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

Paul Conrad Henry and Marylouise Caldwell

Journal of Global Scholars of Marketing Science, 2017, vol. 27, issue 2, 79-92

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

Date: 2017
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DOI: 10.1080/21639159.2017.1283796

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