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Use of Reminders for Credit Card Payments: Experimental Evidence from Chile

General Information

Project description

In the study, the effectiveness of four reminder messages was evaluated through an online laboratory experiment involving 2,963 participants. The content of these messages was designed based on evidence from behavioural sciences, and their effect was contrasted with that of a simple, brief, and direct message (control message). The impact of the reminders was measured through four outcome variables: the action participants declared they would take after receiving the message, understanding and clarity of the content, and confidence in the received message. The experiment concluded that the most effective message is the one labelled “Full Payment (T2),” which, in addition to reminding of the payment due date, encourages the payment of the total billed amount by informing that it is the only way to avoid additional interest charges.

Detailed information

Final report: Is there a final report presenting the results and conclusions of this project?


Final report

Data Exclusion

Incomplete surveys

Who is behind the project?

Institution: Servicio Nacional del Consumidor (SERNAC)
Team: SERNAC Nudge Unit

Project status:



Methodology: Online Experiment
Could you self-grade the strength of the evidence generated by this study?: 5

What is the project about?

Policy area(s): Consumer policy, Finance
Topic(s): Decision-making

Date published:

26 November 2023

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