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Shy and Stavins (2015) showed that in 2012 U.S. merchants rarely took advantage of their recent freedom to differentiate prices based on the method of payment use. The authors of this paper use new data from the 2015 Diary of Consumer Payment Choice to analyze price discounts and surcharges...
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accounts or pay late fees or cash-advance fees on their credit cards is higher than the percentage of White consumers who pay …
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