2 6 2011 Northeast Landline RDD Unqualified No No 85 or older Completed grade school or less No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent Under $15K Two Male Not selected Not Selected 4446 15529 0.26331 2 6 2011 West Landline RDD Qualified Transactors Yes One Once or Twice You always pay your credit card balances in full on all your cards 0 Yes 14 No Yes Don't know Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected Yes Yes More Very fairly Extremely Satisfied Don't know No No Not at all Familiar 85 or older Completed high school No 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $15K to less than $20K Three or more Male Transactors Not selected Selected Know APR and have no balance 2872 17139 1.36736 2 6 2011 Northeast Landline RDD Qualified Transactors Yes One More than Six Times You always pay your credit card balances in full on all your cards Don't know Don't know Yes Not selected Not selected Not selected Selected Not selected Not selected No No Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Don't know Yes No Not selected Not selected Selected Not selected Not selected No Yes The Same Somewhat fairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No No Not at all Familiar 35 to 44 Completed college Yes 5 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more One Female Transactors Not selected Selected Don't know APR and have no balance 282 25473 0.90751 2 6 2011 Northeast Landline RDD Qualified Transactors Yes Three More than Six Times You always pay your credit card balances in full on all your cards 0 Don't know No Don't know Don't know Don't know Don't know Yes No Not selected Not selected Selected Not selected Not selected No No The Same Somewhat unfairly Extremely Dissatisfied Extremely Dissatisfied No No Not Very Familiar Neither helpful nor unhelpful 50 to 54 Post graduate work Yes 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You are certain you could come up with the full $2000 $100K or more One Female Transactors Not selected Selected Don't know APR and have no balance 2837 31096 0.90751 2 6 2011 Northeast Landline RDD Qualified Transactors Yes One More than Six Times You always pay your credit card balances in full on all your cards 0 Yes 9.9 Yes Not selected Not selected Not selected Selected Not selected Not selected Yes No No Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected No Don't know No No Refused Less Refused Extremely Dissatisfied Extremely Satisfied No No Very Familiar Refused 55 to 59 Completed college Yes 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No Refused $75K to less than $100K One Female Transactors Not selected Selected Know APR and have no balance 428 17613 0.85431 2 6 2011 South Landline RDD Qualified Transactors Yes One Once or Twice You always pay your credit card balances in full on all your cards 0 Yes 18 No Don't know Don't know Don't know Yes Yes No Not selected Not selected Selected Not selected Not selected Yes No Less Very fairly Extremely Dissatisfied Somewhat Dissatisfied No No Not Very Familiar Somewhat unhelpful 55 to 59 Completed high school No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $75K to less than $100K One Male Transactors Not selected Selected Know APR and have no balance 2251 32457 0.7266 2 6 2011 South Landline RDD Qualified Revolvers - medium balance Yes One Once or Twice You sometimes pay your credit card balances in full and sometimes carry a balance from month to month $1000 to $1999 The amount and percentage of the bill that you pay each month varies from month to month Don't know 0 Yes 9 Yes Not selected Selected Not selected Not selected Not selected Not selected Yes Don't know Yes Selected Not selected Not selected Not selected Not selected Not selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected Yes Yes The Same Somewhat fairly Somewhat Satisfied Refused No No Not at all Familiar 70 to 74 "Some college, not completed" Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $25K to less than $30K One Female Revolvers Selected Selected Know APR but not interest paid 5965 16156 0.36029 2 6 2011 South Landline RDD Qualified Transactors Yes Two More than Six Times You always pay your credit card balances in full on all your cards 100 Yes 0 No Don't know No Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Don't know Yes No Not selected Not selected Selected Not selected Not selected No No More Very fairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No No Somewhat Familiar Neither helpful nor unhelpful 35 to 44 Post graduate work Yes 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more Three or more Male Transactors Not selected Selected Know APR and have no balance 5966 19048 0.63199 2 6 2011 South Landline RDD Qualified Yes Four or More Five or Six Times You sometimes pay your credit card balances in full and sometimes carry a balance from month to month Don't know You usually pay the same PERCENTAGE of the bill each month 9 0 Yes 8 Yes Not selected Not selected Selected Not selected Not selected Not selected Yes Yes Yes Not selected Selected Not selected Not selected Not selected Not selected Not selected Not selected Yes Yes Don't know Selected Not selected Not selected Not selected Not selected Yes Yes The Same Somewhat fairly Somewhat Dissatisfied Neither Satisfied nor Dissatisfied Yes No Somewhat Familiar Somewhat helpful 70 to 74 Post graduate work Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You could probably come up with $2000 $75K to less than $100K One Male Selected Selected Know both interest paid and APR 2111 33421 0.63199 2 6 2011 South Landline RDD Qualified Transactors Yes Two More than Six Times You always pay your credit card balances in full on all your cards 20 Yes 14.5 Yes Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Yes Selected Selected Not selected Selected Not selected Not selected Not selected Not selected Yes No Yes Selected Not selected Not selected Not selected Not selected Yes Yes More Somewhat fairly Extremely Dissatisfied Somewhat Satisfied No No Somewhat Familiar Very helpful 75 to 84 Completed college No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good Yes You are certain you could come up with the full $2000 $15K to less than $20K One Male Transactors Selected Selected Know APR and have no balance 5316 22801 1.03745 2 6 2011 South Landline RDD Unqualified No Yes You decided to close the account and make purchases in other ways such as with a debit card 75 to 84 Completed grade school or less Yes 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good Under $15K One Male Not selected Not Selected 6761 24812 1.2872 2 6 2011 South Landline RDD Unqualified No No 35 to 44 Completed high school Yes 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair $15K to less than $20K One Male Not selected Not Selected 6757 18562 0.82478 2 6 2011 South Landline RDD Qualified Transactors Yes One Once or Twice You always pay your credit card balances in full on all your cards 0 Yes 9 No Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Yes Not selected Not selected Selected Not selected Not selected Yes Yes More Very fairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No No Somewhat Familiar Neither helpful nor unhelpful 55 to 59 Post graduate work Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more One Female Transactors Not selected Selected Know APR and have no balance 6752 27620 0.7266 2 6 2011 South Landline RDD Qualified Revolvers - small balance Yes One Once or Twice You sometimes pay your credit card balances in full and sometimes carry a balance from month to month Less than $500 The amount and percentage of the bill that you pay each month varies from month to month 6 0 Yes 7 No Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Don't know Not selected Not selected Selected Not selected Not selected Yes Yes The Same Very fairly Extremely Satisfied Extremely Satisfied No No Somewhat Familiar Neither helpful nor unhelpful 65 to 69 "Some college, not completed" No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $25K to less than $30K One Female Revolvers Not selected Selected Know both interest paid and APR 2141 28948 0.21066 2 6 2011 South Landline RDD Qualified Transactors Yes Two Don't know You always pay your credit card balances in full on all your cards 15 Don't know Yes Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Don't know Don't know Don't know Yes Yes Less Very fairly Extremely Dissatisfied Somewhat Dissatisfied No No Somewhat Familiar Very unhelpful 70 to 74 Post graduate work Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more Three or more Male Transactors Not selected Selected Don't know APR and have no balance 6786 21494 0.9822 2 6 2011 South Landline RDD Unqualified No No 50 to 54 Completed high school No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair $15K to less than $20K One Female Not selected Not Selected 6781 33188 0.82478 2 6 2011 South Landline RDD Qualified Transactors Yes Three More than Six Times You always pay your credit card balances in full on all your cards Don't know Don't know Yes Not selected Not selected Selected Not selected Not selected Not selected Yes Don't know Don't know Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes No Yes Not selected Selected Not selected Not selected Not selected Yes No Less Very fairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No No Somewhat Familiar Somewhat helpful 60 to 64 "Some college, not completed" Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $50K to less than $75K One Female Transactors Not selected Selected Don't know APR and have no balance 6796 23923 1.3124 2 6 2011 Northeast Landline RDD Unqualified No No 85 or older "Some high school, not completed" No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good $15K to less than $20K One Female Not selected Not Selected 1962 31148 0.2665 2 6 2011 Northeast Landline RDD Qualified Transactors Yes One Once or Twice You always pay your credit card balances in full on all your cards 0 Yes 0 Don't know Don't know Don't know Don't know Yes Yes Don't know Not selected Not selected Selected Not selected Not selected Don't know Don't know Less Neither fairly nor unfairly Neither Satisfied nor Dissatisfied Somewhat Satisfied No No Not at all Familiar 70 to 74 Completed college Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 Refused Three or more Female Transactors Not selected Selected Know APR and have no balance 6236 20862 1.18932 2 6 2011 Northeast Landline RDD Qualified Transactors Yes Four or More More than Six Times You always pay your credit card balances in full on all your cards 75 Don't know Yes Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Don't know Yes Not selected Not selected Selected Not selected Not selected Yes Yes The Same Somewhat fairly Neither Satisfied nor Dissatisfied Somewhat Satisfied No Yes 2 You received something in the mail or via e-mail about the card(s) You shopped around and compared several different cards before selecting the card(s) for which you applied Very easy 3 1 - Not at all important 5 - Extremely Important 5 - Extremely Important 5 - Extremely Important 3 The rewards you could earn if you continue to use the card Very Familiar Somewhat helpful 45 to 49 Post graduate work Yes 4 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more One Male Transactors Not selected Selected Don't know APR and have no balance 3739 19763 0.41423 2 6 2011 South Landline RDD Qualified Transactors Yes Three More than Six Times You always pay your credit card balances in full on all your cards 0 Don't know Don't know No No Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Don't know Don't know Not selected Not selected Selected Not selected Not selected Yes Yes The Same Somewhat fairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No No Not Very Familiar Neither helpful nor unhelpful 45 to 49 Completed college Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more Three or more Female Transactors Not selected Selected Don't know APR and have no balance 6812 20945 0.34769 2 6 2011 Northeast Landline RDD Qualified Transactors Yes Two More than Six Times You always pay your credit card balances in full on all your cards 0 Don't know No Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected Don't know Yes Don't know Very fairly Extremely Satisfied Extremely Satisfied No No Very Familiar Very helpful 65 to 69 Completed college No 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more Two Male Transactors Not selected Selected Don't know APR and have no balance 47 15371 0.82812 2 6 2011 Northeast Landline RDD Qualified Transactors Yes One More than Six Times You always pay your credit card balances in full on all your cards 0 Don't know Yes Not selected Not selected Not selected Not selected Selected Not selected Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Don't know Yes Don't know Not selected Selected Not selected Not selected Not selected Yes Yes Less Very fairly Extremely Satisfied Somewhat Satisfied No No Somewhat Familiar Somewhat helpful 70 to 74 Completed high school Yes 1 Refused Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You are certain you could come up with the full $2000 $20K to less than $25K One Male Transactors Not selected Selected Don't know APR and have no balance 6846 22989 0.94443 2 6 2011 West Landline RDD Unqualified No No 25 to 34 Completed college No 5 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair $75K to less than $100K One Male Not selected Not Selected 6830 33581 0.41239 2 6 2011 South Landline RDD Qualified Transactors Yes Two More than Six Times You always pay your credit card balances in full on all your cards 29 Yes 9 No No No Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected No Yes No Not selected Not selected Selected Not selected Not selected Yes Yes Less Neither fairly nor unfairly Somewhat Satisfied Somewhat Satisfied No No Not at all Familiar 50 to 54 Completed college Yes 6 No Selected Not selected Selected Not selected Not selected Not selected Not selected Other (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $50K to less than $75K Two Female Transactors Not selected Selected Know APR and have no balance 1207 30285 0.34483 2 6 2011 South Landline RDD Qualified Transactors Yes Four or More More than Six Times You always pay your credit card balances in full on all your cards 0 Don't know No Don't know No Don't know No Yes No Not selected Not selected Selected Not selected Not selected Don't know Yes The Same Very fairly Somewhat Satisfied Somewhat Satisfied No No Not at all Familiar 25 to 34 Completed college Yes 4 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You are certain you could come up with the full $2000 $100K or more Three or more Female Transactors Not selected Selected Don't know APR and have no balance 6836 24834 0.54045 2 6 2011 South Landline RDD Qualified Yes Two More than Six Times You sometimes pay your credit card balances in full and sometimes carry a balance from month to month Refused The amount and percentage of the bill that you pay each month varies from month to month 300 0 Yes 13 Yes Selected Not selected Not selected Not selected Not selected Not selected Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Don't know Not selected Not selected Selected Not selected Not selected No Don't know The Same Very fairly Somewhat Dissatisfied Neither Satisfied nor Dissatisfied Yes Don't know Not at all Familiar 35 to 44 Completed college Yes 4 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more Two Male Not selected Selected Know both interest paid and APR 5780 16957 0.98391 2 6 2011 Northeast Landline RDD Qualified Revolvers - medium balance Yes One Once or Twice You sometimes pay your credit card balances in full and sometimes carry a balance from month to month $1000 to $1999 The amount and percentage of the bill that you pay each month varies from month to month Don't know Don't know Yes 18 No Yes Yes No Not selected Selected Selected Not selected Not selected Not selected Not selected Not selected Yes Yes No Selected Selected Not selected Not selected Not selected Yes Yes The Same Somewhat fairly Somewhat Dissatisfied Somewhat Dissatisfied No No Somewhat Familiar Somewhat helpful 55 to 59 "Some college, not completed" Yes 2 No Not selected Selected Not selected Not selected Not selected Not selected Not selected Black/African-American (non-Hispanic) Good No You could probably come up with $2000 $30K to less than $40K One Female Revolvers Selected Selected Know APR but not interest paid 6845 27444 0.65217 2 6 2011 West Landline RDD Qualified Transactors Yes Two More than Six Times You always pay your credit card balances in full on all your cards 50 Don't know Yes Not selected Selected Not selected Not selected Not selected Not selected Don't know No Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Yes Not selected Selected Not selected Not selected Not selected No Yes More Neither fairly nor unfairly Somewhat Satisfied Neither Satisfied nor Dissatisfied No No Not Very Familiar Neither helpful nor unhelpful 35 to 44 Completed college Yes 4 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $75K to less than $100K Two Female Transactors Not selected Selected Don't know APR and have no balance 1716 25704 0.30273 2 6 2011 West Landline RDD Unqualified No No 70 to 74 Completed high school Refused 2 No Selected Not selected Selected Not selected Not selected Not selected Not selected Other (non-Hispanic) Excellent $30K to less than $40K Three or more Female Not selected Not Selected 6859 31486 1.30432 2 6 2011 West Landline RDD Qualified Transactors Yes Two More than Six Times You always pay your credit card balances in full on all your cards 0 Yes 18.9 Yes Not selected Not selected Selected Not selected Not selected Not selected Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Yes Selected Not selected Not selected Not selected Not selected Yes Yes Less Very fairly Somewhat Satisfied Somewhat Satisfied No No Somewhat Familiar Very helpful 45 to 49 Completed college No 1 Yes Selected Not selected Not selected Not selected Not selected Not selected Not selected Hispanic Excellent No You could probably come up with $2000 $50K to less than $75K One Female Transactors Not selected Selected Know APR and have no balance 6870 17704 1.78241 2 6 2011 West Landline RDD Unqualified No No Under 25 "Some high school, not completed" No 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent Don't know One Female Not selected Not Selected 6892 14574 0.77581 2 6 2011 Midwest Landline RDD Unqualified No No 65 to 69 Completed college No 1 No Not selected Selected Not selected Not selected Not selected Not selected Not selected Black/African-American (non-Hispanic) Good Refused One Female Not selected Not Selected 6879 16259 0.62239 2 6 2011 Midwest Landline RDD Qualified Transactors Yes Two Once or Twice You always pay your credit card balances in full on all your cards Don't know Don't know No Don't know No Don't know Yes Don't know No Selected Not selected Not selected Not selected Not selected Yes Yes The Same Very fairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No No Not Very Familiar Somewhat helpful 65 to 69 Post graduate work No 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No Refused Refused One Male Transactors Not selected Selected Don't know APR and have no balance 2978 14149 1.33335 2 6 2011 Midwest Landline RDD Qualified Revolvers - medium balance Yes Two Once or Twice You usually carry a balance from month to month on at least one of your cards $1000 to $1999 You usually pay only the MINIMUM AMOUNT due each month Don't know 75 Don't know No Yes Yes Don't know Not selected Selected Selected Not selected Not selected Not selected Not selected Not selected Yes Yes No Selected Not selected Not selected Not selected Not selected Yes Yes Less Very unfairly Extremely Dissatisfied Extremely Dissatisfied No No Not Very Familiar Very unhelpful 55 to 59 "Some high school, not completed" Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good Yes You could probably NOT come up with $2000 $30K to less than $40K One Female Revolvers Selected Selected Know neither interest paid nor APR 6900 27003 1.22383 2 6 2011 Midwest Landline RDD Qualified Revolvers - medium balance Yes Four or More Once or Twice You usually carry a balance from month to month on at least one of your cards $2000 to $2999 The amount and percentage of the bill that you pay each month varies from month to month 500 30 Yes 26 Yes Selected Not selected Not selected Not selected Not selected Not selected Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected No No Less Very unfairly Extremely Dissatisfied Extremely Dissatisfied No No Not Very Familiar Very unhelpful 45 to 49 Completed college No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair Yes You could probably NOT come up with $2000 $40K to less than $50K One Female Revolvers Not selected Selected Know both interest paid and APR 6312 27056 1.26765 2 6 2011 Midwest Landline RDD Qualified Transactors Yes One Once or Twice You always pay your credit card balances in full on all your cards 0 Don't know No Yes Don't know Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected Yes Yes The Same Very fairly Extremely Satisfied Extremely Satisfied No No Somewhat Familiar Neither helpful nor unhelpful 45 to 49 Completed high school Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more One Male Transactors Not selected Selected Don't know APR and have no balance 4509 14821 0.54445 2 6 2011 West Landline RDD Unqualified Yes Four or More You do not use any of your general purpose credit cards No 70 to 74 Completed grade school or less No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good $100K or more Two Male Not selected Not Selected 3323 24522 1.0188 2 6 2011 Midwest Landline RDD Qualified Transactors Yes Four or More More than Six Times You always pay your credit card balances in full on all your cards 0 Yes 12 No Don't know Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Don't know Not selected Not selected Selected Not selected Not selected Yes Yes The Same Very fairly Somewhat Dissatisfied Neither Satisfied nor Dissatisfied No No Not at all Familiar 25 to 34 Post graduate work Yes 4 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $40K to less than $50K One Female Transactors Not selected Selected Know APR and have no balance 6914 30851 1.22383 2 6 2011 Midwest Landline RDD Qualified Revolvers - large balance Yes Four or More Once or Twice You usually carry a balance from month to month on at least one of your cards $5000 or more You usually pay the same AMOUNT each month Don't know 200 Yes 22 Yes Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Don't know Not selected Not selected Selected Not selected Not selected Not selected Not selected Not selected Yes No No Selected Not selected Not selected Not selected Not selected No No Less Very unfairly Extremely Dissatisfied Neither Satisfied nor Dissatisfied No No Not Very Familiar Very unhelpful 35 to 44 "Some college, not completed" Yes 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair No You could probably come up with $2000 $75K to less than $100K One Female Revolvers Selected Selected Know APR but not interest paid 2723 25388 0.21066 2 6 2011 South Landline RDD Qualified Transactors Yes Four or More More than Six Times You always pay your credit card balances in full on all your cards 650 Don't know Yes Not selected Not selected Selected Not selected Not selected Not selected Yes Don't know Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Don't know Not selected Not selected Selected Not selected Not selected Yes Yes The Same Very fairly Extremely Satisfied Don't know No No Not Very Familiar Neither helpful nor unhelpful 65 to 69 Completed college Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more Three or more Male Transactors Not selected Selected Don't know APR and have no balance 5824 17084 0.85431 2 6 2011 South Landline RDD Unqualified No No 60 to 64 Completed high school Refused 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Don't know Under $15K One Male Not selected Not Selected 4753 20592 0.23912 2 6 2011 South Landline RDD Qualified Yes Four or More More than Six Times Other Refused The amount and percentage of the bill that you pay each month varies from month to month Don't know 0 Yes 9.5 Yes Selected Not selected Not selected Not selected Not selected Not selected Yes Yes Yes Not selected Not selected Selected Not selected Not selected Not selected Not selected Not selected No No No No No Less Very unfairly Somewhat Dissatisfied Extremely Dissatisfied No No Somewhat Familiar Somewhat helpful 60 to 64 Completed college Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more Three or more Male Selected Selected Know APR but not interest paid 2546 29002 1.36736 2 6 2011 Northeast Landline RDD Qualified Transactors Yes Four or More More than Six Times You always pay your credit card balances in full on all your cards 0 Yes 13 No No No No Yes Yes No Not selected Not selected Selected Not selected Not selected No No The Same Very fairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No No Not Very Familiar Neither helpful nor unhelpful 35 to 44 Completed college Yes 4 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more One Female Transactors Not selected Selected Know APR and have no balance 6368 17614 0.69539 2 6 2011 Northeast Landline RDD Qualified Transactors Yes Two Five or Six Times You always pay your credit card balances in full on all your cards Refused Don't know No Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Don't know Not selected Not selected Selected Not selected Not selected Yes Yes More Neither fairly nor unfairly Neither Satisfied nor Dissatisfied Extremely Satisfied No No Somewhat Familiar Neither helpful nor unhelpful 70 to 74 "Some college, not completed" Yes 3 Refused Not selected Not selected Not selected Not selected Not selected Not selected Selected Other (non-Hispanic) Don't know No You are certain you could NOT raise the full $2000 Refused One Male Transactors Not selected Selected Don't know APR and have no balance 6965 16634 0.23912 2 6 2011 South Landline RDD Qualified Transactors Yes Two Once or Twice You always pay your credit card balances in full on all your cards 0 Yes 0 No Yes Don't know Don't know Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Don't know Yes Yes Not selected Not selected Selected Not selected Not selected Yes Yes The Same Neither fairly nor unfairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No No Not Very Familiar Somewhat helpful 50 to 54 Completed college Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $75K to less than $100K Three or more Male Transactors Not selected Selected Know APR and have no balance 3962 31303 0.9082 2 6 2011 West Landline RDD Unqualified Yes Two You do not use any of your general purpose credit cards No 65 to 69 Completed high school Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent $30K to less than $40K One Female Not selected Not Selected 3716 28554 0.82478 2 6 2011 South Landline RDD Qualified Revolvers - large balance Yes Four or More You do not use any of your general purpose credit cards Yes $5000 or more The amount and percentage of the bill that you pay each month varies from month to month Don't know 0 Yes 13.9 Yes Not selected Selected Not selected Not selected Not selected Not selected Yes Yes Yes Selected Not selected Selected Selected Not selected Not selected Not selected Not selected Yes Yes No Selected Not selected Not selected Not selected Not selected Yes Yes The Same Neither fairly nor unfairly Extremely Dissatisfied Somewhat Dissatisfied No No Somewhat Familiar Neither helpful nor unhelpful 60 to 64 Post graduate work Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You are certain you could come up with the full $2000 $50K to less than $75K One Female Revolvers Selected Selected Know APR but not interest paid 1256 24514 0.75262 2 6 2011 South Landline RDD Unqualified No No 70 to 74 Completed high school No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Don't know $20K to less than $25K One Male Not selected Not Selected 4630 21306 0.37648 2 6 2011 West Landline RDD Qualified Transactors Yes Four or More More than Six Times You always pay your credit card balances in full on all your cards 0 Don't know Yes Not selected Not selected Selected Not selected Not selected Not selected Yes Don't know Don't know Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Don't know Yes No Not selected Not selected Selected Not selected Not selected No No Less Very unfairly Extremely Dissatisfied Extremely Dissatisfied Yes No Not Very Familiar Very unhelpful 55 to 59 "Some college, not completed" Yes 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more Two Male Transactors Not selected Selected Don't know APR and have no balance 6964 32413 0.89421 2 6 2011 South Landline RDD Qualified Revolvers - medium balance Yes Two More than Six Times You usually carry a balance from month to month on at least one of your cards $2000 to $2999 Don't know 14 39 Yes 14.9 Yes Not selected Not selected Not selected Selected Not selected Not selected No No Don't know Don't know Yes Yes Selected Not selected Not selected Not selected Not selected Yes Yes The Same Very fairly Somewhat Dissatisfied Somewhat Satisfied No Yes 1 You received something in the mail or via e-mail about the card(s) "You applied for card/cards that read/heard about and seemed attractive, but did not do a lot of comparative shopping" 1 - Not at all important 3 5 - Extremely Important 1 - Not at all important 5 - Extremely Important 3 Don't know Not at all Familiar 50 to 54 Completed college Yes 4 No Not selected Selected Not selected Not selected Not selected Not selected Not selected Black/African-American (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more One Female Revolvers Not selected Selected Know both interest paid and APR 5293 16599 1.08581 2 6 2011 West Landline RDD Qualified Revolvers - medium balance Yes Two Once or Twice You sometimes pay your credit card balances in full and sometimes carry a balance from month to month $1000 to $1999 The amount and percentage of the bill that you pay each month varies from month to month Don't know 0 Yes 0.15 No Yes Yes Don't know Selected Selected Not selected Not selected Not selected Not selected Not selected Not selected Yes Yes No Selected Not selected Not selected Not selected Not selected No No Less Somewhat unfairly Somewhat Dissatisfied Somewhat Dissatisfied Yes No Not Very Familiar Somewhat unhelpful 25 to 34 Post graduate work Yes 2 No Selected Not selected Not selected Selected Selected Not selected Not selected Other (non-Hispanic) Good No You could probably come up with $2000 $100K or more One Female Revolvers Selected Selected Know APR but not interest paid 4231 14187 0.94443 2 6 2011 West Landline RDD Qualified Revolvers - large balance Yes Three Three or Four Times You usually carry a balance from month to month on at least one of your cards $3000 to $3999 The amount and percentage of the bill that you pay each month varies from month to month 200 30 Yes 18 Yes Selected Not selected Selected Not selected Not selected Not selected Yes Yes Yes Selected Not selected Not selected Not selected Not selected Not selected Not selected Not selected Yes No Yes Not selected Not selected Selected Not selected Not selected Yes No Less Very fairly Somewhat Dissatisfied Neither Satisfied nor Dissatisfied No No Not Very Familiar Somewhat helpful 25 to 34 "Some college, not completed" No 3 Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Hispanic Excellent No You could probably come up with $2000 $50K to less than $75K One Male Revolvers Selected Selected Know both interest paid and APR 6093 28922 0.3749 2 6 2011 West Landline RDD Unqualified No No 25 to 34 Completed high school No 3 Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Hispanic Fair $15K to less than $20K Three or more Male Not selected Not Selected 1908 23721 1.13829 2 7 2011 Northeast Landline RDD Unqualified Yes One You do not use any of your general purpose credit cards No 25 to 34 Completed college Yes 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair $75K to less than $100K One Female Not selected Not Selected 7018 17415 0.3274 2 7 2011 South Landline RDD Unqualified No Yes Other 50 to 54 Completed high school Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good $50K to less than $75K Three or more Female Not selected Not Selected 7024 25501 0.81598 2 7 2011 South Landline RDD Unqualified No Yes You decided to close the account and make purchases in other ways such as with a debit card 65 to 69 Completed high school No 4 No Not selected Selected Not selected Not selected Not selected Not selected Not selected Black/African-American (non-Hispanic) Fair $20K to less than $25K One Male Not selected Not Selected 6985 24931 0.3112 2 7 2011 Midwest Landline RDD Qualified Transactors Yes Two More than Six Times You always pay your credit card balances in full on all your cards 0 Don't know Don't know Don't know Don't know Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Don't know Not selected Not selected Selected Not selected Not selected No Don't know The Same Somewhat fairly Somewhat Satisfied Somewhat Satisfied No No Somewhat Familiar Neither helpful nor unhelpful 65 to 69 Post graduate work Yes 2 No Selected Not selected Selected Not selected Not selected Not selected Not selected Other (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $30K to less than $40K Two Male Transactors Not selected Selected Don't know APR and have no balance 4339 26107 0.9082 2 7 2011 West Landline RDD Qualified Transactors Yes One Three or Four Times You always pay your credit card balances in full on all your cards 39 Yes 0 No Don't know Don't know No No No No Yes Don't know The Same Very fairly Refused Don't know No No Not at all Familiar 85 or older Completed high school No 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No Refused Refused One Female Transactors Not selected Selected Know APR and have no balance 6997 14462 0.35325 2 7 2011 Midwest Landline RDD Qualified Revolvers - large balance Yes Two More than Six Times You usually carry a balance from month to month on at least one of your cards $5000 or more The amount and percentage of the bill that you pay each month varies from month to month Don't know Don't know Yes 12 No No Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Don't know Yes No Not selected Not selected Selected Not selected Not selected No No Less Neither fairly nor unfairly Somewhat Satisfied Neither Satisfied nor Dissatisfied No No Somewhat Familiar Neither helpful nor unhelpful 60 to 64 Post graduate work Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You are certain you could come up with the full $2000 $50K to less than $75K Two Male Revolvers Not selected Selected Know APR but not interest paid 7035 15558 1.36736 2 7 2011 Northeast Landline RDD Unqualified No No 35 to 44 Completed college No 1 No Not selected Not selected Not selected Not selected Not selected Selected Not selected Other (non-Hispanic) Excellent $100K or more One Female Not selected Not Selected 7015 33570 0.7266 2 7 2011 South Landline RDD Qualified Transactors Yes One Once or Twice You always pay your credit card balances in full on all your cards 0 Don't know Yes Not selected Not selected Not selected Not selected Selected Not selected Yes Don't know Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Don't know Not selected Not selected Selected Not selected Not selected Yes Yes The Same Very fairly Somewhat Dissatisfied Somewhat Satisfied No No Very Familiar Neither helpful nor unhelpful 70 to 74 "Some college, not completed" No 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $40K to less than $50K One Female Transactors Not selected Selected Don't know APR and have no balance 5430 33239 0.94001 2 7 2011 Northeast Landline RDD Unqualified No No 50 to 54 Completed high school No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent Under $15K One Male Not selected Not Selected 5547 29454 0.90751 2 7 2011 Northeast Landline RDD Unqualified No Yes Other 50 to 54 Completed college No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent $40K to less than $50K One Female Not selected Not Selected 6722 23780 0.90751 2 7 2011 Northeast Landline RDD Qualified Revolvers - small balance Yes One You do not use any of your general purpose credit cards Yes $500 to $999 The amount and percentage of the bill that you pay each month varies from month to month Don't know Don't know Yes 27 No Yes Yes Yes Selected Not selected Not selected Not selected Not selected Not selected Not selected Not selected Yes Yes Don't know Selected Not selected Not selected Not selected Not selected No Yes The Same Neither fairly nor unfairly Extremely Dissatisfied Somewhat Dissatisfied No No Not Very Familiar Neither helpful nor unhelpful 50 to 54 "Some college, not completed" Yes 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair No You are certain you could NOT raise the full $2000 $20K to less than $25K One Female Revolvers Selected Selected Know APR but not interest paid 7028 24369 0.45376 2 7 2011 Northeast Landline RDD Qualified Transactors Yes Two More than Six Times You always pay your credit card balances in full on all your cards 85 Don't know Yes Not selected Not selected Selected Not selected Not selected Not selected No No No No Yes Yes Selected Not selected Not selected Not selected Not selected No No Less Neither fairly nor unfairly Extremely Dissatisfied Extremely Dissatisfied No Yes 1 You received something in the mail or via e-mail about the card(s) "You applied for card/cards that read/heard about and seemed attractive, but did not do a lot of comparative shopping" 1 - Not at all important 1 - Not at all important 5 - Extremely Important 5 - Extremely Important 1 - Not at all important 1 - Not at all important The rewards you could earn if you continue to use the card Not at all Familiar 55 to 59 "Some college, not completed" No 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more Two Female Transactors Not selected Selected Don't know APR and have no balance 7026 18994 0.2318 2 7 2011 Northeast Landline RDD Qualified Transactors Yes Two More than Six Times You always pay your credit card balances in full on all your cards 0 Don't know No Yes No Don't know Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Yes Not selected Not selected Selected Not selected Not selected Yes No Less Somewhat fairly Neither Satisfied nor Dissatisfied Somewhat Satisfied No Yes 1 You saw an advertisement on the Internet "You applied for card/cards that read/heard about and seemed attractive, but did not do a lot of comparative shopping" 1 - Not at all important 1 - Not at all important 1 - Not at all important 2 1 - Not at all important 5 - Extremely Important Other factors Somewhat Familiar Somewhat helpful 65 to 69 Post graduate work Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more Three or more Male Transactors Not selected Selected Don't know APR and have no balance 4458 16160 0.3749 2 7 2011 West Landline RDD Qualified Revolvers - medium balance Yes One Once or Twice You sometimes pay your credit card balances in full and sometimes carry a balance from month to month $2000 to $2999 You usually pay the same AMOUNT each month Don't know Don't know Don't know No Yes Yes Yes Not selected Not selected Not selected Selected Not selected Not selected Not selected Not selected Yes Yes No Selected Not selected Not selected Not selected Not selected Yes Yes The Same Neither fairly nor unfairly Somewhat Satisfied Neither Satisfied nor Dissatisfied No No Not at all Familiar 25 to 34 Completed high school No 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You are certain you could come up with the full $2000 $50K to less than $75K Three or more Male Revolvers Not selected Selected Know neither interest paid nor APR 7073 25858 0.45376 2 7 2011 Northeast Landline RDD Qualified Transactors Yes Two More than Six Times You always pay your credit card balances in full on all your cards 0 Don't know Yes Not selected Not selected Selected Not selected Not selected Not selected Yes Don't know Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Don't know Yes Don't know Not selected Not selected Selected Not selected Not selected Yes Yes The Same Neither fairly nor unfairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No No Not at all Familiar 60 to 64 Post graduate work Refused 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Don't know No You are certain you could come up with the full $2000 $50K to less than $75K Two Female Transactors Not selected Selected Don't know APR and have no balance 6239 30585 0.68368 2 7 2011 Northeast Landline RDD Qualified Transactors Yes Three Once or Twice You always pay your credit card balances in full on all your cards 20 Yes 29.99 Yes Not selected Selected Not selected Not selected Not selected Not selected No No No Yes Yes No Selected Selected Not selected Not selected Not selected No No Less Somewhat unfairly Somewhat Dissatisfied Somewhat Dissatisfied No No Not at all Familiar 35 to 44 Completed college Yes 5 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You could probably come up with $2000 $50K to less than $75K Two Female Transactors Not selected Selected Know APR and have no balance 5564 16184 0.67367 2 7 2011 South Landline RDD Unqualified Yes Three You do not use any of your general purpose credit cards No 35 to 44 Post graduate work Yes 4 No Not selected Selected Not selected Not selected Not selected Not selected Not selected Black/African-American (non-Hispanic) Good $50K to less than $75K Two Female Not selected Not Selected 7104 31913 0.86529 2 7 2011 South Landline RDD Unqualified No No 75 to 84 Completed high school No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent Under $15K One Female Not selected Not Selected 6072 18174 0.32242 2 7 2011 Midwest Landline RDD Qualified Transactors Yes Four or More Three or Four Times You always pay your credit card balances in full on all your cards 0 Don't know No Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes No Selected Not selected Not selected Not selected Not selected No Yes The Same Very fairly Somewhat Dissatisfied Somewhat Dissatisfied No No Not at all Familiar 60 to 64 Completed high school Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 Refused Three or more Female Transactors Not selected Selected Don't know APR and have no balance 7111 19383 0.82478 2 7 2011 South Landline RDD Unqualified No No 50 to 54 Completed college No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Poor $15K to less than $20K One Female Not selected Not Selected 7112 31408 0.9822 2 7 2011 South Landline RDD Unqualified No Yes You decided to close the account and make purchases in other ways such as with a debit card 55 to 59 Completed high school No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good Under $15K One Female Not selected Not Selected 6756 14445 0.85431 2 7 2011 South Landline RDD Qualified Revolvers - large balance Yes Four or More Once or Twice You usually carry a balance from month to month on at least one of your cards $3000 to $3999 You usually pay the same AMOUNT each month 0 0 Yes 0 No Yes Yes Yes Not selected Selected Not selected Not selected Not selected Not selected Not selected Not selected Yes No Don't know Not selected Not selected Selected Not selected Not selected No Don't know Less Somewhat unfairly Extremely Dissatisfied Extremely Dissatisfied No No Not at all Familiar 50 to 54 Completed high school Yes 4 No Selected Not selected Selected Selected Not selected Not selected Not selected Other (non-Hispanic) Excellent Yes You are certain you could come up with the full $2000 $50K to less than $75K One Male Revolvers Selected Selected Know both interest paid and APR 5535 21358 1.2427 2 7 2011 South Landline RDD Qualified Transactors Yes One More than Six Times You always pay your credit card balances in full on all your cards 18 Don't know Yes Selected Not selected Not selected Not selected Not selected Not selected Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes No Yes Selected Not selected Not selected Not selected Not selected Yes Yes More Very fairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No No Somewhat Familiar Somewhat helpful 45 to 49 "Some college, not completed" No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $50K to less than $75K One Female Transactors Not selected Selected Don't know APR and have no balance 3989 21187 0.94443 2 7 2011 West Landline RDD Unqualified No No Under 25 Completed college No 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent $40K to less than $50K One Male Not selected Not Selected 6435 31586 0.78777 2 7 2011 South Landline RDD Qualified Yes Two Don't know You sometimes pay your credit card balances in full and sometimes carry a balance from month to month Don't know You usually pay the same PERCENTAGE of the bill each month Don't know Don't know Yes 12 Yes Not selected Not selected Not selected Not selected Selected Not selected No No Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected Yes Yes The Same Somewhat fairly Somewhat Satisfied Somewhat Satisfied No No Not at all Familiar 65 to 69 "Some college, not completed" Yes 2 No Not selected Selected Not selected Not selected Not selected Not selected Not selected Black/African-American (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more One Female Not selected Selected Know APR but not interest paid 7137 28297 0.62077 2 7 2011 West Landline RDD Unqualified No Yes Other 35 to 44 "Some high school, not completed" Yes 2 Yes Not selected Not selected Not selected Not selected Not selected Not selected Selected Hispanic Fair $15K to less than $20K Three or more Male Not selected Not Selected 2267 32227 1.4799 2 7 2011 South Landline RDD Qualified Revolvers - large balance Yes Two More than Six Times You usually carry a balance from month to month on at least one of your cards $5000 or more The amount and percentage of the bill that you pay each month varies from month to month Don't know 0 Don't know Yes Selected Selected Selected Not selected Not selected Not selected Yes Yes Yes Not selected Not selected Not selected Selected Not selected Not selected Not selected Not selected Yes Yes Yes Selected Not selected Not selected Not selected Not selected Yes Yes More Somewhat fairly Somewhat Satisfied Somewhat Satisfied No No Very Familiar Very helpful 45 to 49 Completed high school Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You could probably come up with $2000 $75K to less than $100K One Female Revolvers Not selected Selected Know neither interest paid nor APR 6863 27216 0.66333 2 7 2011 West Landline RDD Qualified Transactors Yes Two More than Six Times You always pay your credit card balances in full on all your cards 50 Don't know No Don't know No Don't know Yes Don't know Don't know Not selected Not selected Selected Not selected Not selected Don't know No The Same Very fairly Extremely Satisfied Somewhat Satisfied No No Somewhat Familiar Neither helpful nor unhelpful 75 to 84 Completed college Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $50K to less than $75K One Male Transactors Not selected Selected Don't know APR and have no balance 7134 31758 1.13449 2 7 2011 West Landline RDD Qualified Transactors Yes Four or More Once or Twice You always pay your credit card balances in full on all your cards 0 Yes 0 Yes Not selected Not selected Selected Not selected Not selected Not selected Yes Yes Don't know Selected Not selected Not selected Not selected Not selected Not selected Not selected Not selected Yes Yes Don't know Not selected Not selected Selected Not selected Not selected Yes Yes The Same Very fairly Extremely Satisfied Somewhat Satisfied Yes Yes 2 You received something in the mail or via e-mail about the card(s) Other Very Familiar Very helpful 35 to 44 Completed college Yes 4 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more One Male Transactors Selected Selected Know APR and have no balance 5129 16201 0.30273 2 7 2011 West Landline RDD Qualified Revolvers - small balance Yes Four or More Once or Twice You usually carry a balance from month to month on at least one of your cards Less than $500 The amount and percentage of the bill that you pay each month varies from month to month 3 0 Yes 0.24 No Yes Yes Yes Selected Selected Selected Selected Not selected Not selected Not selected Not selected Yes No Yes Not selected Selected Not selected Not selected Not selected Yes Yes The Same Very fairly Somewhat Dissatisfied Somewhat Satisfied No No Very Familiar Very helpful 65 to 69 Completed high school Yes 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair No You are certain you could come up with the full $2000 $30K to less than $40K Three or more Female Revolvers Selected Selected Know both interest paid and APR 7132 14498 0.76263 2 7 2011 West Landline RDD Qualified Revolvers - large balance Yes Three Once or Twice You usually carry a balance from month to month on at least one of your cards $5000 or more The amount and percentage of the bill that you pay each month varies from month to month Don't know 0 Yes 12 Yes Not selected Selected Not selected Not selected Not selected Not selected Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Yes Not selected Not selected Selected Not selected Not selected Don't know Don't know The Same Somewhat fairly Somewhat Satisfied Somewhat Satisfied No No Somewhat Familiar Neither helpful nor unhelpful 65 to 69 "Some college, not completed" No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You are certain you could NOT raise the full $2000 $25K to less than $30K One Female Revolvers Not selected Selected Know APR but not interest paid 7146 25286 0.66333 2 7 2011 West Landline RDD Qualified Revolvers - medium balance Yes Three Three or Four Times You usually carry a balance from month to month on at least one of your cards $1000 to $1999 The amount and percentage of the bill that you pay each month varies from month to month Don't know 99 Yes 8 No Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Don't know No Not selected Not selected Selected Not selected Not selected No Yes The Same Very fairly Somewhat Dissatisfied Somewhat Satisfied No No Very Familiar Somewhat helpful 75 to 84 Post graduate work Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent Yes You are certain you could come up with the full $2000 $25K to less than $30K One Male Revolvers Not selected Selected Know APR but not interest paid 5105 32656 1.12469 2 7 2011 West Landline RDD Unqualified No No Under 25 Completed high school No Refused No Not selected Not selected Not selected Not selected Not selected Selected Not selected Other (non-Hispanic) Don't know Don't know One Male Not selected Not Selected 6336 24410 0.94443 2 7 2011 West Landline RDD Qualified Transactors Yes Three More than Six Times You always pay your credit card balances in full on all your cards 0 Don't know No Yes Don't know Don't know Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected No Yes No Not selected Not selected Selected Not selected Not selected No No The Same Very fairly Somewhat Dissatisfied Somewhat Satisfied Yes Yes 1 You saw an advertisement on TV or in a newspaper or magazine You shopped around and compared several different cards before selecting the card(s) for which you applied Very easy 5 - Extremely important 3 5 - Extremely Important 5 - Extremely Important 5 - Extremely Important 3 The rewards you could earn if you continue to use the card Somewhat Familiar Somewhat helpful 25 to 34 Completed college No 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $50K to less than $75K Don't know Male Transactors Not selected Selected Don't know APR and have no balance 380 27026 1.17189 2 7 2011 South Landline RDD Unqualified No Yes You decided to close the account and make purchases in other ways such as with a debit card 45 to 49 "Some college, not completed" No 3 No Not selected Selected Not selected Not selected Not selected Not selected Not selected Black/African-American (non-Hispanic) Fair $25K to less than $30K One Male Not selected Not Selected 6622 22868 0.66333 2 7 2011 West Landline RDD Qualified Transactors Yes Two More than Six Times You always pay your credit card balances in full on all your cards 0 Don't know No Don't know Don't know Don't know Don't know Yes Yes Not selected Not selected Selected Not selected Not selected Don't know Don't know The Same Very fairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No No Not at all Familiar 75 to 84 Post graduate work Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more One Male Transactors Not selected Selected Don't know APR and have no balance 7170 20598 0.78994 2 7 2011 West Landline RDD Qualified Transactors Yes Two More than Six Times You always pay your credit card balances in full on all your cards 50 Don't know Yes Not selected Not selected Not selected Not selected Selected Not selected Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Not selected Selected Not selected Yes Yes Don't know Selected Not selected Not selected Not selected Not selected Yes Yes More Somewhat fairly Don't know Don't know No Yes 1 Someone at a store at which you were shopping told you about it Other Not Very Familiar Somewhat helpful 70 to 74 Completed high school No 5 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $50K to less than $75K One Male Transactors Not selected Selected Don't know APR and have no balance 2816 29727 0.62239 2 7 2011 Midwest Landline RDD Qualified Yes Four or More Once or Twice You usually carry a balance from month to month on at least one of your cards Don't know The amount and percentage of the bill that you pay each month varies from month to month Don't know Don't know Don't know No Yes Yes Yes Not selected Not selected Selected Not selected Not selected Not selected Not selected Not selected Yes Yes Yes Not selected Selected Not selected Not selected Not selected Yes Yes Don't know Very fairly Somewhat Satisfied Somewhat Satisfied No No Somewhat Familiar Somewhat helpful 65 to 69 "Some college, not completed" Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You could probably come up with $2000 Under $15K One Male Selected Selected Know neither interest paid nor APR 7212 22698 0.64361 2 7 2011 South Landline RDD Unqualified No No 45 to 49 Completed high school Yes 4 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good $40K to less than $50K Two Male Not selected Not Selected 4537 28112 1.78241 2 7 2011 West Landline RDD Unqualified No No 25 to 34 "Some high school, not completed" No 4 No Not selected Not selected Selected Not selected Selected Not selected Not selected Other (non-Hispanic) Poor Under $15K One Female Not selected Not Selected 4525 28433 0.66333 2 7 2011 West Landline RDD Qualified Transactors Yes Three Three or Four Times You always pay your credit card balances in full on all your cards 0 Yes 15 No Don't know No Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected No Yes No Not selected Not selected Selected Not selected Not selected No No The Same Somewhat fairly Somewhat Satisfied Somewhat Satisfied No No Not Very Familiar Neither helpful nor unhelpful 65 to 69 Completed college Yes 2 No Not selected Not selected Not selected Not selected Not selected Not selected Selected Other (non-Hispanic) Refused No Refused Refused Refused Male Transactors Not selected Selected Know APR and have no balance 7023 14528 1.39557 2 7 2011 South Landline RDD Unqualified No No 45 to 49 Completed high school Yes 1 No Selected Selected Selected Selected Selected Not selected Not selected Other (non-Hispanic) Excellent $15K to less than $20K One Male Not selected Not Selected 7235 33116 1.42104 2 7 2011 West Landline RDD Unqualified No Yes You decided to close the account and make purchases in other ways such as with a debit card 55 to 59 Completed grade school or less Yes 3 No Not selected Not selected Not selected Not selected Not selected Selected Not selected Other (non-Hispanic) Excellent Refused Don't know Female Not selected Not Selected 7215 14318 0.54045 2 7 2011 South Landline RDD Qualified Transactors Yes Two More than Six Times You always pay your credit card balances in full on all your cards 3000 Don't know No No No No No Don't know Don't know Yes No The Same Very fairly Somewhat Satisfied Somewhat Satisfied No No Not at all Familiar 35 to 44 Completed college Yes 3 No Not selected Not selected Not selected Selected Not selected Not selected Not selected Asian/Pacific Islander (non-Hispanic) Excellent No You could probably NOT come up with $2000 $100K or more Two Male Transactors Not selected Selected Don't know APR and have no balance 7210 17806 0.21066 2 7 2011 South Landline RDD Qualified Transactors Yes Two More than Six Times You always pay your credit card balances in full on all your cards 0 Don't know No Don't know No Don't know Don't know No Don't know No No The Same Very fairly Somewhat Dissatisfied Extremely Satisfied No No Not at all Familiar 75 to 84 Post graduate work Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $25K to less than $30K Three or more Male Transactors Not selected Selected Don't know APR and have no balance 3703 24461 1.03745 2 7 2011 South Landline RDD Unqualified No Yes You decided to close the account and make purchases in other ways such as with a debit card 75 to 84 Completed grade school or less Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair $15K to less than $20K One Male Not selected Not Selected 6737 25742 0.89981 2 7 2011 South Landline RDD Qualified Transactors Yes Four or More More than Six Times You always pay your credit card balances in full on all your cards 0 Yes 20.9 Yes Selected Not selected Not selected Not selected Not selected Not selected Yes No Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Yes Not selected Not selected Selected Not selected Not selected Yes Yes The Same Somewhat fairly Somewhat Satisfied Somewhat Satisfied No Yes 1 You saw an advertisement on the Internet You shopped around and compared several different cards before selecting the card(s) for which you applied Somewhat easy 5 - Extremely important 5 - Extremely Important 3 3 5 - Extremely Important 3 Don't know Somewhat Familiar Somewhat helpful 25 to 34 Completed college Yes 3 Yes Selected Not selected Not selected Not selected Not selected Not selected Not selected Hispanic Excellent No You are certain you could come up with the full $2000 $100K or more One Male Transactors Not selected Selected Know APR and have no balance 6591 32722 0.43265 2 7 2011 South Landline RDD Unqualified Yes Don't know You do not use any of your general purpose credit cards No 75 to 84 Completed high school No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good $30K to less than $40K Two Female Not selected Not Selected 7248 16216 0.89981 2 7 2011 South Landline RDD Qualified Transactors Yes Two More than Six Times You always pay your credit card balances in full on all your cards 0 Yes 18 No Yes No Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected No Yes No Not selected Selected Not selected Not selected Not selected Yes No The Same Very fairly Neither Satisfied nor Dissatisfied Somewhat Satisfied No No Not Very Familiar Neither helpful nor unhelpful Under 25 Completed college No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You could probably NOT come up with $2000 $50K to less than $75K One Male Transactors Not selected Selected Know APR and have no balance 6670 19727 1.06447 2 7 2011 Midwest Landline RDD Qualified Transactors Yes One Five or Six Times You always pay your credit card balances in full on all your cards 0 Yes 12 No No No No Yes Yes No Selected Not selected Not selected Not selected Not selected No Yes Less Somewhat unfairly Somewhat Dissatisfied Somewhat Dissatisfied No No Not Very Familiar Somewhat unhelpful 35 to 44 Completed college Yes 4 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Poor No You are certain you could come up with the full $2000 $100K or more One Male Transactors Not selected Selected Know APR and have no balance 6485 23926 1.03451 2 7 2011 South Landline RDD Qualified Revolvers - large balance Yes Three You do not use any of your general purpose credit cards Yes $5000 or more You usually pay the same AMOUNT each month 0 0 Yes 0 Yes Selected Selected Selected Not selected Not selected Not selected Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Yes Not selected Not selected Selected Not selected Not selected Yes Yes The Same Very fairly Somewhat Satisfied Somewhat Satisfied Yes No Very Familiar Somewhat helpful 25 to 34 Completed college Yes 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You could probably come up with $2000 $75K to less than $100K One Female Revolvers Not selected Selected Know both interest paid and APR 6589 20419 0.56081 2 7 2011 South Landline RDD Qualified Revolvers - small balance Yes Two Once or Twice You sometimes pay your credit card balances in full and sometimes carry a balance from month to month Less than $500 The amount and percentage of the bill that you pay each month varies from month to month 20 30 Yes 6.9 No Yes No No Selected Not selected Not selected Not selected Not selected Not selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected Yes No Less Neither fairly nor unfairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No No Not at all Familiar 25 to 34 Post graduate work Yes 5 No Not selected Selected Not selected Not selected Not selected Not selected Not selected Black/African-American (non-Hispanic) Fair No You are certain you could come up with the full $2000 $40K to less than $50K Two Female Revolvers Selected Selected Know both interest paid and APR 5920 28486 0.35718 2 7 2011 South Landline RDD Unqualified No No Under 25 Completed high school No 6 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent $30K to less than $40K Three or more Male Not selected Not Selected 7247 29601 0.27492 2 7 2011 South Landline RDD Qualified Transactors Yes One More than Six Times You always pay your credit card balances in full on all your cards 0 Yes 26 Yes Selected Selected Selected Selected Not selected Not selected Yes Yes Don't know Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Don't know Not selected Not selected Selected Not selected Not selected Yes Yes The Same Very fairly Somewhat Satisfied Don't know No No Very Familiar Somewhat helpful 60 to 64 Post graduate work Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more Three or more Female Transactors Not selected Selected Know APR and have no balance 7279 27776 0.48779 2 7 2011 South Landline RDD Unqualified No No 25 to 34 Completed college Yes 5 No Not selected Selected Not selected Not selected Not selected Not selected Not selected Black/African-American (non-Hispanic) Good $50K to less than $75K Two Male Not selected Not Selected 7264 31144 0.28044 2 7 2011 Midwest Landline RDD Qualified Transactors Yes Two Five or Six Times You always pay your credit card balances in full on all your cards 0 Yes 21 No Don't know Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Yes Not selected Not selected Selected Not selected Not selected Yes Yes The Same Very fairly Somewhat Satisfied Somewhat Satisfied No No Not Very Familiar Somewhat helpful 55 to 59 Completed high school Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You are certain you could come up with the full $2000 $50K to less than $75K Three or more Male Transactors Not selected Selected Know APR and have no balance 5755 32914 0.71738 2 7 2011 South Landline RDD Qualified Transactors Yes Two More than Six Times You always pay your credit card balances in full on all your cards 95 Yes 18 No Yes Don't know Don't know Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Don't know Yes No Not selected Not selected Selected Not selected Not selected Yes Don't know Less Somewhat unfairly Extremely Dissatisfied Neither Satisfied nor Dissatisfied No No Not at all Familiar 60 to 64 Post graduate work Yes 3 No Not selected Not selected Not selected Not selected Not selected Selected Not selected Other (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more One Male Transactors Not selected Selected Know APR and have no balance 3407 29953 0.86529 2 7 2011 South Landline RDD Qualified Revolvers - small balance Yes One Once or Twice You sometimes pay your credit card balances in full and sometimes carry a balance from month to month Less than $500 You usually pay the same PERCENTAGE of the bill each month Don't know 1500 Don't know No Don't know Don't know Don't know Don't know Yes No Selected Not selected Not selected Not selected Not selected Yes Yes The Same Very fairly Somewhat Satisfied Extremely Satisfied No No Very Familiar Very helpful 85 or older Completed high school Yes 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 Don't know Don't know Female Revolvers Not selected Selected Know neither interest paid nor APR 6821 33127 0.75262 2 7 2011 South Landline RDD Unqualified No No 70 to 74 Completed high school Yes 2 No Selected Not selected Selected Not selected Not selected Not selected Not selected Other (non-Hispanic) Don't know $15K to less than $20K One Male Not selected Not Selected 3428 17663 1.45743 2 7 2011 Midwest Landline RDD Unqualified No Yes You decided to close the account and make purchases in other ways such as with a debit card Refused Completed high school Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Don't know Refused One Female Not selected Not Selected 1082 24628 0.7266 2 7 2011 South Landline RDD Qualified Transactors Yes Three Five or Six Times You always pay your credit card balances in full on all your cards 0 Don't know Yes Not selected Not selected Not selected Not selected Selected Not selected Yes Don't know Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Don't know Don't know Not selected Not selected Selected Not selected Not selected No No The Same Very fairly Neither Satisfied nor Dissatisfied Somewhat Satisfied No No Not at all Familiar 75 to 84 Completed college Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more One Female Transactors Not selected Selected Don't know APR and have no balance 3304 22789 0.85215 2 7 2011 Midwest Landline RDD Qualified Transactors Yes Four or More More than Six Times You always pay your credit card balances in full on all your cards 0 Yes 0 No Yes Don't know Don't know Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Don't know Yes No Not selected Not selected Selected Not selected Not selected Don't know Yes The Same Very fairly Don't know Don't know No No Not at all Familiar 70 to 74 Completed high school Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 Refused Refused Female Transactors Not selected Selected Know APR and have no balance 2937 29236 1.08089 2 7 2011 South Landline RDD Qualified Revolvers - small balance Yes Four or More Three or Four Times You sometimes pay your credit card balances in full and sometimes carry a balance from month to month Less than $500 The amount and percentage of the bill that you pay each month varies from month to month 25 0 Yes 9 No Yes Yes Yes Not selected Selected Not selected Not selected Not selected Not selected Not selected Not selected Yes Yes Don't know Not selected Not selected Selected Not selected Not selected Yes Yes The Same Very fairly Somewhat Satisfied Somewhat Satisfied No No Not Very Familiar Very helpful Refused Completed college Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $50K to less than $75K One Male Revolvers Selected Selected Know both interest paid and APR 3815 23510 0.81225 2 7 2011 Midwest Landline RDD Qualified Revolvers - large balance Yes Two More than Six Times You sometimes pay your credit card balances in full and sometimes carry a balance from month to month $5000 or more The amount and percentage of the bill that you pay each month varies from month to month 1000 45 Yes 0.8 No No No Yes Not selected Selected Not selected Not selected Not selected Not selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected No Yes More Neither fairly nor unfairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No No Not at all Familiar 55 to 59 "Some college, not completed" Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more One Female Revolvers Selected Selected Know both interest paid and APR 3089 19267 0.85431 2 7 2011 South Landline RDD Unqualified No No 55 to 59 Completed high school No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair $15K to less than $20K One Male Not selected Not Selected 7285 19073 0.60664 2 7 2011 Midwest Landline RDD Unqualified No No 25 to 34 Completed high school No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good Under $15K Two Female Not selected Not Selected 603 16171 0.86529 2 7 2011 South Landline RDD Qualified Transactors Yes One More than Six Times You always pay your credit card balances in full on all your cards 0 Yes 0 No Yes Yes No Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected Yes Yes The Same Very fairly Extremely Satisfied Extremely Satisfied No No Not Very Familiar Somewhat helpful 85 or older Completed high school No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You are certain you could come up with the full $2000 $15K to less than $20K One Female Transactors Not selected Selected Know APR and have no balance 856 32641 1.0188 2 7 2011 Midwest Landline RDD Qualified Transactors Yes One Once or Twice You always pay your credit card balances in full on all your cards 0 Don't know No Don't know Don't know Don't know Don't know Yes Don't know Not selected Not selected Selected Not selected Not selected No Don't know Less Somewhat unfairly Neither Satisfied nor Dissatisfied Don't know No No Not Very Familiar Neither helpful nor unhelpful 25 to 34 Completed college Yes 4 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $75K to less than $100K One Female Transactors Not selected Selected Don't know APR and have no balance 868 22840 0.35325 2 7 2011 Midwest Landline RDD Qualified Transactors Yes Two More than Six Times You always pay your credit card balances in full on all your cards 0 Yes 0 No Don't know Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected Yes Yes The Same Somewhat fairly Somewhat Satisfied Extremely Dissatisfied No No Not at all Familiar 60 to 64 Completed college Yes 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more Two Male Transactors Not selected Selected Know APR and have no balance 5142 29838 1.13449 2 7 2011 West Landline RDD Qualified Transactors Yes Two More than Six Times You always pay your credit card balances in full on all your cards 0 Yes 12 No No No Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected No No Less Neither fairly nor unfairly Somewhat Dissatisfied Neither Satisfied nor Dissatisfied No No Not Very Familiar Neither helpful nor unhelpful 45 to 49 "Some college, not completed" Yes 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 Refused One Male Transactors Not selected Selected Know APR and have no balance 2394 21900 0.62239 2 7 2011 Midwest Landline RDD Unqualified No No 75 to 84 "Some college, not completed" No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent $15K to less than $20K One Male Not selected Not Selected 6033 18411 1.60449 2 7 2011 South Landline RDD Unqualified No No 35 to 44 Completed high school Yes 1 No Selected Selected Selected Not selected Not selected Not selected Not selected Other (non-Hispanic) Poor Under $15K One Female Not selected Not Selected 4372 32282 0.86567 2 7 2011 West Landline RDD Qualified Transactors Yes Four or More More than Six Times You always pay your credit card balances in full on all your cards 100 Yes 0 No Yes Don't know Yes Not selected Not selected Not selected Selected Not selected Not selected Not selected Not selected Yes No No Selected Not selected Not selected Not selected Not selected Yes Yes More Very fairly Somewhat Satisfied Somewhat Satisfied No No Somewhat Familiar Neither helpful nor unhelpful 50 to 54 Completed college No 5 No Not selected Not selected Not selected Not selected Not selected Not selected Selected Other (non-Hispanic) Excellent No You could probably come up with $2000 $40K to less than $50K One Female Transactors Not selected Selected Know APR and have no balance 32 29036 0.85215 2 7 2011 Midwest Landline RDD Unqualified No Yes You fell behind on your payments and the bank closed your account 65 to 69 Completed high school Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Don't know Under $15K One Female Not selected Not Selected 3623 15274 0.86529 2 7 2011 South Landline RDD Qualified Revolvers - medium balance Yes Don't know You do not use any of your general purpose credit cards Yes $1000 to $1999 The amount and percentage of the bill that you pay each month varies from month to month Don't know 0 Yes 1.99 No Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected No Yes The Same Somewhat fairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied Yes No Somewhat Familiar Neither helpful nor unhelpful 65 to 69 Completed high school No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $50K to less than $75K One Female Revolvers Not selected Selected Know APR but not interest paid 1802 26464 0.46907 2 7 2011 South Landline RDD Qualified Revolvers - large balance Yes Three Refused You usually carry a balance from month to month on at least one of your cards $5000 or more You usually pay only the MINIMUM AMOUNT due each month Don't know 0 Don't know Yes Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Yes Selected Selected Not selected Selected Not selected Not selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected Yes Don't know Less Somewhat unfairly Extremely Dissatisfied Extremely Dissatisfied No No Not at all Familiar 75 to 84 Completed high school No 2 No Not selected Selected Not selected Not selected Not selected Not selected Not selected Black/African-American (non-Hispanic) Good No You are certain you could NOT raise the full $2000 $15K to less than $20K Two Female Revolvers Selected Selected Know neither interest paid nor APR 7306 31994 0.81225 2 7 2011 Midwest Landline RDD Qualified Revolvers - medium balance Yes Two Three or Four Times You usually carry a balance from month to month on at least one of your cards $1000 to $1999 You usually pay the same AMOUNT each month 300 200 Yes 8.9 Yes Not selected Not selected Selected Not selected Not selected Not selected Yes No Yes Selected Not selected Not selected Selected Not selected Not selected Not selected Not selected Yes No No Selected Not selected Not selected Not selected Not selected Yes Yes Less Somewhat unfairly Somewhat Dissatisfied Somewhat Dissatisfied No No Not Very Familiar Neither helpful nor unhelpful 55 to 59 "Some college, not completed" Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair No You could probably come up with $2000 $50K to less than $75K One Female Revolvers Selected Selected Know both interest paid and APR 3784 31258 0.74119 2 7 2011 Midwest Landline RDD Unqualified No No 70 to 74 Completed high school Yes 2 No Selected Not selected Not selected Selected Not selected Not selected Not selected Other (non-Hispanic) Don't know Refused One Male Not selected Not Selected 4590 33600 0.86567 2 7 2011 West Landline RDD Qualified Transactors Yes Two Once or Twice You always pay your credit card balances in full on all your cards 15 Yes 15 No No Don't know Yes Not selected Not selected Selected Not selected Not selected Not selected Not selected Not selected Yes Yes Yes Not selected Selected Not selected Not selected Not selected Yes No Less Very fairly Neither Satisfied nor Dissatisfied Somewhat Satisfied No No Somewhat Familiar Somewhat helpful 60 to 64 Post graduate work Yes 4 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You could probably come up with $2000 $50K to less than $75K One Female Transactors Selected Selected Know APR and have no balance 434 16484 0.9822 2 7 2011 South Landline RDD Qualified Revolvers - medium balance Yes One Once or Twice You sometimes pay your credit card balances in full and sometimes carry a balance from month to month $1000 to $1999 The amount and percentage of the bill that you pay each month varies from month to month 250 0 Yes 12 Yes Selected Not selected Not selected Not selected Not selected Not selected Yes Yes Yes Selected Selected Selected Selected Not selected Not selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected No No The Same Very fairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied Yes Yes 1 You received something in the mail or via e-mail about the card(s) "You applied for card/cards that read/heard about and seemed attractive, but did not do a lot of comparative shopping" 5 - Extremely important 5 - Extremely Important 1 - Not at all important 1 - Not at all important 5 - Extremely Important 1 - Not at all important The introductory interest rate on balance transfers and/or purchases Somewhat Familiar Somewhat helpful 50 to 54 Completed high school Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more One Female Revolvers Selected Selected Know both interest paid and APR 7337 22870 0.23912 2 7 2011 South Landline RDD Unqualified No Yes You decided to close the account and make purchases in other ways such as with a debit card 50 to 54 "Some college, not completed" No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent Refused Three or more Male Not selected Not Selected 7338 14634 1.47708 2 7 2011 South Landline RDD Unqualified No No 25 to 34 "Some high school, not completed" No 5 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Poor Under $15K One Male Not selected Not Selected 7344 29532 0.77517 2 7 2011 West Landline RDD Unqualified No No 25 to 34 "Some high school, not completed" Yes 6 No Not selected Not selected Selected Not selected Not selected Not selected Not selected American Indian or Alaska Native (non-Hispanic) Good Under $15K Two Male Not selected Not Selected 1301 14180 0.33167 2 7 2011 West Landline RDD Qualified Yes Two More than Six Times Don't know Don't know Don't know 0 0 Refused No Refused Don't know No Yes Yes No Not selected Not selected Selected Not selected Not selected Yes Yes The Same Very fairly Somewhat Satisfied Refused No No Very Familiar Very helpful 85 or older "Some college, not completed" Refused 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You could probably come up with $2000 Refused Two Male Not selected Selected Refused at least one of the two questions 7324 22502 1.06447 2 7 2011 Midwest Landline RDD Qualified Yes Two Three or Four Times You sometimes pay your credit card balances in full and sometimes carry a balance from month to month Don't know The amount and percentage of the bill that you pay each month varies from month to month 1000 0 Yes 10 Yes Not selected Not selected Selected Not selected Not selected Not selected Don't know Don't know No Yes Yes Don't know Not selected Not selected Selected Not selected Not selected No Yes Less Somewhat unfairly Neither Satisfied nor Dissatisfied Somewhat Dissatisfied No No Somewhat Familiar Somewhat unhelpful 45 to 49 Completed college Yes 4 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more One Male Not selected Selected Know both interest paid and APR 7354 22129 1.30432 2 7 2011 West Landline RDD Unqualified No Yes You decided to close the account and make purchases in other ways such as with a debit card 45 to 49 Completed college Yes 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent $75K to less than $100K One Female Not selected Not Selected 1390 27731 0.25098 2 7 2011 West Landline RDD Qualified Transactors Yes Two More than Six Times You always pay your credit card balances in full on all your cards Don't know Yes 9.9 No Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Don't know Yes No Not selected Not selected Selected Not selected Not selected Yes Yes More Neither fairly nor unfairly Extremely Dissatisfied Neither Satisfied nor Dissatisfied No No Not Very Familiar Somewhat helpful 60 to 64 "Some college, not completed" Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 Refused Three or more Male Transactors Not selected Selected Know APR and have no balance 7339 15196 0.85431 2 7 2011 South Landline RDD Qualified Revolvers - small balance Yes Two Once or Twice You sometimes pay your credit card balances in full and sometimes carry a balance from month to month Less than $500 The amount and percentage of the bill that you pay each month varies from month to month Don't know 0 Yes 21 No Yes Yes No Selected Not selected Not selected Not selected Not selected Not selected Not selected Not selected Yes Yes No Selected Not selected Not selected Not selected Not selected Yes Yes The Same Very fairly Extremely Satisfied Somewhat Satisfied No No Very Familiar Very helpful 55 to 59 Completed high school Yes 2 No Selected Not selected Selected Not selected Not selected Not selected Not selected Other (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $75K to less than $100K One Male Revolvers Selected Selected Know APR but not interest paid 7371 60732 0.75262 2 7 2011 South Landline RDD Unqualified No Yes Don't know 85 or older Completed high school No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair $30K to less than $40K One Male Not selected Not Selected 7389 66908 0.82478 2 7 2011 South Landline RDD Unqualified Refused Yes You decided to close the account and make purchases in other ways such as with a debit card 55 to 59 Post graduate work Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent Don't know One Female Not selected Not Selected 7402 51734 0.62136 2 7 2011 South Landline RDD Unqualified No Yes You closed some accounts and other accounts were closed by the bank 35 to 44 Post graduate work No 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Poor $20K to less than $25K Two Female Not selected Not Selected 7442 54127 1.33569 2 7 2011 South Landline RDD Unqualified No No 25 to 34 Completed high school No 4 No Not selected Selected Not selected Not selected Not selected Not selected Not selected Black/African-American (non-Hispanic) Fair Under $15K One Female Not selected Not Selected 7367 65835 0.89421 2 7 2011 South Landline RDD Qualified Revolvers - large balance Yes Two More than Six Times You usually carry a balance from month to month on at least one of your cards $5000 or more The amount and percentage of the bill that you pay each month varies from month to month 19 175 Yes 29 No Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Don't know Selected Not selected Not selected Not selected Not selected Yes Yes More Somewhat fairly Somewhat Satisfied Somewhat Satisfied Yes No Very Familiar Very helpful 55 to 59 "Some college, not completed" Yes 2 No Not selected Selected Not selected Not selected Not selected Not selected Not selected Black/African-American (non-Hispanic) Good Yes You could probably come up with $2000 $40K to less than $50K One Female Revolvers Not selected Selected Know both interest paid and APR 7413 48604 1.03745 2 7 2011 South Landline RDD Unqualified No No 70 to 74 "Some high school, not completed" Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair $20K to less than $25K One Male Not selected Not Selected 7474 65986 0.73855 2 7 2011 South Landline RDD Unqualified No No Under 25 "Some high school, not completed" No 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good $25K to less than $30K Two Male Not selected Not Selected 7362 50681 0.82478 2 7 2011 South Landline RDD Qualified Transactors Yes Four or More More than Six Times You always pay your credit card balances in full on all your cards 0 Don't know Yes Not selected Not selected Selected Not selected Not selected Not selected Yes No Yes Not selected Not selected Not selected Selected Not selected Not selected Not selected Not selected Yes No No Selected Not selected Not selected Not selected Not selected No No Less Very fairly Extremely Dissatisfied Neither Satisfied nor Dissatisfied No No Somewhat Familiar Neither helpful nor unhelpful 55 to 59 "Some college, not completed" Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You could probably come up with $2000 $75K to less than $100K One Female Transactors Not selected Selected Don't know APR and have no balance 7357 61615 0.36331 2 7 2011 South Landline RDD Qualified Transactors Yes Four or More More than Six Times You always pay your credit card balances in full on all your cards 0 Don't know Yes Not selected Not selected Not selected Not selected Selected Not selected Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes No No Not selected Not selected Selected Not selected Not selected Yes Yes Less Very fairly Somewhat Dissatisfied Somewhat Dissatisfied No No Somewhat Familiar Somewhat helpful 65 to 69 "Some college, not completed" No 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more Two Female Transactors Not selected Selected Don't know APR and have no balance 7489 15106 0.41239 2 7 2011 South Landline RDD Unqualified No Yes You decided to close the account and make purchases in other ways such as with a debit card 60 to 64 Completed college No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good $15K to less than $20K Two Female Not selected Not Selected 7469 60110 0.71738 2 7 2011 South Landline RDD Qualified Transactors Yes Four or More Three or Four Times You always pay your credit card balances in full on all your cards 0 Don't know Yes Not selected Not selected Not selected Not selected Selected Not selected Don't know Don't know Don't know Yes Yes No Not selected Not selected Selected Not selected Not selected Yes Yes Less Very fairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No No Somewhat Familiar Neither helpful nor unhelpful 55 to 59 "Some college, not completed" Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $75K to less than $100K One Male Transactors Not selected Selected Don't know APR and have no balance 7477 24768 0.41239 2 7 2011 South Landline RDD Qualified Revolvers - large balance Yes Two More than Six Times You sometimes pay your credit card balances in full and sometimes carry a balance from month to month $4000 to $4999 The amount and percentage of the bill that you pay each month varies from month to month 100 35 Yes 8.6 No Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Don't know Not selected Not selected Selected Not selected Not selected No No The Same Neither fairly nor unfairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No No Not Very Familiar Neither helpful nor unhelpful 55 to 59 Post graduate work Yes 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $75K to less than $100K Two Female Revolvers Not selected Selected Know both interest paid and APR 7585 54427 0.78934 2 7 2011 Northeast Landline RDD Unqualified No No 55 to 59 Completed college Yes 5 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent $100K or more One Male Not selected Not Selected 7582 60271 1.17905 2 7 2011 Northeast Landline RDD Unqualified No No Under 25 Completed high school No 4 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent $100K or more One Male Not selected Not Selected 7503 66470 0.3025 2 7 2011 Northeast Landline RDD Qualified Transactors Yes Four or More More than Six Times You always pay your credit card balances in full on all your cards 0 Don't know Yes Not selected Not selected Selected Not selected Not selected Not selected Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Don't know Not selected Not selected Selected Not selected Not selected Yes Yes The Same Very fairly Somewhat Satisfied Extremely Dissatisfied No No Very Familiar Neither helpful nor unhelpful 50 to 54 Completed college Yes 2 No Not selected Not selected Not selected Not selected Not selected Not selected Selected Other (non-Hispanic) Excellent No You are certain you could come up with the full $2000 Refused Three or more Female Transactors Not selected Selected Don't know APR and have no balance 7537 59004 0.99007 2 7 2011 Northeast Landline RDD Qualified Revolvers - medium balance Yes Two Once or Twice You usually carry a balance from month to month on at least one of your cards $1000 to $1999 You usually pay the same AMOUNT each month Don't know 0 Yes 15 Yes Selected Not selected Not selected Not selected Not selected Not selected Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Don't know Not selected Not selected Selected Not selected Not selected Yes Yes The Same Somewhat fairly Somewhat Satisfied Somewhat Satisfied No No Not Very Familiar Don't know 25 to 34 Completed college No 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair Yes You could probably come up with $2000 $50K to less than $75K One Male Revolvers Not selected Selected Know APR but not interest paid 7589 53431 0.69539 2 7 2011 Northeast Landline RDD Unqualified No Yes Other 65 to 69 Completed college Yes 2 No Selected Not selected Selected Not selected Not selected Not selected Not selected Other (non-Hispanic) Good $40K to less than $50K One Male Not selected Not Selected 7618 17103 0.82812 2 7 2011 Northeast Landline RDD Unqualified No Yes You decided to close the account and make purchases in other ways such as with a debit card 65 to 69 Completed high school Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good $25K to less than $30K One Male Not selected Not Selected 7530 59506 0.78934 2 7 2011 Northeast Landline RDD Qualified Transactors Yes Two More than Six Times You always pay your credit card balances in full on all your cards 0 Don't know Don't know Yes Don't know Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Don't know Not selected Not selected Selected Not selected Not selected No No Less Somewhat fairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No No Somewhat Familiar Neither helpful nor unhelpful 55 to 59 Post graduate work Yes 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $50K to less than $75K One Male Transactors Not selected Selected Don't know APR and have no balance 7574 47886 0.27604 2 7 2011 Northeast Landline RDD Qualified Transactors Yes Two More than Six Times You always pay your credit card balances in full on all your cards 0 Yes 0.24 Yes Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected Yes Yes The Same Very fairly Somewhat Satisfied Somewhat Satisfied No No Not at all Familiar 75 to 84 Completed high school No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You could probably come up with $2000 $20K to less than $25K Three or more Male Transactors Not selected Selected Know APR and have no balance 7620 26089 0.90751 2 7 2011 Northeast Landline RDD Qualified Transactors Yes Two More than Six Times You always pay your credit card balances in full on all your cards 0 Don't know No Yes No Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected No No The Same Somewhat fairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No No Somewhat Familiar Somewhat helpful 60 to 64 Post graduate work Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more One Female Transactors Not selected Selected Don't know APR and have no balance 7652 27210 0.81119 2 7 2011 Northeast Landline RDD Unqualified No No 45 to 49 "Some high school, not completed" No 3 No Not selected Selected Not selected Not selected Not selected Not selected Not selected Black/African-American (non-Hispanic) Refused Under $15K Three or more Female Not selected Not Selected 7619 30303 0.79949 2 7 2011 Northeast Landline RDD Qualified Revolvers - large balance Yes Two Once or Twice You usually carry a balance from month to month on at least one of your cards $5000 or more The amount and percentage of the bill that you pay each month varies from month to month 6000 Don't know Yes 18 Yes Not selected Not selected Not selected Not selected Selected Not selected Yes Yes Yes Selected Not selected Selected Not selected Not selected Not selected Not selected Not selected Yes Yes Yes Not selected Not selected Selected Not selected Not selected Yes Yes Less Somewhat fairly Somewhat Dissatisfied Somewhat Dissatisfied No No Somewhat Familiar Somewhat helpful 65 to 69 "Some college, not completed" Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair No You are certain you could come up with the full $2000 $30K to less than $40K One Female Revolvers Selected Selected Know both interest paid and APR 7674 21029 0.69539 2 7 2011 Northeast Landline RDD Unqualified No Yes You closed some accounts and other accounts were closed by the bank 65 to 69 Completed college No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Don't know $50K to less than $75K One Male Not selected Not Selected 7677 25260 0.26311 2 7 2011 Northeast Landline RDD Unqualified No Yes You fell behind on your payments and the bank closed your account 60 to 64 "Some college, not completed" Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair $30K to less than $40K Three or more Male Not selected Not Selected 7642 28690 0.99007 2 7 2011 Northeast Landline RDD Qualified Transactors Yes One Once or Twice You always pay your credit card balances in full on all your cards 0 Don't know No Don't know Don't know Don't know Yes Yes Don't know Not selected Not selected Selected Not selected Not selected Yes Yes More Somewhat fairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No Yes 1 Other You shopped around and compared several different cards before selecting the card(s) for which you applied Very easy 1 - Not at all important 3 4 4 5 - Extremely Important 5 - Extremely Important The fees charged on the card Somewhat Familiar Neither helpful nor unhelpful 25 to 34 Post graduate work Yes 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You could probably come up with $2000 $100K or more One Male Transactors Not selected Selected Don't know APR and have no balance 7587 53292 1.18932 2 7 2011 Northeast Landline RDD Qualified Transactors Yes Three More than Six Times You always pay your credit card balances in full on all your cards 0 Yes 25 Yes Selected Selected Selected Not selected Not selected Not selected Yes No Yes Not selected Not selected Not selected Selected Not selected Not selected Not selected Not selected Yes No Don't know Not selected Not selected Selected Not selected Not selected No No The Same Somewhat fairly Somewhat Dissatisfied Somewhat Satisfied No No Not at all Familiar 35 to 44 Post graduate work Yes 4 No Not selected Not selected Not selected Selected Not selected Not selected Not selected Asian/Pacific Islander (non-Hispanic) Good No You could probably come up with $2000 $75K to less than $100K One Male Transactors Not selected Selected Know APR and have no balance 7657 17984 0.3025 2 7 2011 Northeast Landline RDD Qualified Revolvers - small balance Yes Three Once or Twice Other Less than $500 The amount and percentage of the bill that you pay each month varies from month to month 0 0 Don't know No Don't know Don't know Don't know Yes Yes No Not selected Not selected Selected Not selected Not selected Don't know Yes Less Somewhat unfairly Somewhat Dissatisfied Neither Satisfied nor Dissatisfied No No Not Very Familiar Somewhat helpful 50 to 54 Completed college Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You could probably come up with $2000 Don't know Three or more Female Revolvers Not selected Selected Know interest paid but not APR 7670 26134 1.18932 2 7 2011 Northeast Landline RDD Qualified Revolvers - large balance Yes One More than Six Times You sometimes pay your credit card balances in full and sometimes carry a balance from month to month $4000 to $4999 You usually pay the same AMOUNT each month 200 0 Yes 4 Yes Selected Not selected Not selected Not selected Not selected Not selected Yes No Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes No No Not selected Not selected Selected Not selected Not selected Yes Yes The Same Very fairly Somewhat Satisfied Somewhat Satisfied No No Somewhat Familiar Neither helpful nor unhelpful 35 to 44 Post graduate work No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $50K to less than $75K One Male Revolvers Not selected Selected Know both interest paid and APR 7701 17390 0.316 2 7 2011 South Landline RDD Qualified Transactors Yes One More than Six Times You always pay your credit card balances in full on all your cards 0 Don't know No Yes Don't know Don't know Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Don't know Don't know Don't know Yes Yes The Same Neither fairly nor unfairly Neither Satisfied nor Dissatisfied Refused No No Somewhat Familiar Neither helpful nor unhelpful 85 or older "Some college, not completed" No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $20K to less than $25K Two Male Transactors Not selected Selected Don't know APR and have no balance 7713 18677 0.82478 2 7 2011 South Landline RDD Qualified Transactors Yes Two Three or Four Times You always pay your credit card balances in full on all your cards 30 Yes 18.75 Yes Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Don't know Yes Not selected Selected Not selected Not selected Not selected Yes Yes The Same Neither fairly nor unfairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No No Somewhat Familiar Very helpful 55 to 59 Post graduate work Yes 4 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $75K to less than $100K One Female Transactors Not selected Selected Know APR and have no balance 7724 25710 1.2872 2 7 2011 South Landline RDD Qualified Revolvers - small balance Yes One Once or Twice You sometimes pay your credit card balances in full and sometimes carry a balance from month to month Less than $500 The amount and percentage of the bill that you pay each month varies from month to month 0 50 Yes 21 No Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Yes Not selected Not selected Selected Not selected Not selected Yes Yes The Same Very fairly Neither Satisfied nor Dissatisfied Somewhat Satisfied No Yes 1 You received something in the mail or via e-mail about the card(s) "You applied for card/cards that read/heard about and seemed attractive, but did not do a lot of comparative shopping" 5 - Extremely important 5 - Extremely Important 3 3 5 - Extremely Important 3 The permanent interest rate after the end of the introductory period Somewhat Familiar Somewhat helpful 35 to 44 Completed high school Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You could probably come up with $2000 $40K to less than $50K One Male Revolvers Not selected Selected Know both interest paid and APR 7754 14502 1.14152 2 7 2011 Northeast Landline RDD Unqualified No Yes You decided to close the account and make purchases in other ways such as with a debit card 75 to 84 "Some high school, not completed" No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good Under $15K One Male Not selected Not Selected 7778 62332 0.75262 2 7 2011 South Landline RDD Unqualified No Yes Other 70 to 74 Completed high school No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good Under $15K One Male Not selected Not Selected 7695 19948 1.23197 2 7 2011 South Landline RDD Qualified Revolvers - small balance Yes Two Once or Twice You sometimes pay your credit card balances in full and sometimes carry a balance from month to month Less than $500 The amount and percentage of the bill that you pay each month varies from month to month 300 59 Yes 19 No Yes Yes Yes Selected Selected Not selected Selected Not selected Not selected Not selected Not selected Yes Yes Yes Selected Selected Not selected Not selected Not selected Yes Yes More Somewhat fairly Somewhat Dissatisfied Somewhat Dissatisfied No Yes 1 Other You shopped around and compared several different cards before selecting the card(s) for which you applied Somewhat easy 1 - Not at all important 3 3 4 5 - Extremely Important 5 - Extremely Important The fees charged on the card Not Very Familiar Somewhat unhelpful 25 to 34 Completed high school Yes 7 Yes Selected Not selected Not selected Not selected Not selected Not selected Not selected Hispanic Fair No You could probably come up with $2000 Refused One Female Revolvers Selected Selected Know both interest paid and APR 7780 50279 0.63199 2 7 2011 South Landline RDD Unqualified No Yes Don't know 75 to 84 Post graduate work No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good $20K to less than $25K One Male Not selected Not Selected 7773 16328 0.78934 2 7 2011 Northeast Landline RDD Unqualified No No 55 to 59 Completed college No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good Under $15K One Male Not selected Not Selected 7756 27197 0.39644 2 7 2011 Northeast Landline RDD Qualified Transactors Yes Four or More More than Six Times You always pay your credit card balances in full on all your cards 0 Yes 0 Yes Not selected Not selected Selected Not selected Not selected Not selected No No No Yes Yes No Not selected Not selected Selected Not selected Not selected No No The Same Neither fairly nor unfairly Somewhat Dissatisfied Somewhat Satisfied No No Somewhat Familiar Somewhat helpful 45 to 49 Completed college Yes 6 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You are certain you could come up with the full $2000 $100K or more Three or more Male Transactors Not selected Selected Know APR and have no balance 7735 54461 0.53671 2 7 2011 Northeast Landline RDD Qualified Revolvers - large balance Yes Four or More You do not use any of your general purpose credit cards Yes $5000 or more You usually pay only the MINIMUM AMOUNT due each month 1200 60 Yes 25 Yes Selected Not selected Not selected Not selected Not selected Not selected Yes Yes No Selected Selected Selected Selected Not selected Not selected Not selected Not selected Yes No No Not selected Not selected Selected Not selected Not selected Yes Yes Less Somewhat unfairly Extremely Dissatisfied Somewhat Satisfied No No Somewhat Familiar Very helpful 25 to 34 "Some college, not completed" Yes 4 No Not selected Selected Not selected Not selected Not selected Not selected Not selected Black/African-American (non-Hispanic) Good No You could probably NOT come up with $2000 $75K to less than $100K Two Male Revolvers Selected Selected Know both interest paid and APR 7770 16721 1.18932 2 7 2011 Northeast Landline RDD Qualified Transactors Yes Four or More More than Six Times You always pay your credit card balances in full on all your cards 0 Yes 12.99 Yes Selected Selected Not selected Not selected Not selected Not selected Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Yes Not selected Not selected Selected Not selected Not selected Yes Yes The Same Very fairly Somewhat Satisfied Somewhat Satisfied No No Very Familiar Somewhat helpful 35 to 44 Completed college Yes 4 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more One Male Transactors Not selected Selected Know APR and have no balance 7861 27234 0.37631 2 7 2011 South Landline RDD Unqualified No No 85 or older Completed high school No 4 No Not selected Not selected Not selected Not selected Not selected Not selected Selected Other (non-Hispanic) Good $100K or more Two Male Not selected Not Selected 7827 21133 0.316 2 7 2011 South Landline RDD Qualified Transactors Yes Two More than Six Times You always pay your credit card balances in full on all your cards Don't know Yes 18 No Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Yes Not selected Not selected Selected Not selected Not selected Yes Yes The Same Very fairly Somewhat Satisfied Extremely Satisfied No No Not Very Familiar Somewhat helpful 75 to 84 Refused Yes 2 No Selected Not selected Selected Selected Not selected Not selected Not selected Other (non-Hispanic) Good No You are certain you could come up with the full $2000 $40K to less than $50K Two Male Transactors Not selected Selected Know APR and have no balance 7829 30396 0.71738 2 7 2011 South Landline RDD Qualified Yes Two Three or Four Times You sometimes pay your credit card balances in full and sometimes carry a balance from month to month Don't know The amount and percentage of the bill that you pay each month varies from month to month 300 0 Yes 9 Yes Selected Not selected Not selected Not selected Not selected Not selected Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes No No Not selected Not selected Selected Not selected Not selected Yes Yes Less Neither fairly nor unfairly Somewhat Dissatisfied Neither Satisfied nor Dissatisfied No No Somewhat Familiar Somewhat helpful 50 to 54 Completed college Yes 4 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more One Male Not selected Selected Know both interest paid and APR 7906 27860 0.86567 2 7 2011 West Landline RDD Unqualified No Yes You fell behind on your payments and the bank closed your account 60 to 64 "Some college, not completed" No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Don't know $25K to less than $30K One Female Not selected Not Selected 7910 25626 1.08889 2 7 2011 West Landline RDD Unqualified No Yes Other Refused Completed grade school or less Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Don't know Refused One Male Not selected Not Selected 7833 21539 0.9822 2 7 2011 South Landline RDD Qualified Transactors Yes Two Three or Four Times You always pay your credit card balances in full on all your cards 0 Yes 0 Yes Not selected Selected Selected Not selected Not selected Not selected Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected Yes Yes More Somewhat fairly Somewhat Dissatisfied Somewhat Satisfied No No Somewhat Familiar Somewhat helpful 60 to 64 Completed high school Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $40K to less than $50K One Female Transactors Not selected Selected Know APR and have no balance 7894 48819 0.66333 2 7 2011 West Landline RDD Qualified Transactors Yes Two Three or Four Times You always pay your credit card balances in full on all your cards 0 Yes 13 No Yes Don't know Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes No Yes Not selected Selected Not selected Not selected Not selected Yes Yes More Somewhat fairly Neither Satisfied nor Dissatisfied Extremely Satisfied No No Somewhat Familiar Somewhat helpful 65 to 69 "Some college, not completed" No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $50K to less than $75K One Male Transactors Not selected Selected Know APR and have no balance 7873 31550 1.2427 2 7 2011 South Landline RDD Qualified Transactors Yes Two More than Six Times You always pay your credit card balances in full on all your cards 0 Yes 12 No Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Yes Selected Not selected Not selected Not selected Not selected Yes Yes Less Somewhat unfairly Neither Satisfied nor Dissatisfied Extremely Satisfied No Yes 1 Other You shopped around and compared several different cards before selecting the card(s) for which you applied Somewhat easy 1 - Not at all important 1 - Not at all important 5 - Extremely Important 5 - Extremely Important 1 - Not at all important 4 The rewards you could earn if you continue to use the card Not at all Familiar 35 to 44 Completed college Yes 4 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more One Female Transactors Not selected Selected Know APR and have no balance 7919 16210 0.34363 2 7 2011 West Landline RDD Unqualified No Yes You fell behind on your payments and the bank closed your account 50 to 54 Completed high school No 5 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Poor $30K to less than $40K Three or more Female Not selected Not Selected 7879 48519 0.86567 2 7 2011 West Landline RDD Qualified Revolvers - small balance Yes Refused You do not use any of your general purpose credit cards Yes Less than $500 The amount and percentage of the bill that you pay each month varies from month to month Don't know 0 Yes 13.9 Yes Selected Selected Selected Not selected Not selected Not selected Yes No Don't know Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Don't know Yes Yes Selected Not selected Not selected Not selected Not selected Yes Yes The Same Very fairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No No Somewhat Familiar Neither helpful nor unhelpful 55 to 59 Post graduate work No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You could probably come up with $2000 $75K to less than $100K One Female Revolvers Not selected Selected Know APR but not interest paid 7904 22320 0.56725 2 7 2011 West Landline RDD Qualified Transactors Yes Two More than Six Times You always pay your credit card balances in full on all your cards 0 Yes 18 No No No Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected No Yes No Not selected Not selected Selected Not selected Not selected Yes Don't know The Same Very fairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No No Not at all Familiar 35 to 44 Completed college Yes 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more Two Male Transactors Not selected Selected Know APR and have no balance 7885 64362 0.89667 2 7 2011 West Landline RDD Qualified Revolvers - large balance Yes Two Three or Four Times You usually carry a balance from month to month on at least one of your cards $5000 or more The amount and percentage of the bill that you pay each month varies from month to month 1500 0 Yes 18 No No Yes Yes Not selected Not selected Not selected Not selected Selected Not selected Not selected Not selected Yes Yes Don't know Selected Not selected Not selected Not selected Not selected Yes Yes More Neither fairly nor unfairly Somewhat Dissatisfied Somewhat Satisfied No No Not at all Familiar 50 to 54 Completed high school Yes 4 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You are certain you could come up with the full $2000 $100K or more One Male Revolvers Not selected Selected Know both interest paid and APR 7942 29034 0.9082 2 7 2011 West Landline RDD Unqualified Yes Two You do not use any of your general purpose credit cards No 85 or older Completed high school No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent Under $15K One Female Not selected Not Selected 7968 32256 0.75295 2 7 2011 West Landline RDD Unqualified Yes One You do not use any of your general purpose credit cards No 60 to 64 "Some college, not completed" Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent $40K to less than $50K One Male Not selected Not Selected 7921 26436 0.89667 2 7 2011 West Landline RDD Qualified Revolvers - small balance Yes Two Three or Four Times You sometimes pay your credit card balances in full and sometimes carry a balance from month to month $500 to $999 The amount and percentage of the bill that you pay each month varies from month to month 3 0 Yes 7 Yes Selected Not selected Selected Not selected Not selected Not selected Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Yes Not selected Not selected Selected Not selected Not selected Yes Yes Less Very fairly Extremely Dissatisfied Somewhat Dissatisfied Yes No Somewhat Familiar Neither helpful nor unhelpful 55 to 59 Completed high school Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $50K to less than $75K One Male Revolvers Not selected Selected Know both interest paid and APR 2372 30860 0.50941 2 7 2011 Midwest Landline RDD Unqualified No No 25 to 34 "Some college, not completed" No 5 No Not selected Not selected Not selected Not selected Not selected Selected Not selected Other (non-Hispanic) Excellent $75K to less than $100K Two Female Not selected Not Selected 8015 22822 1.62835 2 7 2011 Northeast Landline RDD Unqualified No Yes You decided to close the account and make purchases in other ways such as with a debit card 35 to 44 Completed high school Yes 6 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent $40K to less than $50K One Female Not selected Not Selected 4743 14393 0.8558 2 7 2011 Northeast Landline RDD Unqualified No Yes You decided to close the account and make purchases in other ways such as with a debit card 60 to 64 Post graduate work Yes 2 No Not selected Selected Not selected Not selected Not selected Not selected Not selected Black/African-American (non-Hispanic) Good $100K or more One Male Not selected Not Selected 8016 32758 0.90751 2 7 2011 Northeast Landline RDD Unqualified No Yes You decided to close the account and make purchases in other ways such as with a debit card 50 to 54 "Some college, not completed" No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good $20K to less than $25K One Female Not selected Not Selected 8014 54714 0.75295 2 7 2011 West Landline RDD Qualified Yes Two Once or Twice You sometimes pay your credit card balances in full and sometimes carry a balance from month to month Refused You usually pay the same AMOUNT each month Refused Refused Refused Yes Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes No Selected Not selected Not selected Not selected Not selected No No Less Somewhat unfairly Extremely Dissatisfied Somewhat Dissatisfied No No Not at all Familiar 60 to 64 "Some college, not completed" Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You could probably NOT come up with $2000 Refused One Male Not selected Selected Refused at least one of the two questions 8026 22848 0.69539 2 7 2011 Northeast Landline RDD Qualified Transactors Yes Three More than Six Times You always pay your credit card balances in full on all your cards 0 Don't know No Don't know Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected No Yes Don't know Not selected Not selected Selected Not selected Not selected Don't know Don't know The Same Somewhat fairly Somewhat Satisfied Somewhat Satisfied No No Somewhat Familiar Somewhat helpful 65 to 69 Post graduate work Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more One Male Transactors Not selected Selected Don't know APR and have no balance 8047 22344 0.93814 2 7 2011 South Landline RDD Unqualified No No 70 to 74 Completed high school Yes 2 No Not selected Selected Not selected Not selected Not selected Not selected Not selected Black/African-American (non-Hispanic) Excellent $30K to less than $40K One Female Not selected Not Selected 8053 23633 0.3025 2 7 2011 Northeast Landline RDD Unqualified No Yes You decided to close the account and make purchases in other ways such as with a debit card 60 to 64 Completed college Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent Refused Three or more Female Not selected Not Selected 8055 19870 1.36736 2 7 2011 Northeast Landline RDD Unqualified No No 35 to 44 "Some college, not completed" Yes 8 No Selected Not selected Not selected Selected Not selected Not selected Not selected Other (non-Hispanic) Poor Under $15K One Female Not selected Not Selected 6233 26302 1.36736 2 7 2011 Northeast Landline RDD Qualified Transactors Yes Four or More More than Six Times You always pay your credit card balances in full on all your cards 0 Don't know Yes Not selected Not selected Not selected Selected Not selected Not selected No No Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected No No No No No The Same Very fairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No No Not at all Familiar 45 to 49 Post graduate work No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You are certain you could come up with the full $2000 Refused One Female Transactors Not selected Selected Don't know APR and have no balance 4932 18271 0.3025 2 7 2011 Northeast Landline RDD Qualified Transactors Yes Four or More Three or Four Times You always pay your credit card balances in full on all your cards 25 Yes 21 Yes Not selected Not selected Selected Not selected Not selected Not selected Yes No No Not selected Not selected Not selected Not selected Selected Not selected Not selected Not selected No Don't know Don't know Yes No The Same Somewhat fairly Somewhat Dissatisfied Somewhat Dissatisfied No No Somewhat Familiar Somewhat helpful 50 to 54 Post graduate work Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more Three or more Female Transactors Not selected Selected Know APR and have no balance 8057 20035 1.36736 2 7 2011 Northeast Landline RDD Qualified Revolvers - large balance Yes Four or More More than Six Times You usually carry a balance from month to month on at least one of your cards $5000 or more You usually pay the same AMOUNT each month 327 0 Yes 11.9 No Don't know Don't know Don't know Yes No No Not selected Not selected Selected Not selected Not selected No No Less Somewhat unfairly Extremely Dissatisfied Somewhat Dissatisfied No No Not at all Familiar 45 to 49 Completed college Yes 5 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair No You could probably come up with $2000 $25K to less than $30K One Female Revolvers Not selected Selected Know both interest paid and APR 8054 19568 0.94001 2 7 2011 Northeast Landline RDD Qualified Revolvers - small balance Yes Two Once or Twice You usually carry a balance from month to month on at least one of your cards $500 to $999 The amount and percentage of the bill that you pay each month varies from month to month Refused 50 Yes 15 No Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Yes Not selected Not selected Selected Not selected Not selected No No Less Somewhat unfairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No No Refused 50 to 54 Completed high school Yes 2 No Not selected Not selected Not selected Selected Not selected Not selected Not selected Asian/Pacific Islander (non-Hispanic) Fair No You are certain you could NOT raise the full $2000 $20K to less than $25K One Male Revolvers Not selected Selected Refused at least one of the two questions 177 25521 0.90751 2 7 2011 Northeast Landline RDD Qualified Transactors Yes Four or More More than Six Times You always pay your credit card balances in full on all your cards 0 Don't know No Yes No Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected Yes Yes The Same Very fairly Somewhat Satisfied Somewhat Satisfied No No Somewhat Familiar Neither helpful nor unhelpful 55 to 59 Post graduate work Yes 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more One Female Transactors Not selected Selected Don't know APR and have no balance 3893 29469 0.71557 2 7 2011 Midwest Landline RDD Qualified Transactors Yes Two More than Six Times You always pay your credit card balances in full on all your cards 0 Don't know No Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Don't know Don't know Don't know Don't know Don't know The Same Very fairly Don't know Somewhat Satisfied No No Not at all Familiar 75 to 84 Completed college Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more One Female Transactors Not selected Selected Don't know APR and have no balance 7518 63191 0.8558 2 7 2011 Northeast Landline RDD Qualified Transactors Yes Four or More Three or Four Times You always pay your credit card balances in full on all your cards 0 Yes 12.9 No Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Yes Not selected Not selected Selected Not selected Not selected Yes Yes The Same Neither fairly nor unfairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No No Very Familiar Neither helpful nor unhelpful 60 to 64 Post graduate work No 1 No Selected Selected Not selected Not selected Not selected Not selected Not selected Other (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $50K to less than $75K One Male Transactors Not selected Selected Know APR and have no balance 7520 48691 0.69539 2 7 2011 Northeast Landline RDD Qualified Transactors Yes One More than Six Times You always pay your credit card balances in full on all your cards 0 Don't know Yes Not selected Not selected Selected Not selected Not selected Not selected Yes Don't know Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected No Yes The Same Very fairly Neither Satisfied nor Dissatisfied Don't know No No Somewhat Familiar Neither helpful nor unhelpful 70 to 74 Completed college Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $20K to less than $25K One Male Transactors Not selected Selected Don't know APR and have no balance 8089 55813 1.86856 2 7 2011 Northeast Landline RDD Unqualified No Yes You decided to close the account and make purchases in other ways such as with a debit card 25 to 34 "Some high school, not completed" No 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Poor $20K to less than $25K One Female Not selected Not Selected 8090 57417 0.90751 2 7 2011 Northeast Landline RDD Qualified Transactors Yes Two More than Six Times You always pay your credit card balances in full on all your cards 0 Don't know No No No No Don't know Yes No Not selected Not selected Selected Not selected Not selected No Yes The Same Very fairly Somewhat Satisfied Somewhat Satisfied No No Somewhat Familiar Somewhat helpful 55 to 59 "Some college, not completed" No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You could probably come up with $2000 $20K to less than $25K One Female Transactors Not selected Selected Don't know APR and have no balance 7573 59167 0.90751 2 7 2011 Northeast Landline RDD Qualified Revolvers - medium balance Yes Two Once or Twice You sometimes pay your credit card balances in full and sometimes carry a balance from month to month $1000 to $1999 The amount and percentage of the bill that you pay each month varies from month to month Don't know 0 Yes 12 No No No No Yes Yes No Not selected Not selected Selected Not selected Not selected No Don't know Less Somewhat unfairly Extremely Dissatisfied Somewhat Dissatisfied No No Not Very Familiar Neither helpful nor unhelpful 50 to 54 Completed college Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You could probably come up with $2000 $75K to less than $100K One Female Revolvers Not selected Selected Know APR but not interest paid 3197 28156 0.70649 2 7 2011 Midwest Landline RDD Qualified Transactors Yes Four or More More than Six Times You always pay your credit card balances in full on all your cards 0 Yes 18 Yes Not selected Not selected Selected Not selected Not selected Not selected Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected No Yes More Somewhat unfairly Somewhat Dissatisfied Neither Satisfied nor Dissatisfied No No Not Very Familiar Somewhat helpful 60 to 64 Post graduate work Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You are certain you could come up with the full $2000 $75K to less than $100K One Male Transactors Not selected Selected Know APR and have no balance 1230 18056 1.03451 2 7 2011 South Landline RDD Qualified Transactors Yes Two More than Six Times You always pay your credit card balances in full on all your cards 0 Don't know Don't know Don't know Don't know Don't know Don't know Yes Don't know Not selected Not selected Selected Not selected Not selected Don't know Don't know More Somewhat fairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No No Not Very Familiar Neither helpful nor unhelpful 25 to 34 Post graduate work Yes 5 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $75K to less than $100K One Female Transactors Not selected Selected Don't know APR and have no balance 3170 22416 0.82478 2 7 2011 South Landline RDD Qualified Transactors Yes One More than Six Times You always pay your credit card balances in full on all your cards 0 Don't know No Yes Don't know Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected Yes Yes The Same Somewhat fairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No No Very Familiar Neither helpful nor unhelpful 50 to 54 Completed college No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $75K to less than $100K One Female Transactors Not selected Selected Don't know APR and have no balance 8102 26554 0.97556 2 7 2011 South Landline RDD Qualified Revolvers - small balance Yes Three Once or Twice Other Less than $500 The amount and percentage of the bill that you pay each month varies from month to month Don't know Don't know Don't know Yes Not selected Not selected Selected Not selected Not selected Not selected Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Yes Not selected Not selected Selected Not selected Not selected Yes Yes The Same Neither fairly nor unfairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No No Somewhat Familiar Somewhat helpful 25 to 34 Post graduate work Yes 3 No Not selected Selected Not selected Not selected Not selected Not selected Not selected Black/African-American (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more One Male Revolvers Not selected Selected Know neither interest paid nor APR 3839 17175 1.2427 2 7 2011 South Landline RDD Unqualified No Yes You closed some accounts and other accounts were closed by the bank 35 to 44 "Some college, not completed" Yes 5 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair $30K to less than $40K One Female Not selected Not Selected 8110 27610 0.41239 2 7 2011 South Landline RDD Unqualified No Yes Other 60 to 64 "Some college, not completed" No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good $40K to less than $50K Two Female Not selected Not Selected 8115 17453 1.08089 2 7 2011 South Landline RDD Qualified Transactors Yes Two Once or Twice You always pay your credit card balances in full on all your cards 0 Yes 16 No Yes Yes Yes Not selected Not selected Selected Not selected Not selected Not selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected Yes Yes The Same Very fairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied Yes No Not Very Familiar Neither helpful nor unhelpful 35 to 44 Post graduate work No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You are certain you could come up with the full $2000 $100K or more One Male Transactors Selected Selected Know APR and have no balance 8117 30526 1.03451 2 7 2011 South Landline RDD Qualified Revolvers - large balance Yes Three More than Six Times You sometimes pay your credit card balances in full and sometimes carry a balance from month to month $5000 or more You usually pay the same AMOUNT each month 0 0 Yes 0 No Yes No Yes Not selected Not selected Selected Not selected Not selected Not selected Not selected Not selected No Yes No Not selected Not selected Selected Not selected Not selected No No The Same Very fairly Somewhat Satisfied Neither Satisfied nor Dissatisfied Yes Yes 2 You received something in the mail or via e-mail about the card(s) "You applied for card/cards that read/heard about and seemed attractive, but did not do a lot of comparative shopping" 5 - Extremely important 1 - Not at all important 1 - Not at all important 1 - Not at all important 1 - Not at all important 1 - Not at all important The introductory interest rate on balance transfers and/or purchases Not at all Familiar 25 to 34 Completed college Yes 6 Yes Selected Not selected Not selected Not selected Not selected Not selected Not selected Hispanic Good No You are certain you could come up with the full $2000 $50K to less than $75K One Female Revolvers Selected Selected Know both interest paid and APR 3468 23719 0.57987 2 7 2011 Midwest Landline RDD Qualified Transactors Yes Three More than Six Times You always pay your credit card balances in full on all your cards 0 Don't know No Yes No Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected Yes Yes Less Very fairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No No Somewhat Familiar Neither helpful nor unhelpful 50 to 54 Completed grade school or less Yes 3 No Not selected Not selected Not selected Selected Not selected Not selected Not selected Asian/Pacific Islander (non-Hispanic) Good No You are certain you could come up with the full $2000 $75K to less than $100K Two Male Transactors Not selected Selected Don't know APR and have no balance 8140 23328 0.85215 2 7 2011 Midwest Landline RDD Unqualified Yes One You do not use any of your general purpose credit cards No 75 to 84 Completed high school No 1 No Selected Not selected Selected Not selected Not selected Not selected Not selected Other (non-Hispanic) Excellent $20K to less than $25K One Female Not selected Not Selected 8185 24939 0.75295 2 7 2011 West Landline RDD Qualified Revolvers - large balance Yes Two Five or Six Times You sometimes pay your credit card balances in full and sometimes carry a balance from month to month $4000 to $4999 The amount and percentage of the bill that you pay each month varies from month to month Don't know Don't know Don't know Yes Not selected Not selected Not selected Not selected Selected Not selected Yes No Yes Not selected Not selected Selected Not selected Not selected Not selected Not selected Not selected Yes Yes Don't know Selected Not selected Not selected Not selected Not selected Yes No Less Neither fairly nor unfairly Somewhat Dissatisfied Neither Satisfied nor Dissatisfied No No Not Very Familiar Don't know 50 to 54 Post graduate work Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You could probably come up with $2000 $75K to less than $100K Don't know Male Revolvers Selected Selected Know neither interest paid nor APR 8213 27170 0.99007 2 8 2011 Northeast Landline RDD Unqualified No Yes You decided to close the account and make purchases in other ways such as with a debit card 25 to 34 "Some college, not completed" No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair $40K to less than $50K One Male Not selected Not Selected 3295 23873 1.36736 2 8 2011 Northeast Landline RDD Unqualified Yes One You do not use any of your general purpose credit cards No 35 to 44 Completed college Yes 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent $100K or more One Female Not selected Not Selected 575 16986 1.08073 2 8 2011 Northeast Landline RDD Qualified Revolvers - large balance Yes Two Once or Twice You usually carry a balance from month to month on at least one of your cards $5000 or more You usually pay the same AMOUNT each month 100 45 Yes 0.19 No Yes Yes Yes Selected Selected Selected Selected Not selected Not selected Not selected Not selected No Yes No Not selected Not selected Selected Not selected Not selected Yes Yes Less Somewhat fairly Extremely Dissatisfied Extremely Dissatisfied No No Very Familiar Somewhat helpful 55 to 59 Completed high school No 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could NOT raise the full $2000 Under $15K One Female Revolvers Selected Selected Know both interest paid and APR 6896 17839 0.35325 2 8 2011 Midwest Landline RDD Qualified Transactors Yes One Five or Six Times You always pay your credit card balances in full on all your cards 0 Yes 15.5 Yes Not selected Not selected Not selected Selected Not selected Not selected Yes No Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes No No Selected Not selected Not selected Not selected Not selected No Yes Less Somewhat fairly Extremely Dissatisfied Neither Satisfied nor Dissatisfied No No Somewhat Familiar Very helpful 50 to 54 "Some college, not completed" Yes 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $75K to less than $100K Two Male Transactors Not selected Selected Know APR and have no balance 5742 31158 2.43356 2 8 2011 Northeast Landline RDD Unqualified No No 45 to 49 "Some high school, not completed" No 2 No Not selected Selected Not selected Not selected Not selected Not selected Not selected Black/African-American (non-Hispanic) Fair Under $15K One Female Not selected Not Selected 6031 18473 0.41239 2 8 2011 South Landline RDD Unqualified Yes Two You do not use any of your general purpose credit cards No 55 to 59 Post graduate work Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent $50K to less than $75K Two Female Not selected Not Selected 5448 26521 0.81225 2 8 2011 Midwest Landline RDD Unqualified No Yes You closed some accounts and other accounts were closed by the bank 50 to 54 Post graduate work Yes 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good $50K to less than $75K One Female Not selected Not Selected 3134 19507 1.08089 2 8 2011 South Landline RDD Qualified Revolvers - medium balance Yes Two Once or Twice You sometimes pay your credit card balances in full and sometimes carry a balance from month to month $2000 to $2999 The amount and percentage of the bill that you pay each month varies from month to month Don't know 75 Yes 24 No Don't know No Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected No No The Same Neither fairly nor unfairly Extremely Dissatisfied Somewhat Satisfied No No Not Very Familiar Neither helpful nor unhelpful 45 to 49 Completed college Yes 6 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair No You could probably NOT come up with $2000 $75K to less than $100K One Male Revolvers Not selected Selected Know APR but not interest paid 2728 19185 0.7266 2 8 2011 South Landline RDD Qualified Transactors Yes One More than Six Times You always pay your credit card balances in full on all your cards 0 Don't know Yes Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Yes Not selected Not selected Selected Not selected Not selected Yes Yes More Very fairly Refused Neither Satisfied nor Dissatisfied No No Somewhat Familiar Neither helpful nor unhelpful 85 or older Post graduate work No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You are certain you could come up with the full $2000 $25K to less than $30K One Female Transactors Not selected Selected Don't know APR and have no balance 7314 14864 1.35391 2 8 2011 South Landline RDD Unqualified No Yes You decided to close the account and make purchases in other ways such as with a debit card 55 to 59 "Some high school, not completed" Yes 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair Under $15K One Female Not selected Not Selected 723 22218 0.71557 2 8 2011 Midwest Landline RDD Qualified Transactors Yes One Once or Twice You always pay your credit card balances in full on all your cards 10 Yes 7 No Yes No Yes Not selected Not selected Not selected Selected Not selected Not selected Not selected Not selected No Yes No Selected Not selected Not selected Not selected Not selected Yes Yes Less Very fairly Somewhat Dissatisfied Neither Satisfied nor Dissatisfied No No Somewhat Familiar Somewhat helpful 65 to 69 Post graduate work Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more One Female Transactors Not selected Selected Know APR and have no balance 5333 22412 0.62239 2 8 2011 Midwest Landline RDD Qualified Transactors Yes Two More than Six Times You always pay your credit card balances in full on all your cards 0 Don't know No No No Don't know Don't know Yes No Selected Not selected Not selected Not selected Not selected Yes Yes The Same Somewhat fairly Somewhat Satisfied Somewhat Satisfied No No Not at all Familiar 70 to 74 Completed college Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No Refused Refused One Male Transactors Not selected Selected Don't know APR and have no balance 2403 19464 1.22383 2 8 2011 Midwest Landline RDD Qualified Transactors Yes One More than Six Times You always pay your credit card balances in full on all your cards 0 Don't know No Yes Don't know Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Don't know Not selected Not selected Selected Not selected Not selected No No The Same Somewhat fairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No No Not Very Familiar Neither helpful nor unhelpful 45 to 49 Completed college Yes 4 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $75K to less than $100K One Female Transactors Not selected Selected Don't know APR and have no balance 8246 64271 1.35391 2 8 2011 South Landline RDD Unqualified No No 60 to 64 Completed grade school or less No 1 No Not selected Not selected Not selected Selected Not selected Not selected Not selected Asian/Pacific Islander (non-Hispanic) Don't know Under $15K One Female Not selected Not Selected 8254 60907 0.71738 2 8 2011 South Landline RDD Unqualified No Yes You fell behind on your payments and the bank closed your account 55 to 59 "Some college, not completed" Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair $30K to less than $40K One Male Not selected Not Selected 8247 65545 1.2872 2 8 2011 South Landline RDD Qualified Transactors Yes Two Five or Six Times You always pay your credit card balances in full on all your cards 0 Yes 4.9 No Yes Yes Yes Selected Selected Not selected Selected Not selected Not selected Not selected Not selected Yes Yes Yes Not selected Not selected Selected Not selected Not selected Yes Yes The Same Somewhat fairly Somewhat Satisfied Somewhat Satisfied Yes Yes 1 You received something in the mail or via e-mail about the card(s) You shopped around and compared several different cards before selecting the card(s) for which you applied Somewhat easy 3 3 3 1 - Not at all important 5 - Extremely Important 4 The fees charged on the card Somewhat Familiar Somewhat helpful 45 to 49 Completed high school Yes 4 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $40K to less than $50K One Male Transactors Selected Selected Know APR and have no balance 8252 62083 0.85431 2 8 2011 South Landline RDD Qualified Transactors Yes Three More than Six Times You always pay your credit card balances in full on all your cards 0 Don't know Don't know Yes No Don't know Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Don't know Don't know Not selected Not selected Selected Not selected Not selected No No The Same Very fairly Extremely Satisfied Extremely Satisfied No Yes 2 You received something in the mail or via e-mail about the card(s) Other Not at all Familiar 55 to 59 Completed high school No 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good Yes You are certain you could come up with the full $2000 $30K to less than $40K One Male Transactors Not selected Selected Don't know APR and have no balance 8281 15780 1.17762 2 8 2011 South Landline RDD Unqualified No Yes You decided to close the account and make purchases in other ways such as with a debit card 60 to 64 "Some high school, not completed" No 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Poor $20K to less than $25K One Male Not selected Not Selected 8291 18378 0.7266 2 8 2011 South Landline RDD Unqualified No No 75 to 84 Completed college Yes Refused No Selected Not selected Selected Not selected Not selected Not selected Not selected Other (non-Hispanic) Excellent Refused One Female Not selected Not Selected 6139 22906 0.85215 2 8 2011 Midwest Landline RDD Unqualified No No 70 to 74 Completed high school Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent Refused One Female Not selected Not Selected 1817 20363 0.79949 2 8 2011 Northeast Landline RDD Qualified Yes Three You do not use any of your general purpose credit cards Yes Don't know The amount and percentage of the bill that you pay each month varies from month to month Don't know Don't know Yes 0.19 No Yes Yes Don't know Selected Selected Not selected Not selected Not selected Not selected Not selected Not selected Don't know Yes No Not selected Not selected Selected Not selected Not selected No No Less Somewhat fairly Extremely Dissatisfied Don't know No No Not at all Familiar 70 to 74 "Some college, not completed" No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You could probably NOT come up with $2000 $15K to less than $20K One Female Selected Selected Know APR but not interest paid 8320 53441 0.39467 2 8 2011 Northeast Landline RDD Qualified Transactors Yes Three More than Six Times You always pay your credit card balances in full on all your cards 60 Don't know Yes Not selected Not selected Not selected Selected Not selected Not selected Yes Don't know Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected Yes Don't know More Somewhat fairly Neither Satisfied nor Dissatisfied Somewhat Satisfied No No Somewhat Familiar Neither helpful nor unhelpful 50 to 54 Post graduate work Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You are certain you could come up with the full $2000 $75K to less than $100K Two Male Transactors Not selected Selected Don't know APR and have no balance 6994 26809 0.85215 2 8 2011 Midwest Landline RDD Unqualified No No 75 to 84 Completed high school No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent $15K to less than $20K One Female Not selected Not Selected 8336 16954 1.06447 2 8 2011 Midwest Landline RDD Qualified Transactors Yes Two More than Six Times You always pay your credit card balances in full on all your cards 0 Yes 19 No Yes No Yes Selected Selected Not selected Not selected Not selected Not selected Not selected Not selected Yes Yes No Selected Not selected Not selected Not selected Not selected Yes Yes Less Neither fairly nor unfairly Extremely Dissatisfied Extremely Dissatisfied No No Somewhat Familiar Very helpful 45 to 49 Completed college Yes 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more One Male Transactors Selected Selected Know APR and have no balance 7278 21037 1.17189 2 8 2011 South Landline RDD Qualified Revolvers - medium balance Yes One You do not use any of your general purpose credit cards Yes $1000 to $1999 You usually pay only the MINIMUM AMOUNT due each month Refused Don't know Yes 17 Yes Selected Not selected Not selected Not selected Not selected Not selected Yes Yes Don't know Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected No Yes No Not selected Not selected Not selected Selected Not selected Don't know Don't know Less Very unfairly Extremely Dissatisfied Extremely Dissatisfied No No Not at all Familiar 35 to 44 "Some college, not completed" Yes 1 No Not selected Selected Not selected Not selected Not selected Not selected Not selected Black/African-American (non-Hispanic) Poor Yes You are certain you could NOT raise the full $2000 Don't know One Male Revolvers Not selected Selected Refused at least one of the two questions 850 16044 0.40613 2 8 2011 Midwest Landline RDD Qualified Revolvers - small balance Yes Two Three or Four Times You sometimes pay your credit card balances in full and sometimes carry a balance from month to month Less than $500 The amount and percentage of the bill that you pay each month varies from month to month Don't know Don't know Yes 21 Yes Not selected Selected Selected Not selected Not selected Not selected Yes Yes Yes Selected Selected Selected Selected Not selected Not selected Not selected Not selected Yes Yes No Selected Not selected Not selected Not selected Not selected Yes Yes The Same Somewhat fairly Extremely Dissatisfied Neither Satisfied nor Dissatisfied No No Somewhat Familiar Very helpful 50 to 54 Post graduate work No 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You could probably come up with $2000 $75K to less than $100K Two Female Revolvers Selected Selected Know APR but not interest paid 3415 31527 1.35391 2 8 2011 South Landline RDD Unqualified No No 60 to 64 "Some high school, not completed" Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent $20K to less than $25K One Female Not selected Not Selected 3873 22813 0.28477 2 8 2011 South Landline RDD Qualified Transactors Yes Four or More More than Six Times You always pay your credit card balances in full on all your cards 0 Yes 0 Don't know Yes No No Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected No Yes No Not selected Not selected Selected Not selected Not selected No No The Same Very fairly Somewhat Dissatisfied Somewhat Dissatisfied No Yes 1 You received something in the mail or via e-mail about the card(s) Other Not Very Familiar Neither helpful nor unhelpful 55 to 59 Completed high school No 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $20K to less than $25K Three or more Male Transactors Not selected Selected Know APR and have no balance 5854 20361 0.41239 2 8 2011 South Landline RDD Qualified Transactors Yes Don't know More than Six Times You always pay your credit card balances in full on all your cards 0 Don't know Yes Not selected Selected Not selected Not selected Not selected Not selected Yes No Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected No Yes The Same Very fairly Neither Satisfied nor Dissatisfied Somewhat Satisfied No Yes 1 Someone at a store at which you were shopping told you about it "You applied for card/cards that read/heard about and seemed attractive, but did not do a lot of comparative shopping" 1 - Not at all important 5 - Extremely Important 5 - Extremely Important 5 - Extremely Important 5 - Extremely Important 1 - Not at all important The rewards you could earn if you continue to use the card Somewhat Familiar Neither helpful nor unhelpful Refused "Some college, not completed" Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You could probably come up with $2000 Don't know Two Female Transactors Not selected Selected Don't know APR and have no balance 2703 17070 0.80225 2 8 2011 South Landline RDD Qualified Revolvers - large balance Yes One You do not use any of your general purpose credit cards Yes $5000 or more The amount and percentage of the bill that you pay each month varies from month to month Don't know Don't know Don't know No No No Don't know Yes Yes Yes Not selected Not selected Selected Not selected Not selected Yes No Less Very fairly Extremely Dissatisfied Somewhat Dissatisfied No No Not at all Familiar 45 to 49 Completed high school Yes 3 No Not selected Selected Not selected Not selected Not selected Not selected Not selected Black/African-American (non-Hispanic) Poor Yes You are certain you could NOT raise the full $2000 Under $15K Two Female Revolvers Not selected Selected Know neither interest paid nor APR 6329 19042 1.08581 2 8 2011 West Landline RDD Qualified Revolvers - medium balance Yes Three Three or Four Times You usually carry a balance from month to month on at least one of your cards $1000 to $1999 You usually pay the same AMOUNT each month Don't know 0 Yes 12 No Yes Yes Don't know Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Don't know Not selected Not selected Selected Not selected Not selected Yes Yes The Same Neither fairly nor unfairly Somewhat Satisfied Somewhat Satisfied Yes Yes 1 You received something in the mail or via e-mail about the card(s) You shopped around and compared several different cards before selecting the card(s) for which you applied Very easy 5 - Extremely important 5 - Extremely Important 5 - Extremely Important 5 - Extremely Important 5 - Extremely Important 5 - Extremely Important The permanent interest rate after the end of the introductory period Not at all Familiar 25 to 34 Completed college No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 Refused One Female Revolvers Not selected Selected Know APR but not interest paid 8380 30699 1.08581 2 8 2011 West Landline RDD Qualified Revolvers - large balance Yes One You do not use any of your general purpose credit cards Yes $4000 to $4999 The amount and percentage of the bill that you pay each month varies from month to month 1200 100 Yes 0.26 No Yes Yes Yes Selected Selected Selected Selected Not selected Not selected Not selected Not selected Yes No No Not selected Not selected Selected Not selected Not selected No No Less Neither fairly nor unfairly Extremely Dissatisfied Somewhat Dissatisfied No No Not Very Familiar Somewhat helpful 25 to 34 Completed college Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You are certain you could NOT raise the full $2000 Under $15K One Female Revolvers Selected Selected Know both interest paid and APR 8382 17173 0.66333 2 8 2011 West Landline RDD Qualified Transactors Yes One Three or Four Times You always pay your credit card balances in full on all your cards 0 Don't know No Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected No Don't know The Same Very fairly Somewhat Satisfied Don't know No No Not at all Familiar 75 to 84 Post graduate work Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 Under $15K One Male Transactors Not selected Selected Don't know APR and have no balance 1325 24886 1.13449 2 8 2011 West Landline RDD Unqualified No No 35 to 44 Completed college No 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent $20K to less than $25K One Male Not selected Not Selected 1402 14369 1.30432 2 8 2011 West Landline RDD Qualified Yes Two Three or Four Times You sometimes pay your credit card balances in full and sometimes carry a balance from month to month Don't know The amount and percentage of the bill that you pay each month varies from month to month Don't know 50 Yes 19 No Yes Yes Yes Selected Not selected Not selected Not selected Not selected Not selected Not selected Not selected Yes Yes Don't know Not selected Not selected Selected Not selected Not selected Yes No The Same Somewhat fairly Somewhat Dissatisfied Somewhat Satisfied Yes No Not Very Familiar Neither helpful nor unhelpful 35 to 44 "Some college, not completed" Yes 4 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more One Female Selected Selected Know APR but not interest paid 4298 22750 0.75295 2 8 2011 West Landline RDD Qualified Transactors Yes Two Three or Four Times You always pay your credit card balances in full on all your cards 75 Yes 18 Yes Not selected Not selected Selected Selected Not selected Not selected Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes No No Not selected Not selected Selected Not selected Not selected Yes Yes The Same Very fairly Somewhat Dissatisfied Neither Satisfied nor Dissatisfied No No Not Very Familiar Neither helpful nor unhelpful 60 to 64 Completed college No 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $40K to less than $50K One Male Transactors Not selected Selected Know APR and have no balance 8391 24813 0.9822 2 8 2011 South Landline RDD Unqualified No Yes Other 60 to 64 Completed high school No Refused No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent Under $15K One Female Not selected Not Selected 3154 23456 0.43265 2 8 2011 South Landline RDD Unqualified No No 85 or older Completed high school No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent Refused Two Female Not selected Not Selected 3638 23233 1.23197 2 8 2011 South Landline RDD Unqualified No No Under 25 Completed high school No 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent Don't know One Female Not selected Not Selected 1109 22443 0.3112 2 8 2011 Midwest Landline RDD Unqualified No Yes Other 70 to 74 "Some college, not completed" Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good $40K to less than $50K Two Male Not selected Not Selected 3779 29402 0.23549 2 8 2011 Midwest Landline RDD Unqualified No No 50 to 54 "Some college, not completed" No 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair $30K to less than $40K Three or more Male Not selected Not Selected 3346 33477 0.85215 2 8 2011 Midwest Landline RDD Qualified Transactors Yes Two Once or Twice You always pay your credit card balances in full on all your cards 0 Don't know No Don't know Don't know No Don't know Yes No Not selected Not selected Selected Not selected Not selected No No The Same Very fairly Refused Somewhat Satisfied No No Not at all Familiar 75 to 84 Completed high school Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 Refused One Female Transactors Not selected Selected Don't know APR and have no balance 1159 30047 0.53224 2 8 2011 Midwest Landline RDD Qualified Yes One More than Six Times You sometimes pay your credit card balances in full and sometimes carry a balance from month to month Refused The amount and percentage of the bill that you pay each month varies from month to month Don't know Don't know Yes 8.9 No Yes Yes Don't know Selected Selected Not selected Selected Not selected Not selected Not selected Not selected Don't know Yes Don't know Not selected Not selected Selected Not selected Not selected Yes Don't know More Somewhat fairly Somewhat Satisfied Somewhat Satisfied No No Not Very Familiar Somewhat helpful 35 to 44 Completed college Yes 5 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair No You could probably come up with $2000 $75K to less than $100K Two Male Selected Selected Know APR but not interest paid 5273 32456 1.06447 2 8 2011 Midwest Landline RDD Unqualified No No 35 to 44 Completed college Yes 6 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent $100K or more One Male Not selected Not Selected 4973 25387 0.70649 2 8 2011 Midwest Landline RDD Qualified Revolvers - small balance Yes Two Once or Twice You usually carry a balance from month to month on at least one of your cards Less than $500 The amount and percentage of the bill that you pay each month varies from month to month 100 0 Yes 17 No Don't know Don't know Yes Not selected Not selected Selected Not selected Not selected Not selected Not selected Not selected Yes Yes Yes Not selected Not selected Selected Not selected Not selected Yes No The Same Neither fairly nor unfairly Somewhat Dissatisfied Somewhat Satisfied No No Not Very Familiar Neither helpful nor unhelpful 50 to 54 "Some college, not completed" Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair Yes You could probably come up with $2000 $40K to less than $50K One Male Revolvers Selected Selected Know both interest paid and APR 3594 15865 0.74119 2 8 2011 Midwest Landline RDD Qualified Transactors Yes One Once or Twice You always pay your credit card balances in full on all your cards 0 Don't know No Don't know No Don't know Don't know Yes Don't know Not selected Not selected Selected Not selected Not selected Don't know Don't know The Same Very fairly Extremely Satisfied Refused No No Somewhat Familiar Somewhat helpful 75 to 84 Completed high school Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 Refused Refused Male Transactors Not selected Selected Don't know APR and have no balance 8396 55907 0.9822 2 8 2011 South Landline RDD Unqualified No Yes You decided to close the account and make purchases in other ways such as with a debit card 55 to 59 Completed high school Yes 2 No Selected Not selected Selected Not selected Not selected Not selected Not selected Other (non-Hispanic) Fair $75K to less than $100K One Female Not selected Not Selected 8400 66771 1.03451 2 8 2011 South Landline RDD Unqualified No No 25 to 34 "Some college, not completed" No 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Don't know Don't know One Female Not selected Not Selected 8398 15940 0.85431 2 8 2011 South Landline RDD Qualified Revolvers - large balance Yes One Once or Twice You sometimes pay your credit card balances in full and sometimes carry a balance from month to month $5000 or more The amount and percentage of the bill that you pay each month varies from month to month 21 5 Don't know Yes Not selected Not selected Selected Not selected Not selected Not selected Yes No Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes No No Selected Not selected Not selected Not selected Not selected Yes Yes More Somewhat fairly Somewhat Dissatisfied Somewhat Dissatisfied No No Somewhat Familiar Somewhat helpful 60 to 64 Completed high school Yes 2 No Selected Not selected Selected Not selected Not selected Not selected Not selected Other (non-Hispanic) Fair No You could probably come up with $2000 $40K to less than $50K One Male Revolvers Not selected Selected Know interest paid but not APR 7855 16613 0.73996 2 8 2011 South Landline RDD Unqualified No No 45 to 49 Completed high school Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good Under $15K Two Female Not selected Not Selected 7874 16562 0.51726 2 8 2011 South Landline RDD Unqualified No No 25 to 34 "Some college, not completed" Yes 4 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Poor $15K to less than $20K Two Female Not selected Not Selected 7847 28949 0.3426 2 8 2011 South Landline RDD Qualified Yes Three Three or Four Times You sometimes pay your credit card balances in full and sometimes carry a balance from month to month Refused The amount and percentage of the bill that you pay each month varies from month to month 175 0 Yes 14 Yes Selected Not selected Not selected Not selected Not selected Not selected Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected No No Don't know Very fairly Extremely Dissatisfied Somewhat Satisfied No No Very Familiar Somewhat helpful 75 to 84 Completed college Yes 1 No Not selected Selected Not selected Not selected Not selected Not selected Not selected Black/African-American (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $20K to less than $25K Two Male Not selected Selected Know both interest paid and APR 8413 27319 1.60143 2 8 2011 South Landline RDD Unqualified No No 25 to 34 "Some high school, not completed" No 6 No Not selected Selected Not selected Not selected Not selected Not selected Not selected Black/African-American (non-Hispanic) Poor Under $15K One Male Not selected Not Selected 8411 31858 1.33569 2 8 2011 South Landline RDD Qualified Revolvers - small balance Yes One Once or Twice You usually carry a balance from month to month on at least one of your cards Less than $500 You usually pay the same AMOUNT each month 100 120 Yes 6.3 No Yes Yes No Not selected Not selected Selected Not selected Not selected Not selected Not selected Not selected Yes Yes No Selected Not selected Not selected Not selected Not selected Yes Yes Less Somewhat fairly Somewhat Satisfied Somewhat Satisfied No Yes 1 You received something in the mail or via e-mail about the card(s) You shopped around and compared several different cards before selecting the card(s) for which you applied Somewhat difficult 3 3 4 4 2 3 The rewards you could earn if you continue to use the card Not Very Familiar Somewhat helpful Under 25 Completed high school No 2 No Not selected Selected Not selected Not selected Not selected Not selected Not selected Black/African-American (non-Hispanic) Good No You could probably NOT come up with $2000 Under $15K One Female Revolvers Selected Selected Know both interest paid and APR 50053 203 1.17523 2 3 2011 Northeast Cell phone Unqualified "Yes, 18+" Cell only Pennsylvania No No Under 25 "Some college, not completed" No 4 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent $75K to less than $100K Male Not selected Not Selected 50058 1337 1.60712 2 3 2011 West Cell phone Qualified Transactors "Yes, 18+" Cell only Arizona Yes Three More than Six Times You always pay your credit card balances in full on all your cards 200 Yes 14 No Yes Yes Don't know Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Don't know Not selected Not selected Selected Not selected Not selected No Yes The Same Neither fairly nor unfairly Extremely Dissatisfied Somewhat Satisfied No No Somewhat Familiar Somewhat helpful 35 to 44 Post graduate work Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You are certain you could come up with the full $2000 $100K or more Male Transactors Not selected Selected Know APR and have no balance 50118 10176 1.30302 2 3 2011 South Cell phone Unqualified "Yes, 18+" Cell only Georgia No No 25 to 34 Completed college No 3 Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Hispanic Don't know Under $15K Male Not selected Not Selected 50132 4001 1.90394 2 3 2011 Midwest Cell phone Unqualified "Yes, 18+" Cell only Ohio No No 50 to 54 "Some high school, not completed" No 1 No Selected Not selected Selected Not selected Not selected Not selected Not selected Other (non-Hispanic) Don't know Under $15K Male Not selected Not Selected 50114 3834 1.74755 2 3 2011 Midwest Cell phone Qualified Transactors "Yes, 18+" Cell only Michigan Yes One More than Six Times You always pay your credit card balances in full on all your cards 0 Yes 8 No No No No Yes No No Not selected Not selected Selected Not selected Not selected No No The Same Neither fairly nor unfairly Extremely Dissatisfied Somewhat Dissatisfied No No Not Very Familiar Neither helpful nor unhelpful 45 to 49 Post graduate work Yes 5 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more Male Transactors Not selected Selected Know APR and have no balance 50151 16186 1.70531 2 3 2011 South Cell phone Unqualified "Yes, 18+" Cell only Georgia No No 50 to 54 "Some high school, not completed" No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good Don't know Male Not selected Not Selected 50135 10560 1.19436 2 3 2011 South Cell phone Qualified Transactors "Yes, 18+" Cell only Georgia Yes One Once or Twice You always pay your credit card balances in full on all your cards 0 Yes 9.9 Yes Not selected Selected Not selected Not selected Not selected Not selected Yes Yes Yes Not selected Not selected Selected Not selected Not selected Not selected Not selected Not selected No Yes Yes Not selected Not selected Selected Not selected Not selected Yes Yes The Same Somewhat fairly Somewhat Satisfied Somewhat Satisfied No No Not at all Familiar 50 to 54 Completed college Yes 2 No Selected Not selected Selected Not selected Not selected Not selected Not selected Other (non-Hispanic) Fair No You could probably come up with $2000 $50K to less than $75K Female Transactors Selected Selected Know APR and have no balance 50146 8699 1.0522 2 3 2011 South Cell phone Qualified Revolvers - small balance "Yes, 18+" Cell only Florida Yes One Once or Twice You sometimes pay your credit card balances in full and sometimes carry a balance from month to month Less than $500 The amount and percentage of the bill that you pay each month varies from month to month 10 0 Yes 0 Yes Selected Not selected Not selected Not selected Not selected Not selected Yes Yes Don't know Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected Yes Yes The Same Very fairly Somewhat Satisfied Neither Satisfied nor Dissatisfied No No Somewhat Familiar Somewhat helpful 70 to 74 Post graduate work No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You could probably come up with $2000 $25K to less than $30K Female Revolvers Not selected Selected Know both interest paid and APR 50148 3971 1.15984 2 3 2011 Midwest Cell phone Qualified Revolvers - small balance "Yes, 18+" Cell only Ohio Yes One Once or Twice You sometimes pay your credit card balances in full and sometimes carry a balance from month to month Less than $500 The amount and percentage of the bill that you pay each month varies from month to month 20 0 Yes 14 No Yes No Yes Not selected Not selected Not selected Not selected Not selected Not selected Not selected Selected Yes Yes No Not selected Not selected Selected Not selected Not selected No No The Same Very fairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No No Not Very Familiar Somewhat helpful 50 to 54 Completed college Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You could probably come up with $2000 $40K to less than $50K Male Revolvers Not selected Selected Know both interest paid and APR 50183 9419 1.30302 2 3 2011 South Cell phone Unqualified "Yes, 18+" Cell only Florida No Yes You decided to close the account and make purchases in other ways such as with a debit card 25 to 34 Post graduate work Yes 2 Yes Not selected Not selected Not selected Not selected Not selected Not selected Selected Hispanic Good $30K to less than $40K Male Not selected Not Selected 50220 4205 2.3881 2 3 2011 Midwest Cell phone Unqualified "Yes, 18+" Cell only Michigan No No Under 25 "Some high school, not completed" No 4 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Don't know Don't know Male Not selected Not Selected 50225 1522 1.46492 2 3 2011 Northeast Cell phone Unqualified "Yes, 18+" Cell only New York No No 25 to 34 "Some college, not completed" No 4 No Not selected Selected Not selected Not selected Not selected Not selected Not selected Black/African-American (non-Hispanic) Poor $50K to less than $75K Female Not selected Not Selected 50243 9952 2.13897 2 3 2011 South Cell phone Unqualified "Yes, 18+" Cell only Florida No No 25 to 34 Completed grade school or less No 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Don't know Refused Male Not selected Not Selected 50217 163 0.98299 2 3 2011 Northeast Cell phone Qualified Transactors "Yes, 18+" Cell only New Jersey Yes Two More than Six Times You always pay your credit card balances in full on all your cards 0 Don't know No No Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected Yes Yes More Very fairly Somewhat Satisfied Somewhat Satisfied No No Not Very Familiar Somewhat helpful 65 to 69 Completed high school No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $50K to less than $75K Male Transactors Not selected Selected Don't know APR and have no balance 50262 10635 2.14305 2 3 2011 South Cell phone Unqualified "Yes, 18+" Cell only North Carolina No Yes You decided to close the account and make purchases in other ways such as with a debit card 45 to 49 Completed high school Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent Refused Female Not selected Not Selected 50264 8463 3.20277 2 3 2011 South Cell phone Unqualified "Yes, 18+" Cell only Georgia No Yes You fell behind on your payments and the bank closed your account 35 to 44 "Some high school, not completed" No 1 No Not selected Selected Not selected Not selected Not selected Not selected Not selected Black/African-American (non-Hispanic) Fair Under $15K Female Not selected Not Selected 50235 989 1.35117 2 3 2011 Northeast Cell phone Qualified Revolvers - large balance "Yes, 18+" Cell only New York Yes Four or More Three or Four Times You usually carry a balance from month to month on at least one of your cards $4000 to $4999 You usually pay the same AMOUNT each month Don't know Don't know Yes 25 No Don't know Don't know Don't know Yes Yes Yes Not selected Selected Not selected Not selected Not selected Yes Yes More Somewhat fairly Somewhat Satisfied Somewhat Satisfied No No Not Very Familiar Neither helpful nor unhelpful 25 to 34 Completed college No 2 No Not selected Not selected Not selected Selected Not selected Not selected Not selected Asian/Pacific Islander (non-Hispanic) Fair No You are certain you could come up with the full $2000 $20K to less than $25K Female Revolvers Not selected Selected Know APR but not interest paid 50253 10900 1.79956 2 3 2011 South Cell phone Qualified Revolvers - small balance "Yes, 18+" Cell only Florida Yes One Once or Twice You sometimes pay your credit card balances in full and sometimes carry a balance from month to month Less than $500 The amount and percentage of the bill that you pay each month varies from month to month 5 0 Don't know No Don't know Don't know Don't know Yes Don't know Don't know Not selected Not selected Selected Not selected Not selected Don't know Don't know Less Neither fairly nor unfairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No No Not Very Familiar Neither helpful nor unhelpful 35 to 44 Completed college Yes 4 Yes Selected Not selected Not selected Not selected Not selected Not selected Not selected Hispanic Good No Don't know $50K to less than $75K Female Revolvers Not selected Selected Know interest paid but not APR 50245 843 1.17523 2 3 2011 Northeast Cell phone Qualified Transactors "Yes, 18+" Cell only New Jersey Yes Two Five or Six Times You always pay your credit card balances in full on all your cards 25 Don't know No Don't know Yes Yes Selected Not selected Not selected Selected Not selected Not selected Not selected Not selected Don't know Yes Don't know Selected Selected Not selected Not selected Not selected Yes No The Same Somewhat fairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied Yes Yes 1 Someone at your bank told you about it You shopped around and compared several different cards before selecting the card(s) for which you applied Very difficult 3 5 - Extremely Important 4 5 - Extremely Important 5 - Extremely Important 3 The rewards you could earn if you continue to use the card Not Very Familiar Neither helpful nor unhelpful Under 25 Completed college No 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair No You are certain you could come up with the full $2000 $30K to less than $40K Male Transactors Selected Selected Don't know APR and have no balance 50316 1348 1.17523 2 3 2011 Northeast Cell phone Unqualified "Yes, 18+" Cell only New York No No 25 to 34 "Some college, not completed" Yes 5 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Poor Under $15K Male Not selected Not Selected 50311 9618 1.42233 2 3 2011 South Cell phone Unqualified "Yes, 18+" Cell only North Carolina No No 55 to 59 Completed high school No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good Under $15K Female Not selected Not Selected 50326 10696 1.49808 2 3 2011 South Cell phone Unqualified "Yes, 18+" Cell only Florida No Yes Other 25 to 34 Completed college Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good $50K to less than $75K Female Not selected Not Selected 50324 8705 1.864 2 3 2011 South Cell phone Unqualified "Yes, 18+" Cell only Florida No No 45 to 49 Completed high school No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent $30K to less than $40K Male Not selected Not Selected 50305 4533 1.21682 2 3 2011 Midwest Cell phone Qualified Revolvers - large balance "Yes, 18+" Cell only Ohio Yes Two More than Six Times You sometimes pay your credit card balances in full and sometimes carry a balance from month to month $5000 or more The amount and percentage of the bill that you pay each month varies from month to month Don't know 0 Yes 19 No Yes Don't know Yes Selected Not selected Not selected Not selected Not selected Not selected Not selected Not selected No Yes No Not selected Not selected Selected Not selected Not selected Yes Yes More Very fairly Neither Satisfied nor Dissatisfied Somewhat Satisfied No No Not Very Familiar Somewhat helpful 70 to 74 Completed high school Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You are certain you could come up with the full $2000 $50K to less than $75K Male Revolvers Selected Selected Know APR but not interest paid 50352 2658 1.67257 2 3 2011 Midwest Cell phone Unqualified "Yes, 18+" Cell only Kansas No No 25 to 34 "Some college, not completed" Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Poor $50K to less than $75K Female Not selected Not Selected 50321 3797 1.73246 2 3 2011 Midwest Cell phone Qualified Transactors "Yes, 18+" Cell only Michigan Yes One More than Six Times You always pay your credit card balances in full on all your cards Don't know Yes 7 No Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Yes Not selected Not selected Selected Not selected Not selected Yes Yes The Same Somewhat fairly Extremely Satisfied Extremely Satisfied No No Not at all Familiar Under 25 Completed high school No 5 No Not selected Not selected Selected Not selected Selected Not selected Not selected Other (non-Hispanic) Good Yes You are certain you could come up with the full $2000 $75K to less than $100K Male Transactors Not selected Selected Know APR and have no balance 50362 5012 1.55173 2 3 2011 South Cell phone Unqualified "Yes, 18+" Cell only Georgia No No 25 to 34 Completed high school No 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good $20K to less than $25K Male Not selected Not Selected 50370 6226 1.78403 2 3 2011 South Cell phone Unqualified "Yes, 18+" Cell only Tennessee Yes Two You do not use any of your general purpose credit cards No Under 25 Completed high school Yes 4 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair $40K to less than $50K Female Not selected Not Selected 50385 7113 1.49808 2 3 2011 South Cell phone Unqualified "Yes, 18+" Cell only Texas No Yes You closed some accounts and other accounts were closed by the bank 25 to 34 "Some college, not completed" No 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair $50K to less than $75K Female Not selected Not Selected 50354 2880 2.08111 2 3 2011 Midwest Cell phone Qualified Transactors "Yes, 18+" Cell only Wisconsin Yes One Refused You always pay your credit card balances in full on all your cards 0 Yes 18 Yes Not selected Selected Not selected Not selected Not selected Not selected Yes No Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected Yes Yes The Same Somewhat unfairly Extremely Dissatisfied Somewhat Dissatisfied No No Not Very Familiar Very unhelpful 35 to 44 Completed high school Yes 5 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $40K to less than $50K Male Transactors Not selected Selected Know APR and have no balance 50414 3233 2.17831 2 3 2011 Midwest Cell phone Unqualified "Yes, 18+" Cell only Illinois No No 35 to 44 Completed college Yes 4 No Not selected Selected Not selected Not selected Not selected Not selected Not selected Black/African-American (non-Hispanic) Good $15K to less than $20K Female Not selected Not Selected 50373 3420 1.73246 2 3 2011 Midwest Cell phone Qualified Transactors "Yes, 18+" Cell only Illinois Yes Two More than Six Times You always pay your credit card balances in full on all your cards 0 Don't know Don't know Yes Yes Yes Selected Not selected Not selected Not selected Not selected Not selected Not selected Not selected Yes Yes Yes Not selected Not selected Selected Not selected Not selected Yes Yes More Somewhat fairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied Yes No Not at all Familiar Under 25 Completed high school No 1 No Not selected Not selected Not selected Selected Not selected Not selected Not selected Asian/Pacific Islander (non-Hispanic) Fair Yes You are certain you could NOT raise the full $2000 $30K to less than $40K Male Transactors Selected Selected Don't know APR and have no balance 50433 6112 1.23713 2 3 2011 South Cell phone Unqualified "Yes, 18+" Cell only Texas No Yes You decided to close the account and make purchases in other ways such as with a debit card 55 to 59 Completed high school Yes 3 Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Hispanic Fair $50K to less than $75K Male Not selected Not Selected 50429 6848 1.78403 2 3 2011 South Cell phone Unqualified "Yes, 18+" Cell only Texas No No Under 25 Completed high school No 5 Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Hispanic Poor $20K to less than $25K Female Not selected Not Selected 50445 3428 2.3881 2 3 2011 Midwest Cell phone Unqualified "Yes, 18+" Cell only Missouri No Yes Other 25 to 34 "Some high school, not completed" Yes 4 No Selected Not selected Selected Not selected Not selected Not selected Not selected Other (non-Hispanic) Fair $50K to less than $75K Male Not selected Not Selected 50439 7151 1.79956 2 3 2011 South Cell phone Qualified Transactors "Yes, 18+" Cell only Texas Yes Four or More More than Six Times You always pay your credit card balances in full on all your cards 0 Yes 15 Yes Not selected Selected Selected Not selected Not selected Not selected Yes Yes Yes Selected Not selected Not selected Not selected Not selected Not selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected Yes Yes Less Somewhat fairly Somewhat Dissatisfied Somewhat Dissatisfied No No Very Familiar Somewhat unhelpful 45 to 49 Completed college No 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more Female Transactors Selected Selected Know APR and have no balance 50463 1864 1.74755 2 3 2011 Midwest Cell phone Unqualified "Yes, 18+" Cell only Illinois No Yes You fell behind on your payments and the bank closed your account 35 to 44 "Some college, not completed" No 1 No Not selected Not selected Not selected Selected Not selected Not selected Not selected Asian/Pacific Islander (non-Hispanic) Poor $30K to less than $40K Male Not selected Not Selected 50480 2233 2.3881 2 3 2011 Midwest Cell phone Unqualified "Yes, 18+" Cell only Illinois No Yes You fell behind on your payments and the bank closed your account Under 25 "Some high school, not completed" No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair $25K to less than $30K Male Not selected Not Selected 50492 5213 2.45918 2 3 2011 South Cell phone Unqualified "Yes, 18+" Cell only Texas No No 25 to 34 "Some high school, not completed" No 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Poor Under $15K Female Not selected Not Selected 50511 2443 1.45478 2 3 2011 Midwest Cell phone Unqualified "Yes, 18+" Cell only Missouri No No 25 to 34 "Some college, not completed" No 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent $50K to less than $75K Male Not selected Not Selected 50548 7576 1.30302 2 3 2011 South Cell phone Unqualified "Yes, 18+" Cell only Texas No No Under 25 "Some college, not completed" No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent $50K to less than $75K Male Not selected Not Selected 50541 19697 1.56524 2 3 2011 South Cell phone Unqualified "Yes, 18+" Cell only Oklahoma No Yes You decided to close the account and make purchases in other ways such as with a debit card 45 to 49 Post graduate work Yes 8 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good $30K to less than $40K Male Not selected Not Selected 50553 5062 1.78403 2 3 2011 South Cell phone Unqualified "Yes, 18+" Cell only Alabama No No Under 25 Completed high school No 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Poor $25K to less than $30K Female Not selected Not Selected 50527 2273 1.74755 2 3 2011 Midwest Cell phone Qualified Transactors "Yes, 18+" Cell only Missouri Yes One Three or Four Times You always pay your credit card balances in full on all your cards 0 Yes 0 Yes Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Yes Not selected Not selected Selected Not selected Not selected Yes Yes The Same Very fairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No No Not Very Familiar Neither helpful nor unhelpful 45 to 49 "Some college, not completed" Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You are certain you could come up with the full $2000 $100K or more Male Transactors Not selected Selected Know APR and have no balance 50538 2106 1.74755 2 3 2011 Midwest Cell phone Qualified "Yes, 18+" Cell only Illinois Yes Two Once or Twice You usually carry a balance from month to month on at least one of your cards Don't know The amount and percentage of the bill that you pay each month varies from month to month Don't know 0 Refused No Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes No Not selected Selected Not selected Not selected Not selected Yes Yes The Same Somewhat fairly Somewhat Dissatisfied Somewhat Satisfied Yes No Not at all Familiar 35 to 44 Completed college No 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $50K to less than $75K Male Not selected Selected Refused at least one of the two questions 50575 11887 1.22632 2 3 2011 West Cell phone Unqualified "Yes, 18+" Cell only New Mexico No Yes You decided to close the account and make purchases in other ways such as with a debit card 50 to 54 Completed college No 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good $25K to less than $30K Female Not selected Not Selected 50577 19400 0.93968 2 3 2011 West Cell phone Qualified Transactors "Yes, 18+" Cell only Utah Yes Two More than Six Times You always pay your credit card balances in full on all your cards 0 Don't know Yes Not selected Not selected Not selected Selected Not selected Not selected No No No Yes Yes No Not selected Not selected Selected Not selected Not selected No No Less Very fairly Extremely Dissatisfied Somewhat Dissatisfied No No Not at all Familiar 75 to 84 Completed college No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $40K to less than $50K Male Transactors Not selected Selected Don't know APR and have no balance 50524 5367 2.14305 2 3 2011 South Cell phone Qualified Revolvers - medium balance "Yes, 18+" Cell only Florida Yes Four or More Once or Twice You sometimes pay your credit card balances in full and sometimes carry a balance from month to month $1000 to $1999 The amount and percentage of the bill that you pay each month varies from month to month 222 0 Yes 24.99 No Yes Yes Yes Selected Selected Selected Selected Not selected Not selected Not selected Not selected Yes Yes Don't know Selected Selected Not selected Not selected Not selected Yes Yes More Very fairly Extremely Dissatisfied Somewhat Satisfied No No Somewhat Familiar Somewhat helpful 45 to 49 Completed high school Yes 5 No Selected Not selected Selected Not selected Selected Not selected Not selected Other (non-Hispanic) Good No You are certain you could come up with the full $2000 $40K to less than $50K Female Revolvers Selected Selected Know both interest paid and APR 50648 13787 1.59325 2 3 2011 West Cell phone Unqualified "Yes, 18+" Cell only Washington No Yes You decided to close the account and make purchases in other ways such as with a debit card 25 to 34 Completed high school No 1 No Selected Not selected Selected Not selected Not selected Not selected Not selected Other (non-Hispanic) Good $15K to less than $20K Male Not selected Not Selected 50596 11856 1.60712 2 3 2011 West Cell phone Qualified Revolvers - small balance "Yes, 18+" Cell only Arizona Yes One Once or Twice You usually carry a balance from month to month on at least one of your cards $500 to $999 You usually pay the same AMOUNT each month 18 Don't know Don't know No Yes Yes Yes Not selected Not selected Selected Not selected Not selected Not selected Not selected Not selected Yes Yes Yes Selected Not selected Not selected Not selected Not selected No Don't know Less Somewhat unfairly Somewhat Dissatisfied Extremely Dissatisfied No Yes 1 You received something in the mail or via e-mail about the card(s) You applied for a number of cards because you needed credit and was not sure who would approve your application Not Very Familiar Very unhelpful 35 to 44 "Some college, not completed" No 3 Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Hispanic Fair No You are certain you could come up with the full $2000 $40K to less than $50K Male Revolvers Selected Selected Know interest paid but not APR 50619 13173 1.22632 2 3 2011 West Cell phone Qualified "Yes, 18+" Cell only California Yes Don't know Don't know You usually carry a balance from month to month on at least one of your cards Don't know The amount and percentage of the bill that you pay each month varies from month to month 1000 Don't know Yes 24 Yes Not selected Not selected Selected Not selected Not selected Not selected Yes Yes Yes Not selected Selected Not selected Not selected Not selected Not selected Not selected Not selected Yes Yes No Selected Not selected Not selected Not selected Not selected Yes Yes The Same Very unfairly Extremely Dissatisfied Neither Satisfied nor Dissatisfied No No Not at all Familiar 50 to 54 Completed college Yes 3 No Not selected Not selected Not selected Not selected Selected Not selected Not selected Asian/Pacific Islander (non-Hispanic) Good No Don't know $50K to less than $75K Female Selected Selected Know both interest paid and APR 50689 13252 2.1962 2 3 2011 West Cell phone Unqualified "Yes, 18+" Cell only California No No Under 25 "Some high school, not completed" No 5 No Not selected Not selected Not selected Not selected Not selected Selected Not selected Other (non-Hispanic) Don't know $100K or more Male Not selected Not Selected 50682 12042 1.33788 2 3 2011 West Cell phone Qualified Revolvers - large balance "Yes, 18+" Cell only California Yes Two Three or Four Times Don't know $5000 or more The amount and percentage of the bill that you pay each month varies from month to month Don't know 0 Don't know No No No Yes Not selected Not selected Not selected Selected Not selected Not selected Not selected Not selected No Yes No Not selected Not selected Selected Not selected Not selected No Yes The Same Somewhat fairly Somewhat Dissatisfied Neither Satisfied nor Dissatisfied Yes No Not at all Familiar 25 to 34 Completed college Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair Yes You are certain you could come up with the full $2000 $100K or more Male Revolvers Not selected Selected Know neither interest paid nor APR 50696 12095 1.39955 2 3 2011 Northeast Cell phone Qualified Revolvers - large balance "Yes, 18+" Cell only Massachusetts Yes Four or More Three or Four Times You usually carry a balance from month to month on at least one of your cards $5000 or more You usually pay only the MINIMUM AMOUNT due each month 10 50 Don't know No No No No No No Yes Not selected Not selected Selected Not selected Not selected Yes Yes The Same Very fairly Somewhat Dissatisfied Neither Satisfied nor Dissatisfied No No Not Very Familiar Very unhelpful 25 to 34 Completed high school Yes 2 No Selected Not selected Selected Not selected Not selected Not selected Not selected Other (non-Hispanic) Fair Yes You could probably NOT come up with $2000 $30K to less than $40K Male Revolvers Not selected Selected Know interest paid but not APR 50700 12452 1.35117 2 3 2011 Northeast Cell phone Qualified Transactors "Yes, 18+" Cell only New York Yes One Three or Four Times You always pay your credit card balances in full on all your cards Don't know Don't know No No No No No Yes No Not selected Not selected Selected Not selected Not selected No No The Same Neither fairly nor unfairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No No Not at all Familiar 25 to 34 Completed college No 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You could probably come up with $2000 $50K to less than $75K Female Transactors Not selected Selected Don't know APR and have no balance 50702 13732 1.53817 2 3 2011 West Cell phone Qualified Transactors "Yes, 18+" Cell only California Yes Two More than Six Times You always pay your credit card balances in full on all your cards 30 Don't know No No No No No Yes Yes Selected Not selected Not selected Not selected Not selected No No The Same Somewhat fairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No No Not Very Familiar Neither helpful nor unhelpful Under 25 Completed college No 1 No Not selected Not selected Not selected Selected Not selected Not selected Not selected Asian/Pacific Islander (non-Hispanic) Good No You are certain you could NOT raise the full $2000 $25K to less than $30K Female Transactors Not selected Selected Don't know APR and have no balance 50711 13531 1.27023 2 3 2011 West Cell phone Qualified Transactors "Yes, 18+" Cell only Oregon Yes Two Once or Twice You always pay your credit card balances in full on all your cards 0 Yes 15 No Don't know Don't know Don't know Don't know Yes Don't know Not selected Not selected Selected Not selected Not selected No No Less Somewhat fairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No No Not at all Familiar 60 to 64 Completed high school No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $20K to less than $25K Male Transactors Not selected Selected Know APR and have no balance 50728 13131 1.84771 2 3 2011 West Cell phone Qualified Revolvers - large balance "Yes, 18+" Cell only California Yes Two Once or Twice You usually carry a balance from month to month on at least one of your cards $5000 or more The amount and percentage of the bill that you pay each month varies from month to month Don't know 40 Yes 14 Don't know Don't know Don't know Yes Not selected Not selected Not selected Not selected Selected Not selected Not selected Not selected Yes Yes Don't know Not selected Selected Not selected Not selected Not selected Yes Yes More Somewhat fairly Somewhat Dissatisfied Somewhat Dissatisfied No No Somewhat Familiar Somewhat helpful 35 to 44 Completed college No 5 Yes Selected Not selected Not selected Not selected Not selected Not selected Not selected Hispanic Fair No You could probably NOT come up with $2000 $30K to less than $40K Female Revolvers Not selected Selected Know APR but not interest paid 50757 11069 1.33788 2 3 2011 West Cell phone Qualified Transactors "Yes, 18+" Cell only Alaska Yes One More than Six Times You always pay your credit card balances in full on all your cards 0 Yes 15 No Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected No No The Same Neither fairly nor unfairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No No Not Very Familiar Neither helpful nor unhelpful 25 to 34 "Some college, not completed" No 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $25K to less than $30K Male Transactors Not selected Selected Know APR and have no balance 50760 11731 1.53817 2 3 2011 West Cell phone Qualified Transactors "Yes, 18+" Cell only New Mexico Yes One More than Six Times You always pay your credit card balances in full on all your cards 0 Don't know No Yes No Don't know Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Don't know Yes Don't know Not selected Not selected Selected Not selected Not selected No No The Same Neither fairly nor unfairly Extremely Dissatisfied Don't know No No Somewhat Familiar Neither helpful nor unhelpful 25 to 34 Post graduate work Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair No You are certain you could come up with the full $2000 $50K to less than $75K Female Transactors Not selected Selected Don't know APR and have no balance 50853 4577 2.1595 2 4 2011 Midwest Cell phone Unqualified "Yes, 18+" Cell only Michigan No No 25 to 34 Completed high school No 1 No Not selected Selected Not selected Not selected Not selected Not selected Not selected Black/African-American (non-Hispanic) Fair Under $15K Female Not selected Not Selected 50873 10956 2.45918 2 4 2011 South Cell phone Unqualified "Yes, 18+" Cell only South Carolina No Yes You decided to close the account and make purchases in other ways such as with a debit card Under 25 "Some high school, not completed" No 5 No Selected Not selected Selected Not selected Not selected Not selected Not selected Other (non-Hispanic) Good $25K to less than $30K Female Not selected Not Selected 50878 10538 1.55173 2 4 2011 South Cell phone Unqualified "Yes, 18+" Cell only Florida No No Under 25 Completed high school No 5 Yes Not selected Not selected Not selected Not selected Not selected Not selected Selected Hispanic Don't know Don't know Male Not selected Not Selected 50879 9944 1.30302 2 4 2011 South Cell phone Unqualified "Yes, 18+" Cell only Kentucky No Yes You closed some accounts and other accounts were closed by the bank 25 to 34 Post graduate work Yes 4 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good $30K to less than $40K Male Not selected Not Selected 50895 1012 1.35117 2 4 2011 Northeast Cell phone Unqualified "Yes, 18+" Cell only New York No No Under 25 "Some college, not completed" No 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good Don't know Female Not selected Not Selected 50877 3640 1.45478 2 4 2011 Midwest Cell phone Qualified Revolvers - large balance "Yes, 18+" Cell only Michigan Yes Four or More Once or Twice You usually carry a balance from month to month on at least one of your cards $5000 or more The amount and percentage of the bill that you pay each month varies from month to month 250 0 Yes 12.9 Yes Selected Not selected Not selected Not selected Not selected Not selected Yes No Don't know Selected Not selected Not selected Not selected Not selected Not selected Not selected Not selected No Yes No Not selected Not selected Selected Not selected Not selected Yes Yes The Same Somewhat fairly Extremely Dissatisfied Somewhat Dissatisfied No No Somewhat Familiar Very helpful Under 25 Completed college No 4 No Not selected Not selected Not selected Not selected Not selected Selected Not selected Other (non-Hispanic) Fair Yes You are certain you could NOT raise the full $2000 $20K to less than $25K Male Revolvers Selected Selected Know both interest paid and APR 50904 9538 1.49808 2 4 2011 South Cell phone Unqualified "Yes, 18+" Cell only Florida No No 25 to 34 "Some college, not completed" No 3 Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Hispanic Fair Under $15K Female Not selected Not Selected 50223 450 1.39955 2 4 2011 Northeast Cell phone Unqualified "Yes, 18+" Cell only New York No No Under 25 Completed high school No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent Under $15K Male Not selected Not Selected 50966 4928 1.99182 2 4 2011 Midwest Cell phone Unqualified "Yes, 18+" Cell only Ohio No No 25 to 34 Completed high school No 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Poor Under $15K Female Not selected Not Selected 50911 4360 2.18896 2 4 2011 Midwest Cell phone Qualified "Yes, 18+" Cell only Michigan Yes Two Once or Twice You usually carry a balance from month to month on at least one of your cards Refused You usually pay the same AMOUNT each month Don't know 0 Don't know No Yes No Yes Not selected Not selected Not selected Not selected Selected Not selected Not selected Not selected Yes Yes No Selected Not selected Not selected Not selected Not selected Yes Yes Less Somewhat fairly Somewhat Dissatisfied Somewhat Satisfied No No Somewhat Familiar Somewhat helpful 60 to 64 "Some high school, not completed" Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair No You are certain you could NOT raise the full $2000 $40K to less than $50K Female Not selected Selected Know neither interest paid nor APR 50988 10576 1.49808 2 4 2011 South Cell phone Unqualified "Yes, 18+" Cell only Maryland No No Under 25 "Some college, not completed" No 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good Under $15K Female Not selected Not Selected 51002 10591 0.91519 2 4 2011 South Cell phone Unqualified "Yes, 18+" Cell only Florida No No 75 to 84 Completed college No 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Poor Under $15K Male Not selected Not Selected 50961 791 1.6812 2 4 2011 Northeast Cell phone Qualified Revolvers - medium balance "Yes, 18+" Cell only New Jersey Yes Two Once or Twice You usually carry a balance from month to month on at least one of your cards $2000 to $2999 The amount and percentage of the bill that you pay each month varies from month to month Don't know Don't know Yes 17 No Yes Yes Yes Selected Not selected Not selected Not selected Not selected Not selected Not selected Not selected No Yes Yes Not selected Not selected Selected Not selected Not selected Yes Yes More Somewhat fairly Somewhat Dissatisfied Somewhat Dissatisfied No No Not at all Familiar 35 to 44 Completed high school Yes 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair No You are certain you could come up with the full $2000 $75K to less than $100K Male Revolvers Selected Selected Know APR but not interest paid 51007 10531 1.864 2 4 2011 South Cell phone Unqualified "Yes, 18+" Cell only Kentucky No No 35 to 44 Completed high school Yes 5 Don't know Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair $50K to less than $75K Male Not selected Not Selected 50976 9940 1.79956 2 4 2011 South Cell phone Qualified Transactors "Yes, 18+" Cell only Maryland Yes Two More than Six Times You always pay your credit card balances in full on all your cards 4000 Don't know Yes Not selected Not selected Not selected Selected Not selected Not selected Yes Don't know Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes No Yes Not selected Not selected Selected Not selected Not selected Yes Yes The Same Very fairly Neither Satisfied nor Dissatisfied Somewhat Satisfied No No Somewhat Familiar Neither helpful nor unhelpful 45 to 49 Post graduate work No 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more Female Transactors Not selected Selected Don't know APR and have no balance 51023 2714 1.30302 2 4 2011 South Cell phone Unqualified "Yes, 18+" Cell only Oklahoma No No Under 25 "Some college, not completed" No 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good $25K to less than $30K Male Not selected Not Selected 51034 2242 1.67257 2 4 2011 Midwest Cell phone Unqualified "Yes, 18+" Cell only Kansas No No Under 25 "Some college, not completed" No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent Under $15K Female Not selected Not Selected 51054 3151 2.3881 2 4 2011 Midwest Cell phone Unqualified "Yes, 18+" Cell only Missouri No No Under 25 "Some high school, not completed" No 2 No Not selected Not selected Selected Not selected Not selected Not selected Not selected American Indian or Alaska Native (non-Hispanic) Poor Under $15K Male Not selected Not Selected 50337 4584 2.09076 2 4 2011 Midwest Cell phone Qualified Transactors "Yes, 18+" Cell only Ohio Yes One Once or Twice You always pay your credit card balances in full on all your cards 0 Don't know No Yes No No Selected Not selected Not selected Not selected Not selected Not selected Not selected Not selected No Yes Yes Selected Not selected Not selected Not selected Not selected No Yes Less Very unfairly Somewhat Satisfied Somewhat Satisfied No No Somewhat Familiar Somewhat helpful 75 to 84 "Some high school, not completed" Yes 1 No Not selected Selected Selected Selected Not selected Not selected Not selected Other (non-Hispanic) Poor No You are certain you could NOT raise the full $2000 Under $15K Female Transactors Selected Selected Don't know APR and have no balance 51068 1795 1.74755 2 4 2011 Midwest Cell phone Qualified Transactors "Yes, 18+" Cell only Illinois Yes Two Three or Four Times You always pay your credit card balances in full on all your cards 25 Yes 14 Yes Not selected Not selected Selected Not selected Not selected Not selected Yes No Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected No No Less Neither fairly nor unfairly Somewhat Dissatisfied Somewhat Dissatisfied No No Somewhat Familiar Neither helpful nor unhelpful 35 to 44 Completed college No 1 No Not selected Not selected Not selected Selected Not selected Not selected Not selected Asian/Pacific Islander (non-Hispanic) Fair No You are certain you could come up with the full $2000 $50K to less than $75K Male Transactors Not selected Selected Know APR and have no balance 51097 5031 1.78403 2 4 2011 South Cell phone Unqualified "Yes, 18+" Cell only Texas No No Under 25 Completed high school No 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent Under $15K Female Not selected Not Selected 51090 3077 1.74755 2 4 2011 Midwest Cell phone Qualified Revolvers - small balance "Yes, 18+" Cell only Kansas Yes Two More than Six Times You sometimes pay your credit card balances in full and sometimes carry a balance from month to month $500 to $999 The amount and percentage of the bill that you pay each month varies from month to month Don't know 0 Don't know No No No No Yes Yes No Not selected Selected Not selected Not selected Not selected Don't know Yes The Same Somewhat fairly Somewhat Dissatisfied Somewhat Dissatisfied No No Somewhat Familiar Somewhat helpful 35 to 44 Completed college Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You are certain you could come up with the full $2000 $100K or more Male Revolvers Not selected Selected Know neither interest paid nor APR 51094 3497 1.45478 2 4 2011 Midwest Cell phone Qualified "Yes, 18+" Cell only Minnesota Yes Two More than Six Times You usually carry a balance from month to month on at least one of your cards Refused The amount and percentage of the bill that you pay each month varies from month to month Don't know Refused Refused No Yes Don't know Yes Not selected Selected Not selected Not selected Not selected Not selected Not selected Not selected Yes Yes No Selected Not selected Not selected Not selected Not selected No Yes The Same Somewhat unfairly Somewhat Satisfied Somewhat Dissatisfied No No Not Very Familiar Somewhat unhelpful Under 25 Refused Refused 2 Refused Not selected Not selected Not selected Not selected Not selected Not selected Selected Other (non-Hispanic) Excellent Yes You could probably come up with $2000 Refused Male Selected Selected Refused at least one of the two questions 51146 9429 1.41271 2 4 2011 South Cell phone Unqualified "Yes, 18+" Cell only Virginia No Yes You fell behind on your payments and the bank closed your account 25 to 34 Completed college No 2 No Not selected Selected Not selected Not selected Not selected Not selected Not selected Black/African-American (non-Hispanic) Good $100K or more Male Not selected Not Selected 51182 8314 1.23713 2 4 2011 South Cell phone Unqualified "Yes, 18+" Cell only North Carolina No No 55 to 59 Completed high school No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair $30K to less than $40K Male Not selected Not Selected 51199 8203 1.55173 2 4 2011 South Cell phone Unqualified "Yes, 18+" Cell only Florida No No Under 25 Completed high school No 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good $50K to less than $75K Male Not selected Not Selected 51143 8480 1.55173 2 4 2011 South Cell phone Qualified Transactors "Yes, 18+" Cell only Florida Yes Four or More More than Six Times You always pay your credit card balances in full on all your cards 105 Yes 12 No No No No Yes Yes No Not selected Not selected Selected Not selected Not selected Yes Don't know Less Somewhat unfairly Somewhat Dissatisfied Somewhat Dissatisfied No No Not Very Familiar Somewhat unhelpful 25 to 34 Completed high school Yes 4 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $50K to less than $75K Male Transactors Not selected Selected Know APR and have no balance 51230 9721 1.99182 2 4 2011 Midwest Cell phone Unqualified "Yes, 18+" Cell only Ohio No No Under 25 Completed high school No 3 No Selected Not selected Not selected Selected Not selected Not selected Not selected Other (non-Hispanic) Good $100K or more Female Not selected Not Selected 51238 7798 2.32347 2 4 2011 South Cell phone Unqualified "Yes, 18+" Cell only Kentucky No No 45 to 49 Completed high school Yes 2 No Not selected Selected Not selected Not selected Not selected Not selected Not selected Black/African-American (non-Hispanic) Fair $30K to less than $40K Female Not selected Not Selected 51258 4483 1.15984 2 4 2011 Midwest Cell phone Unqualified "Yes, 18+" Cell only Michigan No No Refused Completed college Yes Refused No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent $75K to less than $100K Male Not selected Not Selected 51263 4925 1.73246 2 4 2011 Midwest Cell phone Unqualified "Yes, 18+" Cell only Ohio No No Under 25 Completed high school No 6 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair Under $15K Male Not selected Not Selected 51287 4239 1.38122 2 4 2011 Midwest Cell phone Unqualified "Yes, 18+" Cell only Ohio No Yes You fell behind on your payments and the bank closed your account 60 to 64 Completed high school No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Poor $15K to less than $20K Male Not selected Not Selected 51294 4578 1.588 2 4 2011 Midwest Cell phone Unqualified "Yes, 18+" Cell only Michigan No Yes Other 60 to 64 Completed high school Yes 3 No Selected Not selected Selected Not selected Not selected Not selected Not selected Other (non-Hispanic) Poor Under $15K Female Not selected Not Selected 51304 1039 1.41174 2 4 2011 Northeast Cell phone Unqualified "Yes, 18+" Cell only New York No Yes You decided to close the account and make purchases in other ways such as with a debit card 45 to 49 Completed college No 1 Yes Selected Not selected Not selected Not selected Not selected Not selected Not selected Hispanic Good $75K to less than $100K Male Not selected Not Selected 51312 104 1.17523 2 4 2011 Northeast Cell phone Unqualified "Yes, 18+" Cell only Pennsylvania No No Under 25 "Some college, not completed" No 4 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent $100K or more Male Not selected Not Selected 51272 4426 1.30302 2 4 2011 South Cell phone Qualified Revolvers - small balance "Yes, 18+" Cell only Virginia Yes One Once or Twice You sometimes pay your credit card balances in full and sometimes carry a balance from month to month Less than $500 The amount and percentage of the bill that you pay each month varies from month to month 50 0 Yes 15 Yes Not selected Not selected Not selected Selected Not selected Not selected Don't know Don't know Don't know Yes Yes Don't know Not selected Not selected Selected Not selected Not selected Don't know Yes The Same Very fairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No No Somewhat Familiar Neither helpful nor unhelpful 25 to 34 Post graduate work No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $75K to less than $100K Male Revolvers Not selected Selected Know both interest paid and APR 51404 6344 1.54207 2 4 2011 South Cell phone Unqualified "Yes, 18+" Cell only Alabama No No 60 to 64 Completed high school No 1 No Not selected Selected Not selected Not selected Not selected Not selected Not selected Black/African-American (non-Hispanic) Fair Under $15K Female Not selected Not Selected 51358 735 1.35117 2 4 2011 Northeast Cell phone Qualified Transactors "Yes, 18+" Cell only New York Yes Two More than Six Times You always pay your credit card balances in full on all your cards 100 Yes 1.5 No Yes Don't know Don't know Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Don't know Not selected Selected Not selected Not selected Not selected Yes Yes More Very fairly Extremely Satisfied Somewhat Satisfied No No Somewhat Familiar Somewhat helpful Under 25 Completed college No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You are certain you could come up with the full $2000 $50K to less than $75K Female Transactors Not selected Selected Know APR and have no balance 51424 5134 2.45918 2 4 2011 South Cell phone Unqualified "Yes, 18+" Cell only Texas No No Under 25 "Some high school, not completed" Yes 4 Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Hispanic Good $20K to less than $25K Female Not selected Not Selected 51437 5255 1.55173 2 4 2011 South Cell phone Unqualified "Yes, 18+" Cell only Texas No No Under 25 Completed high school No 4 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Don't know Don't know Male Not selected Not Selected 51428 7638 1.34128 2 4 2011 South Cell phone Unqualified "Yes, 18+" Cell only Texas No No 55 to 59 Completed high school No 1 No Not selected Selected Selected Not selected Not selected Not selected Not selected Other (non-Hispanic) Good $25K to less than $30K Male Not selected Not Selected 51479 7101 2.13897 2 4 2011 South Cell phone Unqualified "Yes, 18+" Cell only Oklahoma No No Refused Completed grade school or less No Refused Don't know Not selected Not selected Not selected Not selected Not selected Not selected Selected Other (non-Hispanic) Don't know Don't know Male Not selected Not Selected 51405 6704 1.55173 2 4 2011 South Cell phone Qualified Revolvers - medium balance "Yes, 18+" Cell only Tennessee Yes Three More than Six Times You usually carry a balance from month to month on at least one of your cards $2000 to $2999 The amount and percentage of the bill that you pay each month varies from month to month 300 0 Yes 13.99 Yes Selected Not selected Selected Not selected Not selected Not selected Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected No No The Same Neither fairly nor unfairly Neither Satisfied nor Dissatisfied Somewhat Dissatisfied Yes Yes 2 You received something in the mail or via e-mail about the card(s) You shopped around and compared several different cards before selecting the card(s) for which you applied Somewhat difficult 3 3 3 1 - Not at all important 3 3 The permanent interest rate after the end of the introductory period Not Very Familiar Somewhat helpful Under 25 Completed high school Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You could probably come up with $2000 Under $15K Male Revolvers Not selected Selected Know both interest paid and APR 51498 6999 2.14305 2 4 2011 South Cell phone Unqualified "Yes, 18+" Cell only Florida No Yes You fell behind on your payments and the bank closed your account 35 to 44 Completed high school Yes 5 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Poor $25K to less than $30K Female Not selected Not Selected 51508 6673 1.23713 2 4 2011 South Cell phone Unqualified "Yes, 18+" Cell only Arkansas No Yes You decided to close the account and make purchases in other ways such as with a debit card 55 to 59 Completed high school Yes 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent $50K to less than $75K Male Not selected Not Selected 51542 8299 1.55173 2 4 2011 South Cell phone Unqualified "Yes, 18+" Cell only Kentucky No No Under 25 Completed high school No 2 No Selected Not selected Selected Not selected Not selected Not selected Not selected Other (non-Hispanic) Refused $15K to less than $20K Male Not selected Not Selected 51562 1181 1.35117 2 4 2011 Northeast Cell phone Qualified Transactors "Yes, 18+" Cell only New York Yes Three Once or Twice You always pay your credit card balances in full on all your cards 0 Yes 8.24 Yes Not selected Selected Not selected Not selected Not selected Not selected Yes Yes No Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Don't know Not selected Not selected Selected Not selected Not selected Yes Yes The Same Very fairly Somewhat Satisfied Extremely Satisfied No No Somewhat Familiar Neither helpful nor unhelpful Under 25 "Some college, not completed" No 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You are certain you could come up with the full $2000 Under $15K Female Transactors Not selected Selected Know APR and have no balance 51133 8585 1.55173 2 4 2011 South Cell phone Unqualified "Yes, 18+" Cell only Georgia No No Under 25 Completed high school No 7 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Don't know Under $15K Male Not selected Not Selected 51598 9867 1.78403 2 4 2011 South Cell phone Unqualified "Yes, 18+" Cell only Kentucky No No Under 25 Completed high school No 5 Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Hispanic Fair $20K to less than $25K Female Not selected Not Selected 51579 7884 2.13897 2 4 2011 South Cell phone Qualified Transactors "Yes, 18+" Cell only Maryland Yes One Three or Four Times You always pay your credit card balances in full on all your cards 0 Yes 18 No Yes Yes Yes Not selected Not selected Selected Not selected Not selected Not selected Not selected Not selected Yes Yes Yes Not selected Not selected Selected Not selected Not selected Yes Yes More Very fairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No No Not at all Familiar Under 25 "Some high school, not completed" No 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair No You could probably NOT come up with $2000 $15K to less than $20K Male Transactors Selected Selected Know APR and have no balance 51622 8537 1.68236 2 4 2011 South Cell phone Unqualified "Yes, 18+" Cell only Georgia No No Under 25 Completed high school No 6 Yes Not selected Selected Not selected Not selected Not selected Not selected Not selected Hispanic Good $20K to less than $25K Male Not selected Not Selected 51615 8916 1.29491 2 4 2011 South Cell phone Unqualified "Yes, 18+" Cell only Georgia No No 50 to 54 Completed college No 2 No Not selected Selected Not selected Not selected Not selected Not selected Not selected Black/African-American (non-Hispanic) Good Refused Female Not selected Not Selected 51637 10686 1.79956 2 4 2011 South Cell phone Qualified Revolvers - medium balance "Yes, 18+" Cell only Georgia Yes Three You do not use any of your general purpose credit cards Yes $1000 to $1999 The amount and percentage of the bill that you pay each month varies from month to month 400 150 Yes 14 Yes Not selected Selected Not selected Not selected Not selected Not selected No No No Yes No No Not selected Not selected Selected Not selected Not selected No No Less Somewhat unfairly Somewhat Dissatisfied Somewhat Dissatisfied No No Somewhat Familiar Somewhat helpful 35 to 44 Post graduate work No 4 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair No You are certain you could come up with the full $2000 $50K to less than $75K Female Revolvers Not selected Selected Know both interest paid and APR 51656 6916 1.69701 2 4 2011 South Cell phone Unqualified "Yes, 18+" Cell only Tennessee Yes One You do not use any of your general purpose credit cards No 35 to 44 Completed college Yes 2 No Not selected Selected Not selected Not selected Not selected Not selected Not selected Black/African-American (non-Hispanic) Excellent $75K to less than $100K Male Not selected Not Selected 51513 5918 1.42233 2 4 2011 South Cell phone Qualified Revolvers - small balance "Yes, 18+" Cell only Mississippi Yes Four or More Once or Twice You usually carry a balance from month to month on at least one of your cards $500 to $999 The amount and percentage of the bill that you pay each month varies from month to month 50 0 Yes 13 No No Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Don't know Yes No Not selected Not selected Selected Not selected Not selected Don't know Yes The Same Somewhat fairly Somewhat Dissatisfied Extremely Satisfied No No Not at all Familiar 50 to 54 Completed high school Yes 4 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You could probably come up with $2000 $50K to less than $75K Female Revolvers Not selected Selected Know both interest paid and APR 51676 5360 1.42233 2 4 2011 South Cell phone Unqualified "Yes, 18+" Cell only Florida No Yes You fell behind on your payments and the bank closed your account 50 to 54 Completed high school Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Poor $20K to less than $25K Female Not selected Not Selected 51675 6087 1.30302 2 4 2011 South Cell phone Qualified Transactors "Yes, 18+" Cell only Louisiana Yes One Five or Six Times You always pay your credit card balances in full on all your cards Don't know Yes 5.9 No Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Don't know Not selected Not selected Selected Not selected Not selected Don't know No The Same Somewhat fairly Somewhat Satisfied Somewhat Satisfied No No Somewhat Familiar Neither helpful nor unhelpful 25 to 34 Completed college No 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 Refused Male Transactors Not selected Selected Know APR and have no balance 51719 6628 1.42233 2 4 2011 South Cell phone Unqualified "Yes, 18+" Cell only Texas No No 60 to 64 Completed high school No 2 No Not selected Not selected Not selected Selected Not selected Not selected Not selected Asian/Pacific Islander (non-Hispanic) Poor Under $15K Female Not selected Not Selected 51725 5058 1.864 2 4 2011 South Cell phone Unqualified "Yes, 18+" Cell only Texas No No 35 to 44 Completed high school No 1 Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Hispanic Poor Under $15K Male Not selected Not Selected 51737 6847 1.55173 2 4 2011 South Cell phone Unqualified "Yes, 18+" Cell only Texas No No Under 25 Completed high school No 4 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Don't know Don't know Male Not selected Not Selected 51765 3205 2.39266 2 4 2011 Midwest Cell phone Unqualified "Yes, 18+" Cell only Wisconsin No No 35 to 44 Completed high school No 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair $50K to less than $75K Female Not selected Not Selected 51689 565 1.49808 2 4 2011 South Cell phone Qualified Transactors "Yes, 18+" Cell only Texas Yes One More than Six Times You always pay your credit card balances in full on all your cards 0 Don't know No Don't know Don't know Yes Selected Not selected Not selected Not selected Not selected Not selected Not selected Not selected Yes Yes Don't know Not selected Not selected Selected Not selected Not selected Yes Yes The Same Somewhat fairly Somewhat Satisfied Neither Satisfied nor Dissatisfied No No Not at all Familiar 25 to 34 Completed college Yes 2 No Not selected Not selected Not selected Selected Not selected Not selected Not selected Asian/Pacific Islander (non-Hispanic) Good No You are certain you could come up with the full $2000 $100K or more Female Transactors Selected Selected Don't know APR and have no balance 51756 2021 1.17523 2 4 2011 Northeast Cell phone Qualified Transactors "Yes, 18+" Cell only Vermont Yes One Five or Six Times You always pay your credit card balances in full on all your cards 0 Don't know No Don't know Don't know Don't know Yes No No Not selected Not selected Selected Not selected Not selected No Don't know Less Neither fairly nor unfairly Extremely Satisfied Neither Satisfied nor Dissatisfied No No Somewhat Familiar Neither helpful nor unhelpful 25 to 34 Completed college No 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 Under $15K Male Transactors Not selected Selected Don't know APR and have no balance 51772 2035 1.45478 2 4 2011 Midwest Cell phone Qualified Transactors "Yes, 18+" Cell only Minnesota Yes Two Three or Four Times You always pay your credit card balances in full on all your cards 50 Don't know No Yes Don't know Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Don't know Yes Not selected Not selected Selected Not selected Not selected No No More Neither fairly nor unfairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No Yes 1 You saw an advertisement on the Internet You shopped around and compared several different cards before selecting the card(s) for which you applied Very easy 1 - Not at all important 3 5 - Extremely Important 5 - Extremely Important 5 - Extremely Important 1 - Not at all important The rewards you could earn if you continue to use the card Not at all Familiar 25 to 34 Completed college Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $75K to less than $100K Male Transactors Not selected Selected Don't know APR and have no balance 51820 3450 1.53817 2 4 2011 West Cell phone Unqualified "Yes, 18+" Cell only Montana No Yes You decided to close the account and make purchases in other ways such as with a debit card 25 to 34 Completed college No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent Under $15K Female Not selected Not Selected 51824 2936 2.39266 2 4 2011 Midwest Cell phone Unqualified "Yes, 18+" Cell only Illinois No Yes You closed some accounts and other accounts were closed by the bank 35 to 44 Completed high school No 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good $15K to less than $20K Female Not selected Not Selected 51817 3074 1.25748 2 4 2011 Midwest Cell phone Qualified Revolvers - medium balance "Yes, 18+" Cell only Illinois Yes Four or More Once or Twice You sometimes pay your credit card balances in full and sometimes carry a balance from month to month $1000 to $1999 The amount and percentage of the bill that you pay each month varies from month to month 200 100 Yes 54 Yes Not selected Selected Selected Not selected Not selected Not selected Yes Yes Yes Not selected Not selected Not selected Selected Not selected Not selected Not selected Not selected Yes No Yes Selected Not selected Not selected Not selected Not selected Yes Yes Less Very unfairly Extremely Dissatisfied Somewhat Satisfied No No Somewhat Familiar Very helpful 50 to 54 Completed college Yes 5 Yes Not selected Selected Not selected Not selected Not selected Not selected Not selected Hispanic Good No You are certain you could come up with the full $2000 $50K to less than $75K Male Revolvers Not selected Selected Know both interest paid and APR 51843 1512 1.11581 2 4 2011 Northeast Cell phone Unqualified "Yes, 18+" Cell only New York No Yes You closed some accounts and other accounts were closed by the bank 55 to 59 Completed high school No 1 Refused Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Poor $20K to less than $25K Male Not selected Not Selected 51911 12364 1.83176 2 4 2011 West Cell phone Unqualified "Yes, 18+" Cell only California No No 25 to 34 Completed high school No 8 Yes Selected Not selected Selected Not selected Not selected Not selected Not selected Hispanic Poor Under $15K Female Not selected Not Selected 51920 13795 1.72738 2 4 2011 West Cell phone Unqualified "Yes, 18+" Cell only California No No Under 25 Completed high school No 5 Yes Not selected Not selected Not selected Not selected Not selected Not selected Selected Hispanic Poor Don't know Male Not selected Not Selected 51955 12440 1.83176 2 4 2011 West Cell phone Unqualified "Yes, 18+" Cell only California No No Under 25 Completed high school No 5 Yes Selected Not selected Not selected Not selected Not selected Not selected Not selected Hispanic Excellent Under $15K Female Not selected Not Selected 51899 13859 1.84771 2 4 2011 West Cell phone Qualified Revolvers - large balance "Yes, 18+" Cell only California Yes Three More than Six Times You usually carry a balance from month to month on at least one of your cards $5000 or more You usually pay the same AMOUNT each month 200 0 Don't know No Yes Yes Yes Not selected Not selected Selected Not selected Not selected Not selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected Yes No The Same Neither fairly nor unfairly Somewhat Dissatisfied Somewhat Dissatisfied No No Somewhat Familiar Somewhat helpful 35 to 44 Completed college No 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You could probably come up with $2000 $50K to less than $75K Female Revolvers Selected Selected Know interest paid but not APR 51958 12371 1.06664 2 4 2011 West Cell phone Unqualified "Yes, 18+" Cell only Washington No Yes You decided to close the account and make purchases in other ways such as with a debit card 55 to 59 Completed college No 6 No Not selected Not selected Selected Not selected Selected Not selected Not selected Other (non-Hispanic) Excellent $50K to less than $75K Male Not selected Not Selected 51968 13509 1.28656 2 4 2011 West Cell phone Unqualified "Yes, 18+" Cell only California No No 85 or older Completed high school No 5 Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Hispanic Fair Under $15K Female Not selected Not Selected 52016 14086 2.1962 2 4 2011 West Cell phone Unqualified "Yes, 18+" Cell only California No No Under 25 "Some high school, not completed" No 2 Yes Not selected Not selected Not selected Not selected Not selected Not selected Selected Hispanic Good $20K to less than $25K Male Not selected Not Selected 52000 13229 1.83176 2 4 2011 West Cell phone Unqualified "Yes, 18+" Cell only California No Yes Other Under 25 Completed high school No 5 No Not selected Not selected Selected Selected Not selected Not selected Not selected Other (non-Hispanic) Fair Under $15K Female Not selected Not Selected 52026 12981 1.33788 2 4 2011 West Cell phone Unqualified "Yes, 18+" Cell only California No No Under 25 "Some college, not completed" No 2 No Not selected Not selected Not selected Selected Not selected Not selected Not selected Asian/Pacific Islander (non-Hispanic) Fair $25K to less than $30K Male Not selected Not Selected 52047 12030 2.38109 2 4 2011 West Cell phone Unqualified "Yes, 18+" Cell only California No No Under 25 "Some high school, not completed" Yes 5 No Not selected Selected Not selected Not selected Not selected Not selected Not selected Black/African-American (non-Hispanic) Excellent Under $15K Male Not selected Not Selected 52017 13718 1.53817 2 4 2011 West Cell phone Qualified Transactors "Yes, 18+" Cell only California Yes Two More than Six Times You always pay your credit card balances in full on all your cards 0 Don't know No Don't know Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes No Not selected Selected Not selected Not selected Not selected No No The Same Very fairly Extremely Satisfied Extremely Satisfied No Yes 2 You saw an advertisement on TV or in a newspaper or magazine "You applied for card/cards that read/heard about and seemed attractive, but did not do a lot of comparative shopping" 5 - Extremely important 4 5 - Extremely Important 5 - Extremely Important 5 - Extremely Important Don't know The rewards you could earn if you continue to use the card Not at all Familiar 25 to 34 Completed college No 4 No Not selected Not selected Not selected Selected Not selected Not selected Not selected Asian/Pacific Islander (non-Hispanic) Good No You are certain you could come up with the full $2000 $30K to less than $40K Female Transactors Not selected Selected Don't know APR and have no balance 52037 12710 1.84771 2 4 2011 West Cell phone Qualified Revolvers - medium balance "Yes, 18+" Cell only Oregon Yes Two Five or Six Times You sometimes pay your credit card balances in full and sometimes carry a balance from month to month $1000 to $1999 The amount and percentage of the bill that you pay each month varies from month to month 70 0 Yes 16 No No No No Yes Yes No Not selected Not selected Selected Not selected Not selected No No The Same Somewhat fairly Somewhat Satisfied Neither Satisfied nor Dissatisfied No No Not at all Familiar 35 to 44 Completed college No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You could probably come up with $2000 $40K to less than $50K Female Revolvers Not selected Selected Know both interest paid and APR 52077 12057 1.83176 2 4 2011 West Cell phone Unqualified "Yes, 18+" Cell only Oregon No Yes You decided to close the account and make purchases in other ways such as with a debit card 25 to 34 Completed high school Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent $50K to less than $75K Female Not selected Not Selected 52058 13079 1.22632 2 4 2011 West Cell phone Qualified Revolvers - large balance "Yes, 18+" Cell only Washington Yes One Five or Six Times You usually carry a balance from month to month on at least one of your cards $4000 to $4999 The amount and percentage of the bill that you pay each month varies from month to month Don't know 0 Yes 9 Yes Selected Not selected Not selected Not selected Not selected Not selected Yes Don't know Yes Not selected Selected Not selected Not selected Not selected Not selected Not selected Not selected Yes Yes Yes Not selected Not selected Selected Not selected Not selected No Yes The Same Very fairly Extremely Satisfied Extremely Satisfied No No Very Familiar Somewhat helpful 50 to 54 Completed college Yes 4 No Selected Not selected Selected Not selected Not selected Not selected Not selected Other (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more Female Revolvers Selected Selected Know APR but not interest paid 52071 13369 1.60712 2 4 2011 West Cell phone Qualified Transactors "Yes, 18+" Cell only California Yes One Once or Twice You always pay your credit card balances in full on all your cards 0 Don't know No No Don't know Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected No No The Same Very fairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No No Not at all Familiar 35 to 44 "Some college, not completed" No 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $40K to less than $50K Male Transactors Not selected Selected Don't know APR and have no balance 52094 11150 2.1962 2 4 2011 West Cell phone Unqualified "Yes, 18+" Cell only Utah No No 25 to 34 "Some high school, not completed" No 4 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good $50K to less than $75K Male Not selected Not Selected 52081 11036 2.1962 2 4 2011 West Cell phone Qualified Revolvers - medium balance "Yes, 18+" Cell only Alaska Yes One Once or Twice You usually carry a balance from month to month on at least one of your cards $1000 to $1999 You usually pay only the MINIMUM AMOUNT due each month Refused 10 Don't know No No No No Yes Yes No Not selected Not selected Selected Not selected Not selected No Yes Less Somewhat fairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No No Not at all Familiar 25 to 34 "Some high school, not completed" No 2 No Selected Not selected Selected Selected Not selected Not selected Not selected Other (non-Hispanic) Fair No You are certain you could NOT raise the full $2000 $30K to less than $40K Male Revolvers Not selected Selected Refused at least one of the two questions 52125 12960 1.59325 2 4 2011 West Cell phone Unqualified "Yes, 18+" Cell only California No No 25 to 34 Completed high school No 3 Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Hispanic Fair $15K to less than $20K Male Not selected Not Selected 50983 10375 1.78403 2 5 2011 South Cell phone Unqualified "Yes, 18+" Cell only Tennessee Refused Refused Refused Completed high school Yes Refused Refused Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent Refused Female Not selected Not Selected 52147 7007 1.08987 2 5 2011 South Cell phone Qualified Revolvers - medium balance "Yes, 18+" Cell only Oklahoma Yes One Once or Twice You usually carry a balance from month to month on at least one of your cards $2000 to $2999 You usually pay the same AMOUNT each month Don't know Don't know Yes 18.99 Yes Not selected Not selected Not selected Selected Not selected Not selected Yes No No Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes No Not selected Selected Not selected Not selected Not selected Yes Yes The Same Very fairly Extremely Satisfied Extremely Satisfied No No Not Very Familiar Somewhat helpful 75 to 84 Completed high school No 2 No Selected Not selected Selected Not selected Not selected Not selected Not selected Other (non-Hispanic) Excellent No You could probably come up with $2000 $15K to less than $20K Male Revolvers Not selected Selected Know APR but not interest paid 52171 379 1.17523 2 5 2011 Northeast Cell phone Qualified Transactors "Yes, 18+" Cell only Pennsylvania Yes One More than Six Times You always pay your credit card balances in full on all your cards 0 Yes 18 No No No Don't know Don't know Yes Don't know Not selected Not selected Selected Not selected Not selected Yes Don't know The Same Very fairly Extremely Satisfied Extremely Satisfied No No Not at all Familiar Under 25 Completed college No 7 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You are certain you could come up with the full $2000 Don't know Male Transactors Not selected Selected Know APR and have no balance 52170 334 1.41174 2 5 2011 Northeast Cell phone Qualified Transactors "Yes, 18+" Cell only Pennsylvania Yes Three More than Six Times You always pay your credit card balances in full on all your cards 0 Yes 17 Yes Selected Not selected Not selected Not selected Not selected Not selected Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes No Yes Not selected Not selected Selected Not selected Not selected Yes Don't know The Same Very fairly Extremely Satisfied Extremely Satisfied No Yes 1 You saw an advertisement on the Internet "You applied for card/cards that read/heard about and seemed attractive, but did not do a lot of comparative shopping" 1 - Not at all important 3 5 - Extremely Important 4 1 - Not at all important 1 - Not at all important The bonus you could earn by applying or by making a few purchases Somewhat Familiar Neither helpful nor unhelpful 45 to 49 Completed college No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $75K to less than $100K Male Transactors Not selected Selected Know APR and have no balance 52192 4651 1.67257 2 5 2011 Midwest Cell phone Unqualified "Yes, 18+" Cell only Indiana No Yes You decided to close the account and make purchases in other ways such as with a debit card 25 to 34 Completed college Yes 4 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair $25K to less than $30K Female Not selected Not Selected 52195 616 2.51254 2 5 2011 Northeast Cell phone Unqualified "Yes, 18+" Cell only Connecticut No No 35 to 44 "Some high school, not completed" No 4 No Not selected Selected Not selected Not selected Not selected Not selected Not selected Black/African-American (non-Hispanic) Refused Under $15K Male Not selected Not Selected 52208 4754 2.74561 2 5 2011 Midwest Cell phone Unqualified "Yes, 18+" Cell only Ohio No No 25 to 34 "Some high school, not completed" No 4 Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Hispanic Poor Under $15K Female Not selected Not Selected 52212 3766 1.49808 2 5 2011 South Cell phone Unqualified "Yes, 18+" Cell only South Carolina Yes One You do not use any of your general purpose credit cards No Under 25 Completed college No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good $30K to less than $40K Female Not selected Not Selected 50181 4256 1.73246 2 5 2011 Midwest Cell phone Qualified Revolvers - small balance "Yes, 18+" Cell only Michigan Yes Two Three or Four Times Other $500 to $999 You usually pay the same AMOUNT each month Don't know 0 Yes 19 No Yes No Yes Selected Not selected Not selected Not selected Selected Not selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected Yes Don't know More Somewhat unfairly Somewhat Dissatisfied Somewhat Satisfied No Yes 1 Other Other Not at all Familiar Under 25 Completed high school No 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You could probably NOT come up with $2000 $20K to less than $25K Male Revolvers Selected Selected Know APR but not interest paid 52218 1543 1.35117 2 5 2011 Northeast Cell phone Qualified Transactors "Yes, 18+" Cell only New Jersey Yes Two More than Six Times You always pay your credit card balances in full on all your cards 500 Yes 19 No No No No No Yes Yes Not selected Selected Not selected Not selected Not selected Don't know Don't know The Same Somewhat fairly Extremely Dissatisfied Neither Satisfied nor Dissatisfied No No Not at all Familiar Under 25 "Some college, not completed" No 6 Yes Selected Not selected Selected Selected Not selected Not selected Not selected Hispanic Excellent No You are certain you could NOT raise the full $2000 $50K to less than $75K Female Transactors Not selected Selected Know APR and have no balance 52235 3189 1.33347 2 5 2011 Midwest Cell phone Qualified Transactors "Yes, 18+" Cell only Illinois Yes Two More than Six Times You always pay your credit card balances in full on all your cards 600 Yes 13.4 Yes Selected Not selected Not selected Selected Not selected Not selected Yes Yes Yes Not selected Selected Not selected Not selected Not selected Not selected Not selected Not selected Don't know Don't know Don't know Yes Yes Less Somewhat unfairly Extremely Dissatisfied Somewhat Dissatisfied Yes Yes 1 Someone at your bank told you about it Other Not Very Familiar Very helpful 50 to 54 Post graduate work Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You could probably come up with $2000 $30K to less than $40K Female Transactors Selected Selected Know APR and have no balance 51197 27674 1.95106 2 5 2011 South Cell phone Qualified Transactors "Yes, 18+" Cell only North Carolina Yes Two More than Six Times You always pay your credit card balances in full on all your cards 0 Yes 0 Yes Not selected Not selected Selected Not selected Not selected Not selected Yes No Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Don't know No Not selected Not selected Selected Not selected Not selected No No The Same Very fairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No No Very Familiar Neither helpful nor unhelpful 35 to 44 Post graduate work No 1 No Not selected Selected Not selected Selected Not selected Not selected Not selected Other (non-Hispanic) Excellent No Refused Refused Female Transactors Not selected Selected Know APR and have no balance 52268 10529 1.6242 2 5 2011 South Cell phone Unqualified "Yes, 18+" Cell only Florida No Yes You closed some accounts and other accounts were closed by the bank Under 25 Completed college No 1 No Not selected Selected Not selected Not selected Not selected Not selected Not selected Black/African-American (non-Hispanic) Poor Refused Female Not selected Not Selected 51639 4019 1.74755 2 5 2011 Midwest Cell phone Unqualified "Yes, 18+" Cell only Indiana Yes One You do not use any of your general purpose credit cards Don't know 45 to 49 "Some college, not completed" Yes 6 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent $100K or more Male Not selected Not Selected 52297 6437 1.30302 2 5 2011 South Cell phone Unqualified "Yes, 18+" Cell only Florida No Yes You decided to close the account and make purchases in other ways such as with a debit card 25 to 34 Completed college Yes 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent $100K or more Male Not selected Not Selected 52317 972 1.41174 2 5 2011 Northeast Cell phone Unqualified "Yes, 18+" Cell only Pennsylvania No No 45 to 49 Post graduate work No 4 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent $25K to less than $30K Male Not selected Not Selected 51733 5766 1.41271 2 5 2011 South Cell phone Qualified Revolvers - medium balance "Yes, 18+" Cell only Florida Yes One Once or Twice You usually carry a balance from month to month on at least one of your cards $2000 to $2999 The amount and percentage of the bill that you pay each month varies from month to month 250 0 Yes 2.9 No Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected Yes Yes Less Somewhat fairly Extremely Dissatisfied Neither Satisfied nor Dissatisfied No No Very Familiar Very unhelpful 25 to 34 Completed college Yes 5 No Not selected Selected Not selected Not selected Not selected Not selected Not selected Black/African-American (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $75K to less than $100K Male Revolvers Not selected Selected Know both interest paid and APR 52320 12217 1.28656 2 5 2011 West Cell phone Unqualified "Yes, 18+" Cell only Washington No No 65 to 69 Completed high school No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Poor Under $15K Female Not selected Not Selected 51823 2647 1.53817 2 5 2011 West Cell phone Qualified Transactors "Yes, 18+" Cell only California Yes One Five or Six Times You always pay your credit card balances in full on all your cards Don't know Don't know No Yes Yes Yes Selected Not selected Selected Selected Not selected Not selected Not selected Not selected Yes Yes Don't know Not selected Selected Not selected Not selected Not selected Yes Yes The Same Somewhat fairly Neither Satisfied nor Dissatisfied Don't know No No Not Very Familiar Somewhat helpful Under 25 "Some college, not completed" No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair No You could probably NOT come up with $2000 Under $15K Female Transactors Selected Selected Don't know APR and have no balance 50663 13180 1.74242 2 5 2011 West Cell phone Unqualified "Yes, 18+" Cell only California No No 45 to 49 Completed college Yes 4 No Not selected Selected Not selected Not selected Not selected Not selected Not selected Black/African-American (non-Hispanic) Poor $40K to less than $50K Male Not selected Not Selected 52324 13255 1.33788 2 5 2011 West Cell phone Qualified Revolvers - medium balance "Yes, 18+" Cell only Wyoming Yes One Once or Twice You usually carry a balance from month to month on at least one of your cards $1000 to $1999 You usually pay the same AMOUNT each month Don't know Don't know Yes 12 No Don't know Don't know Don't know Yes Yes No Not selected Not selected Selected Not selected Not selected No No The Same Neither fairly nor unfairly Somewhat Dissatisfied Neither Satisfied nor Dissatisfied No No Not at all Familiar Under 25 "Some college, not completed" No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You are certain you could come up with the full $2000 $30K to less than $40K Male Revolvers Not selected Selected Know APR but not interest paid 52091 11668 2.38109 2 5 2011 West Cell phone Unqualified "Yes, 18+" Cell only Arizona No Yes Other 25 to 34 "Some high school, not completed" No 1 No Not selected Selected Not selected Selected Not selected Not selected Not selected Other (non-Hispanic) Fair $30K to less than $40K Male Not selected Not Selected 50739 13254 1.84771 2 5 2011 West Cell phone Qualified Transactors "Yes, 18+" Cell only California Yes One More than Six Times You always pay your credit card balances in full on all your cards 200 Yes 7.99 No Don't know Don't know Yes Selected Not selected Not selected Not selected Not selected Not selected Not selected Not selected Don't know Yes No Not selected Not selected Selected Not selected Not selected Yes Yes Less Very fairly Somewhat Satisfied Somewhat Dissatisfied No Yes 1 Someone at a store at which you were shopping told you about it "You applied for card/cards that read/heard about and seemed attractive, but did not do a lot of comparative shopping" 5 - Extremely important 5 - Extremely Important 1 - Not at all important 5 - Extremely Important 3 3 The rewards you could earn if you continue to use the card Not at all Familiar 35 to 44 Post graduate work No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You could probably come up with $2000 $50K to less than $75K Female Transactors Selected Selected Know APR and have no balance 52349 13258 1.53817 2 5 2011 West Cell phone Unqualified "Yes, 18+" Cell only Washington No No Under 25 "Some college, not completed" Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good $20K to less than $25K Female Not selected Not Selected 52343 12806 1.35117 2 5 2011 Northeast Cell phone Qualified Revolvers - small balance "Yes, 18+" Cell only New York Yes Two Three or Four Times You sometimes pay your credit card balances in full and sometimes carry a balance from month to month Less than $500 The amount and percentage of the bill that you pay each month varies from month to month Don't know 0 Don't know No No No No No Yes No Selected Not selected Not selected Not selected Not selected Yes No The Same Very fairly Somewhat Satisfied Somewhat Satisfied No Yes 1 Someone at your bank told you about it "You applied for card/cards that read/heard about and seemed attractive, but did not do a lot of comparative shopping" 5 - Extremely important 5 - Extremely Important 5 - Extremely Important 5 - Extremely Important 5 - Extremely Important 4 The permanent interest rate after the end of the introductory period Somewhat Familiar Somewhat helpful Under 25 Completed college No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You could probably come up with $2000 $40K to less than $50K Female Revolvers Not selected Selected Know neither interest paid nor APR 52359 12812 1.60712 2 5 2011 West Cell phone Unqualified "Yes, 18+" Cell only California No Yes You decided to close the account and make purchases in other ways such as with a debit card 45 to 49 "Some college, not completed" Yes 5 Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Hispanic Fair $15K to less than $20K Male Not selected Not Selected 52365 4137 1.35117 2 5 2011 Northeast Cell phone Qualified Revolvers - medium balance "Yes, 18+" Cell only Massachusetts Yes One Three or Four Times You sometimes pay your credit card balances in full and sometimes carry a balance from month to month $1000 to $1999 The amount and percentage of the bill that you pay each month varies from month to month Don't know 50 Don't know Don't know No No Don't know Yes Yes Don't know Selected Not selected Not selected Not selected Not selected Yes No Less Neither fairly nor unfairly Neither Satisfied nor Dissatisfied Somewhat Dissatisfied No No Not at all Familiar Under 25 Completed college No 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good Yes You could probably NOT come up with $2000 $25K to less than $30K Female Revolvers Not selected Selected Know neither interest paid nor APR 52385 4418 2.37324 2 5 2011 Midwest Cell phone Unqualified "Yes, 18+" Cell only Michigan No No 55 to 59 "Some high school, not completed" No 1 No Not selected Selected Not selected Not selected Not selected Not selected Not selected Black/African-American (non-Hispanic) Poor Under $15K Female Not selected Not Selected 51261 27752 2.08111 2 5 2011 Midwest Cell phone Qualified Revolvers - large balance "Yes, 18+" Cell only Indiana Yes Two More than Six Times You usually carry a balance from month to month on at least one of your cards $5000 or more You usually pay the same AMOUNT each month 600 0 Yes 14 Yes Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Yes Not selected Selected Not selected Not selected Not selected Not selected Not selected Not selected Yes Don't know No Not selected Not selected Selected Not selected Not selected No No The Same Somewhat fairly Somewhat Dissatisfied Neither Satisfied nor Dissatisfied No No Not Very Familiar Neither helpful nor unhelpful 45 to 49 Completed high school Yes 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair No You are certain you could come up with the full $2000 $75K to less than $100K Male Revolvers Selected Selected Know both interest paid and APR 52437 1885 1.55173 2 5 2011 South Cell phone Unqualified "Yes, 18+" Cell only Oklahoma No No Under 25 Completed high school No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good Under $15K Male Not selected Not Selected 52459 13967 1.84771 2 5 2011 West Cell phone Unqualified "Yes, 18+" Cell only California No Yes You decided to close the account and make purchases in other ways such as with a debit card 45 to 49 "Some college, not completed" No 1 Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Hispanic Good $50K to less than $75K Female Not selected Not Selected 52449 2299 1.67257 2 5 2011 Midwest Cell phone Qualified Transactors "Yes, 18+" Cell only Illinois Yes Three More than Six Times You always pay your credit card balances in full on all your cards 0 Don't know No No Don't know Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected No Yes No Not selected Not selected Selected Not selected Not selected Don't know Don't know The Same Somewhat fairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No Yes 1 Someone at your bank told you about it Other Not Very Familiar Neither helpful nor unhelpful Under 25 Completed college No 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You are certain you could come up with the full $2000 $50K to less than $75K Female Transactors Not selected Selected Don't know APR and have no balance 52452 2495 2.00916 2 5 2011 Midwest Cell phone Qualified Transactors "Yes, 18+" Cell only North Dakota Yes Refused More than Six Times You always pay your credit card balances in full on all your cards 0 Refused No No Refused Refused Don't know Yes No Not selected Not selected Selected Not selected Not selected Yes Yes Less Very fairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No Yes 1 Someone at a store at which you were shopping told you about it Other Not Very Familiar Don't know 45 to 49 Completed college Yes 4 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $75K to less than $100K Female Transactors Not selected Selected Refused at least one of the two questions 52491 9391 1.55173 2 5 2011 South Cell phone Unqualified "Yes, 18+" Cell only Georgia No No Under 25 Completed high school No 3 No Not selected Not selected Selected Not selected Not selected Not selected Not selected American Indian or Alaska Native (non-Hispanic) Excellent Refused Male Not selected Not Selected 52504 5966 1.30302 2 5 2011 South Cell phone Unqualified "Yes, 18+" Cell only Texas No Yes Other 25 to 34 Completed college No 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Poor $25K to less than $30K Male Not selected Not Selected 52549 8610 1.30302 2 5 2011 South Cell phone Unqualified "Yes, 18+" Cell only North Carolina No No Under 25 Completed college No 4 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Don't know $25K to less than $30K Male Not selected Not Selected 52551 8812 1.78403 2 5 2011 South Cell phone Unqualified "Yes, 18+" Cell only Kentucky No Yes You fell behind on your payments and the bank closed your account 25 to 34 Completed high school No 9 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair $20K to less than $25K Female Not selected Not Selected 52552 9799 1.30302 2 5 2011 South Cell phone Unqualified "Yes, 18+" Cell only Virginia No No 25 to 34 Completed college Yes 5 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Poor $100K or more Male Not selected Not Selected 51212 10912 1.08987 2 5 2011 South Cell phone Unqualified "Yes, 18+" Cell only Florida No No 70 to 74 Completed high school No 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair Under $15K Male Not selected Not Selected 52575 5240 2.56942 2 5 2011 South Cell phone Unqualified "Yes, 18+" Cell only Mississippi No Yes Other 45 to 49 "Some high school, not completed" Yes 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Don't know Under $15K Male Not selected Not Selected 52581 5413 1.49808 2 5 2011 South Cell phone Unqualified "Yes, 18+" Cell only Florida Yes Two You do not use any of your general purpose credit cards No 25 to 34 "Some college, not completed" Yes 5 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good $25K to less than $30K Female Not selected Not Selected 52583 704 1.39955 2 5 2011 Northeast Cell phone Unqualified "Yes, 18+" Cell only New York No No 25 to 34 Completed high school Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Poor $15K to less than $20K Male Not selected Not Selected 51712 7624 1.69701 2 5 2011 South Cell phone Qualified Revolvers - large balance "Yes, 18+" Cell only Georgia Yes One Once or Twice You usually carry a balance from month to month on at least one of your cards $5000 or more The amount and percentage of the bill that you pay each month varies from month to month 1200 0 Yes 19 Yes Selected Not selected Not selected Not selected Not selected Not selected Yes Yes Yes Not selected Not selected Not selected Selected Not selected Not selected Not selected Not selected Yes Yes Yes Not selected Selected Not selected Not selected Not selected Yes Yes More Very fairly Somewhat Satisfied Somewhat Satisfied Yes No Very Familiar Very helpful 45 to 49 "Some college, not completed" Yes 2 No Not selected Selected Not selected Not selected Not selected Not selected Not selected Black/African-American (non-Hispanic) Poor No You are certain you could come up with the full $2000 $75K to less than $100K Male Revolvers Not selected Selected Know both interest paid and APR 52614 9057 2.13897 2 5 2011 South Cell phone Unqualified "Yes, 18+" Cell only Maryland No No Under 25 "Some high school, not completed" No 2 No Selected Not selected Selected Not selected Not selected Not selected Not selected Other (non-Hispanic) Poor $15K to less than $20K Male Not selected Not Selected 52661 7224 1.30302 2 5 2011 South Cell phone Unqualified "Yes, 18+" Cell only Louisiana No No Under 25 Completed college No 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent $15K to less than $20K Male Not selected Not Selected 51609 8560 1.19436 2 6 2011 South Cell phone Qualified Transactors "Yes, 18+" Cell only Florida Yes One Three or Four Times You always pay your credit card balances in full on all your cards 0 Don't know No Yes Don't know No Selected Not selected Not selected Not selected Not selected Not selected Not selected Not selected Yes No Don't know Not selected Not selected Selected Not selected Not selected Yes Yes The Same Very fairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No Yes 1 You received something in the mail or via e-mail about the card(s) You shopped around and compared several different cards before selecting the card(s) for which you applied Somewhat difficult 5 - Extremely important 3 1 - Not at all important 1 - Not at all important 5 - Extremely Important 1 - Not at all important The fees charged on the card Somewhat Familiar Very helpful 50 to 54 Completed college No 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You are certain you could come up with the full $2000 $100K or more Female Transactors Selected Selected Don't know APR and have no balance 51516 5810 1.69701 2 6 2011 South Cell phone Unqualified "Yes, 18+" Cell only Texas Yes One You do not use any of your general purpose credit cards No 35 to 44 Completed college Yes 4 No Not selected Selected Not selected Not selected Not selected Not selected Not selected Black/African-American (non-Hispanic) Poor $25K to less than $30K Male Not selected Not Selected 51537 8216 1.23713 2 6 2011 South Cell phone Unqualified "Yes, 18+" Cell only Florida No Yes You fell behind on your payments and the bank closed your account 50 to 54 Completed high school No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Poor $40K to less than $50K Male Not selected Not Selected 50885 9994 1.03884 2 6 2011 South Cell phone Qualified Transactors "Yes, 18+" Cell only Virginia Yes Three More than Six Times You always pay your credit card balances in full on all your cards 0 Yes 15 No Yes Don't know Don't know Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Don't know Don't know Don't know Don't know Don't know The Same Neither fairly nor unfairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No No Somewhat Familiar Somewhat helpful 55 to 59 Completed college Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $100K or more Male Transactors Not selected Selected Know APR and have no balance 51846 10133 1.03884 2 6 2011 South Cell phone Qualified Revolvers - large balance "Yes, 18+" Cell only Florida Yes Two Five or Six Times You usually carry a balance from month to month on at least one of your cards $5000 or more The amount and percentage of the bill that you pay each month varies from month to month 19 0 Yes 18 No Yes Yes Yes Selected Not selected Not selected Not selected Not selected Not selected Not selected Not selected Yes Yes Yes Selected Selected Not selected Not selected Not selected Yes Yes More Neither fairly nor unfairly Somewhat Dissatisfied Neither Satisfied nor Dissatisfied No No Somewhat Familiar Somewhat helpful 55 to 59 "Some college, not completed" No 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Poor No You are certain you could NOT raise the full $2000 $75K to less than $100K Male Revolvers Selected Selected Know both interest paid and APR 51747 5469 1.19436 2 6 2011 South Cell phone Qualified Revolvers - small balance "Yes, 18+" Cell only Arkansas Yes Three Once or Twice You sometimes pay your credit card balances in full and sometimes carry a balance from month to month $500 to $999 The amount and percentage of the bill that you pay each month varies from month to month Don't know 0 Yes 10.99 Yes Selected Not selected Not selected Not selected Not selected Not selected Yes Don't know Yes Selected Not selected Not selected Not selected Not selected Not selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected No No Less Neither fairly nor unfairly Extremely Dissatisfied Somewhat Satisfied No No Not at all Familiar 60 to 64 Completed college Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $20K to less than $25K Female Revolvers Selected Selected Know APR but not interest paid 52593 13265 1.53817 2 6 2011 West Cell phone Qualified Transactors "Yes, 18+" Cell only California Yes Three Don't know You always pay your credit card balances in full on all your cards Don't know Don't know Yes Not selected Not selected Not selected Not selected Selected Not selected Don't know No Don't know Yes Yes Yes Not selected Selected Not selected Not selected Not selected Yes No The Same Very fairly Somewhat Dissatisfied Neither Satisfied nor Dissatisfied No No Not Very Familiar Neither helpful nor unhelpful 25 to 34 Post graduate work No 1 No Not selected Not selected Not selected Selected Not selected Not selected Not selected Asian/Pacific Islander (non-Hispanic) Fair No You could probably come up with $2000 Under $15K Female Transactors Not selected Selected Don't know APR and have no balance 52761 7490 1.78403 2 6 2011 South Cell phone Unqualified "Yes, 18+" Cell only Louisiana No No 25 to 34 Completed high school Yes 5 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent $30K to less than $40K Female Not selected Not Selected 52805 5476 1.9606 2 6 2011 South Cell phone Unqualified "Yes, 18+" Cell only Texas No No 55 to 59 "Some high school, not completed" No 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair Under $15K Female Not selected Not Selected 52800 8603 1.62881 2 6 2011 South Cell phone Unqualified "Yes, 18+" Cell only Virginia No No 70 to 74 "Some high school, not completed" Yes 1 No Not selected Selected Not selected Not selected Not selected Not selected Not selected Black/African-American (non-Hispanic) Fair Under $15K Male Not selected Not Selected 52834 11823 2.52498 2 6 2011 West Cell phone Unqualified "Yes, 18+" Cell only Arizona No No 25 to 34 Completed grade school or less No 8 No Not selected Not selected Selected Not selected Not selected Not selected Not selected American Indian or Alaska Native (non-Hispanic) Poor Under $15K Female Not selected Not Selected 50585 11513 1.33788 2 6 2011 West Cell phone Qualified Transactors "Yes, 18+" Cell only California Yes Three More than Six Times You always pay your credit card balances in full on all your cards 0 Yes 18 No Don't know Don't know Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Don't know Not selected Not selected Selected Not selected Not selected No No The Same Neither fairly nor unfairly Extremely Dissatisfied Neither Satisfied nor Dissatisfied No No Not at all Familiar 25 to 34 Completed college No 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $25K to less than $30K Male Transactors Not selected Selected Know APR and have no balance 52883 26869 1.60712 2 6 2011 West Cell phone Qualified Transactors "Yes, 18+" Cell only Oregon Yes One Five or Six Times You always pay your credit card balances in full on all your cards 35 Don't know No Yes No Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes Don't know Not selected Not selected Selected Not selected Not selected Don't know Yes Less Somewhat unfairly Somewhat Dissatisfied Somewhat Dissatisfied No Yes 1 Other Other Not Very Familiar Neither helpful nor unhelpful 45 to 49 Completed college No 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair No You are certain you could come up with the full $2000 $30K to less than $40K Male Transactors Not selected Selected Don't know APR and have no balance 52906 10311 1.49808 2 6 2011 South Cell phone Unqualified "Yes, 18+" Cell only Florida No Yes Other 25 to 34 Completed college No 2 Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Hispanic Good $40K to less than $50K Female Not selected Not Selected 52924 1340 1.60907 2 7 2011 Northeast Cell phone Unqualified "Yes, 18+" Cell only New Jersey No No Under 25 Completed high school No 5 No Selected Not selected Not selected Selected Not selected Not selected Not selected Other (non-Hispanic) Fair $75K to less than $100K Female Not selected Not Selected 52923 1492 1.51738 2 7 2011 Northeast Cell phone Unqualified "Yes, 18+" Cell only New York No No Under 25 Completed high school No 5 No Selected Selected Not selected Selected Not selected Not selected Not selected Other (non-Hispanic) Don't know Refused Male Not selected Not Selected 52948 5681 1.30302 2 7 2011 South Cell phone Qualified Revolvers - small balance "Yes, 18+" Cell only Oklahoma Yes Two Once or Twice You sometimes pay your credit card balances in full and sometimes carry a balance from month to month Less than $500 You usually pay only the MINIMUM AMOUNT due each month 10 50 Don't know No Yes Don't know Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Don't know Yes No Not selected Not selected Selected Not selected Not selected Yes Yes More Very fairly Extremely Satisfied Extremely Satisfied No No Not at all Familiar 25 to 34 "Some college, not completed" No 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair No You are certain you could come up with the full $2000 $75K to less than $100K Male Revolvers Not selected Selected Know interest paid but not APR 52660 5465 1.1263 2 7 2011 South Cell phone Unqualified "Yes, 18+" Cell only Tennessee No Yes You decided to close the account and make purchases in other ways such as with a debit card 60 to 64 "Some college, not completed" Yes 2 No Not selected Selected Not selected Not selected Not selected Not selected Not selected Black/African-American (non-Hispanic) Poor $25K to less than $30K Male Not selected Not Selected 52965 9303 1.30302 2 7 2011 South Cell phone Qualified Revolvers - small balance "Yes, 18+" Cell only Virginia Yes One Once or Twice You usually carry a balance from month to month on at least one of your cards Less than $500 You usually pay the same PERCENTAGE of the bill each month 300 200 Yes 22 No No No No Yes Yes No Not selected Not selected Selected Not selected Not selected No No Less Neither fairly nor unfairly Somewhat Dissatisfied Neither Satisfied nor Dissatisfied No Yes 1 You received something in the mail or via e-mail about the card(s) "You applied for card/cards that read/heard about and seemed attractive, but did not do a lot of comparative shopping" 1 - Not at all important 5 - Extremely Important 3 3 5 - Extremely Important 3 The permanent interest rate after the end of the introductory period Not at all Familiar Under 25 "Some college, not completed" No 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair Yes You are certain you could NOT raise the full $2000 $20K to less than $25K Male Revolvers Not selected Selected Know both interest paid and APR 50974 10457 1.6242 2 7 2011 South Cell phone Qualified Revolvers - small balance "Yes, 18+" Cell only West Virginia Yes Four or More Once or Twice You usually carry a balance from month to month on at least one of your cards $500 to $999 You usually pay the same AMOUNT each month 100 0 Yes 11.6 No Yes Yes Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes No Yes Not selected Not selected Selected Not selected Not selected Yes Yes More Very fairly Somewhat Satisfied Somewhat Satisfied No No Not at all Familiar 25 to 34 Completed college Yes 4 No Not selected Selected Not selected Not selected Not selected Not selected Not selected Black/African-American (non-Hispanic) Good No You could probably NOT come up with $2000 $25K to less than $30K Female Revolvers Not selected Selected Know both interest paid and APR 51677 7200 1.30302 2 7 2011 South Cell phone Unqualified "Yes, 18+" Cell only Texas No Yes You decided to close the account and make purchases in other ways such as with a debit card Under 25 Completed college No 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Poor Under $15K Male Not selected Not Selected 50476 6317 1.864 2 7 2011 South Cell phone Unqualified "Yes, 18+" Cell only Texas No No 45 to 49 Completed high school Yes 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good $40K to less than $50K Male Not selected Not Selected 52992 7845 1.79956 2 7 2011 South Cell phone Unqualified "Yes, 18+" Cell only Florida Yes Two You do not use any of your general purpose credit cards No 35 to 44 Post graduate work No 2 Yes Selected Not selected Not selected Not selected Not selected Not selected Not selected Hispanic Excellent $50K to less than $75K Female Not selected Not Selected 52997 8952 1.49808 2 7 2011 South Cell phone Qualified Revolvers - small balance "Yes, 18+" Cell only Florida Yes One Once or Twice You usually carry a balance from month to month on at least one of your cards Less than $500 The amount and percentage of the bill that you pay each month varies from month to month 200 80 Yes 19 No Yes No No Not selected Not selected Selected Not selected Not selected Not selected Not selected Not selected No Yes No Not selected Not selected Selected Not selected Not selected Yes No Less Somewhat fairly Extremely Dissatisfied Extremely Dissatisfied No No Not at all Familiar 25 to 34 "Some college, not completed" No 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Poor No You are certain you could come up with the full $2000 $20K to less than $25K Female Revolvers Selected Selected Know both interest paid and APR 52793 6579 1.41271 2 7 2011 South Cell phone Unqualified "Yes, 18+" Cell only Texas No No 25 to 34 "Some college, not completed" No 3 No Selected Selected Not selected Not selected Not selected Not selected Not selected Other (non-Hispanic) Don't know Under $15K Male Not selected Not Selected 53010 5279 1.03884 2 7 2011 South Cell phone Unqualified "Yes, 18+" Cell only Texas No No 50 to 54 "Some college, not completed" No 1 No Selected Not selected Selected Not selected Not selected Not selected Not selected Other (non-Hispanic) Poor $15K to less than $20K Male Not selected Not Selected 52234 2274 1.45478 2 7 2011 Midwest Cell phone Qualified Transactors "Yes, 18+" Cell only Wisconsin Yes Two Three or Four Times You always pay your credit card balances in full on all your cards 0 Don't know No Don't know Don't know Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected No No The Same Very fairly Somewhat Satisfied Extremely Satisfied No No Very Familiar Somewhat unhelpful 25 to 34 Post graduate work No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You are certain you could come up with the full $2000 $75K to less than $100K Male Transactors Not selected Selected Don't know APR and have no balance 53018 11961 1.27417 2 7 2011 Northeast Cell phone Unqualified "Yes, 18+" Cell only New York No No Under 25 "Some college, not completed" No 1 Yes Not selected Selected Not selected Not selected Not selected Not selected Not selected Hispanic Good Under $15K Male Not selected Not Selected 53019 11624 1.46039 2 7 2011 West Cell phone Qualified "Yes, 18+" Cell only Colorado Yes One Once or Twice You usually carry a balance from month to month on at least one of your cards Refused The amount and percentage of the bill that you pay each month varies from month to month Don't know 50 Yes 0.21 Yes Selected Not selected Not selected Not selected Not selected Not selected Yes No No Not selected Not selected Selected Selected Selected Not selected Not selected Not selected Yes Yes No Selected Not selected Not selected Not selected Not selected Yes Yes Less Neither fairly nor unfairly Extremely Dissatisfied Somewhat Dissatisfied No No Somewhat Familiar Somewhat helpful 50 to 54 Completed high school No 3 Yes Selected Not selected Not selected Not selected Not selected Not selected Not selected Hispanic Fair No You are certain you could come up with the full $2000 $100K or more Female Selected Selected Know APR but not interest paid 53021 11082 1.75094 2 7 2011 West Cell phone Qualified Revolvers - large balance "Yes, 18+" Cell only Hawaii Yes Four or More Once or Twice You usually carry a balance from month to month on at least one of your cards $5000 or more The amount and percentage of the bill that you pay each month varies from month to month 400 0 Yes 0.19 No Yes Yes Yes Selected Selected Not selected Not selected Selected Not selected Not selected Not selected Yes Yes Yes Not selected Selected Not selected Not selected Not selected Yes Yes The Same Very fairly Somewhat Satisfied Somewhat Satisfied No No Somewhat Familiar Somewhat helpful 60 to 64 "Some high school, not completed" No 6 No Not selected Not selected Not selected Selected Not selected Not selected Not selected Asian/Pacific Islander (non-Hispanic) Good No You could probably NOT come up with $2000 $30K to less than $40K Male Revolvers Selected Selected Know both interest paid and APR 53051 9824 1.34128 2 8 2011 South Cell phone Unqualified "Yes, 18+" Cell only Florida No No 50 to 54 Completed high school No 2 No Not selected Selected Not selected Not selected Not selected Not selected Not selected Black/African-American (non-Hispanic) Poor Under $15K Male Not selected Not Selected 52137 9939 1.67257 2 8 2011 Midwest Cell phone Qualified Revolvers - large balance "Yes, 18+" Cell only Indiana Yes One Once or Twice You sometimes pay your credit card balances in full and sometimes carry a balance from month to month $4000 to $4999 The amount and percentage of the bill that you pay each month varies from month to month 2000 0 Yes 22.9 Yes Selected Not selected Not selected Not selected Not selected Not selected Yes Yes Yes Selected Not selected Selected Not selected Not selected Not selected Not selected Not selected Yes Yes Don't know Selected Not selected Not selected Not selected Not selected Yes Yes The Same Very fairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No No Not Very Familiar Somewhat helpful 25 to 34 "Some college, not completed" Yes 4 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You are certain you could come up with the full $2000 $40K to less than $50K Female Revolvers Selected Selected Know both interest paid and APR 51367 272 1.59325 2 8 2011 West Cell phone Unqualified "Yes, 18+" Cell only Arizona No No Under 25 Completed high school No 5 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good $30K to less than $40K Male Not selected Not Selected 51701 1600 1.53808 2 8 2011 Northeast Cell phone Unqualified "Yes, 18+" Cell only New York No Yes You decided to close the account and make purchases in other ways such as with a debit card 55 to 59 "Some high school, not completed" Yes 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good $75K to less than $100K Male Not selected Not Selected 50249 3639 2.25631 2 8 2011 Midwest Cell phone Unqualified "Yes, 18+" Cell only Ohio No No 45 to 49 Completed high school No 1 No Not selected Selected Not selected Not selected Not selected Not selected Not selected Black/African-American (non-Hispanic) Poor Under $15K Male Not selected Not Selected 53073 4821 2.1595 2 8 2011 Midwest Cell phone Unqualified "Yes, 18+" Cell only Michigan No No Under 25 Completed high school No 5 No Not selected Selected Not selected Not selected Not selected Not selected Not selected Black/African-American (non-Hispanic) Excellent $15K to less than $20K Female Not selected Not Selected 53109 8688 2.13897 2 8 2011 South Cell phone Qualified Transactors "Yes, 18+" Cell only Florida Yes One Once or Twice You always pay your credit card balances in full on all your cards 3000 Yes 0.12 No Yes Yes Yes Not selected Not selected Not selected Selected Not selected Not selected Not selected Not selected Yes Yes No Selected Not selected Not selected Not selected Not selected No No More Somewhat unfairly Somewhat Satisfied Somewhat Satisfied No No Not at all Familiar Under 25 "Some high school, not completed" No 1 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Excellent No You could probably come up with $2000 $25K to less than $30K Male Transactors Not selected Selected Know APR and have no balance 50735 12541 1.54253 2 8 2011 West Cell phone Unqualified "Yes, 18+" Cell only California No No 70 to 74 "Some high school, not completed" Yes 1 No Selected Not selected Selected Not selected Not selected Not selected Not selected Other (non-Hispanic) Fair Under $15K Male Not selected Not Selected 53142 542 1.17523 2 8 2011 Northeast Cell phone Qualified Revolvers - medium balance "Yes, 18+" Cell only New York Yes Four or More More than Six Times You usually carry a balance from month to month on at least one of your cards $1000 to $1999 The amount and percentage of the bill that you pay each month varies from month to month 300 50 Yes 17 No Don't know No No Yes Yes Don't know Not selected Not selected Selected Not selected Not selected No No The Same Somewhat fairly Somewhat Dissatisfied Somewhat Satisfied No No Not Very Familiar Neither helpful nor unhelpful 25 to 34 Completed college No 2 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You are certain you could come up with the full $2000 $75K to less than $100K Male Revolvers Not selected Selected Know both interest paid and APR 50800 14016 1.59325 2 8 2011 West Cell phone Unqualified "Yes, 18+" Cell only California No No Under 25 Completed high school No 6 No Selected Not selected Not selected Selected Not selected Not selected Not selected Other (non-Hispanic) Good Don't know Male Not selected Not Selected 53157 13092 1.59325 2 8 2011 West Cell phone Unqualified "Yes, 18+" Cell only Oregon No Yes Other 25 to 34 Completed high school Yes 5 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Don't know $15K to less than $20K Male Not selected Not Selected 53209 1917 1.81338 2 8 2011 Midwest Cell phone Unqualified "Yes, 18+" Cell only Illinois No No 25 to 34 "Some college, not completed" No 2 No Not selected Selected Not selected Not selected Not selected Not selected Not selected Black/African-American (non-Hispanic) Good $50K to less than $75K Female Not selected Not Selected 52313 2837 1.35117 2 8 2011 Northeast Cell phone Qualified Transactors "Yes, 18+" Cell only Massachusetts Yes One More than Six Times You always pay your credit card balances in full on all your cards 0 Don't know No No No Yes Not selected Not selected Not selected Not selected Not selected Selected Not selected Not selected Yes Yes No Not selected Not selected Selected Not selected Not selected No No Less Very fairly Neither Satisfied nor Dissatisfied Neither Satisfied nor Dissatisfied No No Not Very Familiar Neither helpful nor unhelpful Under 25 Completed college No 3 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Good No You could probably come up with $2000 Under $15K Female Transactors Not selected Selected Don't know APR and have no balance 53217 3200 2.00916 2 8 2011 Midwest Cell phone Qualified "Yes, 18+" Cell only Illinois Yes One Once or Twice You sometimes pay your credit card balances in full and sometimes carry a balance from month to month Refused You usually pay the same PERCENTAGE of the bill each month 100 0 Yes 0.29 No No No No Yes Yes No Not selected Not selected Selected Not selected Not selected Yes Yes Less Somewhat unfairly Extremely Dissatisfied Neither Satisfied nor Dissatisfied No No Not at all Familiar 35 to 44 "Some college, not completed" No 5 No Selected Not selected Not selected Not selected Not selected Not selected Not selected White (non-Hispanic) Fair No You could probably NOT come up with $2000 $40K to less than $50K Female Not selected Selected Know both interest paid and APR