What principle by the vast majority of consumers already clearly should be confirmed now a study by the University of New York: Who pays by credit card tends to spend money rather than with the use of “real” money.

The study of the New York University included various testing situations, with the results of the whole unequivocally make it clear that the payment with banknotes more “painful” than the use of plastic money, coupons, etc.

In the first part of the study was 114 people a restaurant menu presented. The test subjects had to specify how much food they are prepared to pay, with a portion of the test subjects were equipped with cash, the other part with credit cards. The result underscores the indexed statement that the payment with plastic money rather than leads to wastage if cash is needed.

Another test situation contains 28 test subjects, which the typical purchase of consumer goods such as soups, ketchup toothbrushes or partly with cash and partly via gift certificates should realize. Here, too, showed that the voucher in the pocket like play money will be treated and purchasing the affected much easier.

The psychological explanation of observed phenomena is disconnection primarily in pain when paying with cash to see. This is for credit card use at the moment of purchase is not present in equal measure since it at the end of the month or the next billing period will be moved.