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Selected Business Article
Millennials Are Saying No to
Credit Cards
http://money.cnn.com/2014/09/08/pf/millennials-credit-cards/
Jessica Harrington Professor Klinkowstein
Jessica Harrington Professor Klinkowstein
Summary
• 6 out of 10 don’t own a credit card
Jessica Harrington Professor Klinkowstein
Summary
• Bad economy and fearing debt
Jessica Harrington Professor Klinkowstein
Summary
• Good credit score is essential
Jessica Harrington Professor Klinkowstein
Setting / Activity for Ethnographic Observation
Millennials buying things at book store with credit or debit card.
Jessica Harrington Professor Klinkowstein
Jessica Harrington Professor Klinkowstein
Ethnographic Research, Millennials Using a Credit or Debit Card
Jessica Harrington Professor Klinkowstein
Ethnographic Research, Millennials Using a Credit or Debit Card
Jessica Harrington Professor Klinkowstein
Ethnographic Research, Millennials Using a Credit or Debit Card
Jessica Harrington Professor Klinkowstein
Ethnographic Research, Millennials Using a Credit or Debit Card
Jessica Harrington Professor Klinkowstein
Ethnographic Research, Millennials Using a Credit or Debit Card
Jessica Harrington Professor Klinkowstein
Ethnographic Research, Millennials Using a Credit or Debit Card
Jessica Harrington Professor Klinkowstein
Ethnographic Research, Millennials Using a Credit or Debit Card
Jessica Harrington Professor Klinkowstein
Ethnographic Research Observations
Jessica Harrington Professor Klinkowstein
• All but one of the students observed used debit cards or cash to purchase items
Ethnographic Research Observations
Jessica Harrington Professor Klinkowstein
• Students observed did not make big purchases, only small items from bookstore
Ethnographic Research Observations
Jessica Harrington Professor Klinkowstein
• One man who bought a grey hoodie did not respond to the cashier when she said hi to and asked him about his day
Ethnographic Research Observations
Jessica Harrington Professor Klinkowstein
• Students didn’t seem to spend more than $30. They probably don’t have that much spending money.
Ethnographic Research Observations
Jessica Harrington Professor Klinkowstein
• Male students seemed more anxious about talk to the cashier than women. (talked quickly, less eye contact)
Ethnographic Research Findings
Jessica Harrington Professor Klinkowstein
• Students don’t need bank credit cards because they’re not purchasing expensive things. A store credit card would possibly attract people.