In study 2, we divided factors which influenced revolving credit use and petty installment use into four categories-demographic, attitude, personality, credit card related features according to traditional marketing research. 在研究二中,我们系统分析了人口统计变量、态度变量、人格特质变量、信用卡属性特征变量这四类变量对消费者循环信用和小额分期付款使用频率具体影响作用。