How Many Cards Do You Use?

33 Pages Posted: 20 Jan 2014 Last revised: 14 Jul 2014

Date Written: July 13, 2014


This paper investigates how buyers allocate their spending among debit, credit, and prepaid cards. Using the 2012 Diary of Consumer Payment Choice, I show that consumers tend to concentrate the majority of their transactions and a large value of their transactions on a single type of card. The paper also investigates whether buyers concentrate their spending on one of the card networks, a behavior known as "single-homing."

Keywords: Payment card use, choice of payment cards, multi-homing, single-homing

JEL Classification: D14

Suggested Citation

Shy, Oz, How Many Cards Do You Use? (July 13, 2014). Available at SSRN: or

Oz Shy (Contact Author)

Independent ( email )

No Address Available

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