The full text on this page is automatically extracted from the file linked above and may contain errors and inconsistencies.
2010 Survey of Consumer Payment Choice
2010 SCPC Questionnaire
RAND American Life Panel MS142 and “My Household Questionnaire”
October, 2010
***Pink text*** = comments
Preliminaries (related to MHQ)
If calcage = empty then
(IN002) What is your birth date?
o (birthmonth) Range of Months: January-December
o (birthday) Range of Days: 1-31
o (birthyear) Range of years: 1911-1999
end if
If internetlocation = empty then
(internetlocation) We would like to know how you are communicating with us. From
what location are you currently connected to the internet?
o 1 Home
o 2 Work
o 3 Internet café, library, etc.
o 4 Elsewhere
end if
(cellphone) Do you have a cell phone?
o 1 Yes
o 2 No
If cellphone = 1 then
CPADOPTER := 1
(smartphone) Does your cell phone have any of the following features?
Yes
No
(smartphone_a)
1
2
Text/SMS with no texting plan
(smartphone_b)
1
2
Text/SMS with texting plan
(smartphone_c)
1
2
Web browsing
(smartphone_d)
1
2
Smart phone such as iPhone,
Android or BlackBerry
Else
CPADOPTER := 0
ENDIF
If familyincome = empty then
(familyincome) Which Category represents the total combined income of all members of
your family (living here) during the past 12 months? This includes money from jobs, net income
©2008-2010 Federal Reserve Bank of Boston. All rights reserved. www.bostonfed.org
1
2010 Survey of Consumer Payment Choice
from business, farm or rent, pensions, dividends, interest, social security payments and any
other money income received by members of your family who are 15 years of age or older.
o 1 Less than $5,000
o 2 $5,000-$7,499
o 3 $7,500-$9,999
o 4 $10,000-$12,499
o 5 $12,500-$14,999
o 6 $15,000-$19,999
o 7 $20,000-$24,999
o 8 $25,000-$29,999
o 9 $30,000-$34,999
o 10 $35,000-$39,999
o 11 $40,000-$49,999
o 12 $50,000-$59,999
o 13 $60,000-$74,999
o 14 $75,000 or more
end if
(surveyintro) Thank you for taking this survey. We are studying consumer payment preferences.
As always, your answers are collected anonymously and will never be linked to your name.
Answer for yourself unless instructed to answer for your entire household.
Do not include any payments related to a business you own or work for, except payments that are made
for both your work and yourself.
CLICK on any underlined word to see its definition.
Try to answer all questions the best you can, even if:
*You are unsure of your answer.
* You do not have or use the payment method.
I.
Financial Responsibility (FR)
(FR001_intro) First, help us to understand your role in the financial activity of your household.
In your household, how much responsibility do you have for these tasks? Check one per row
only.
1 None or
almost none
2 Some
3 Shared
equally with
other
household
members
(FR001_a)
Budgeting &
managing
©2008-2010 Federal Reserve Bank of Boston. All rights reserved. www.bostonfed.org
2
4 Most
5 All or
almost all
2010 Survey of Consumer Payment Choice
income
(FR001_b)
Paying bills
(FR001_c)
Shopping
(FR001_d)
Investing &
managing
assets
Common Payment Methods
Cash
Check
Debit card
Credit card
Prepaid card
Bank account number
Online banking bill pay
Coins and paper bills.
A piece of paper directing a financial institution to pay a specific amount of
money to a person or business.
A card that deducts directly from your bank account.
A card that allows the cardholder to make a purchase that will be paid back to
the credit card company later.
A card that has money stored or loaded onto the card. Also known as stored
value cards or gift cards.
A payment made by providing your bank account number to a third party,
such as your employer or a utility company. You can give your number on
websites, paper forms, etc.
A bill payment made from your bank’s online banking website. This payment
does not require you or your bank to disclose your bank account number to a
third party.
For each question, please rate the characteristics of all payment methods, even if you do not have or
use all of them.
II.
Assessment of Characteristics (AS)
SECURITY
Suppose a payment method has been stolen, misused, or accessed without the owner’s permission.
Please rate the SECURITY of each method against permanent financial loss or unwanted disclosure of
personal information.
Please choose one answer in each row for all payment methods.
1
2
3
Very Risky
Risky
Neither risky
nor secure
AS003_a{.}
Cash
AS003_b{.}
Check
©2008-2010 Federal Reserve Bank of Boston. All rights reserved. www.bostonfed.org
3
4
Secure
5
Very Secure
2010 Survey of Consumer Payment Choice
AS003_c{.}
Debit card
AS003_d{.}
Credit card
AS003_e{.}
Prepaid card
AS003_f{.}
Bank account
number
AS003_g{.}
Online banking
bill pay
ACCEPTANCE FOR PAYMENT
Please rate how likely each payment method is to be ACCEPTED for payment by stores, companies,
online merchants, and other people or organizations.
Please choose one answer in each row for all payment methods.
1
Rarely
accepted
2
Occasionally
accepted
3
Often
accepted
4
Usually
accepted
5
Almost always
accepted
AS003_a{.}
Cash
AS003_b{.}
Check
AS003_c{.}
Debit card
AS003_d{.}
Credit card
AS003_e{.}
Prepaid card
AS003_f{.}
Bank account
number
AS003_g{.}
Online banking
bill pay
COST
Please rate the COST of using each payment method.
Examples: fees, penalties, postage, interest paid or lost, subscriptions, or materials raise the cost; cash
discounts and rewards (like frequent flyer miles) reduce the cost.
Please choose one answer in each row for all payment methods.
©2008-2010 Federal Reserve Bank of Boston. All rights reserved. www.bostonfed.org
4
2010 Survey of Consumer Payment Choice
1
Very high cost
2
High cost
3
Neither high
nor low cost
4
Low cost
5
Very low cost
AS003_a{.}
Cash
AS003_b{.}
Check
AS003_c{.}
Debit card
AS003_d{.}
Credit card
AS003_e{.}
Prepaid card
AS003_f{.}
Bank account
number
AS003_g{.}
Online banking
bill pay
CONVENIENCE
Please rate the CONVENIENCE of each payment method.
Examples: speed, control over payment timing, ease of use, effort to carry, ability to keep or store.
Please choose one answer in each row for all payment methods.
1
Very
inconvenient
2
Inconvenient
3
Neither
inconvenient
nor convenient
AS003_a{.}
Cash
AS003_b{.}
Check
AS003_c{.}
Debit card
AS003_d{.}
Credit card
AS003_e{.}
Prepaid card
AS003_f{.}
Bank account
number
AS003_g{.}
Online banking
bill pay
©2008-2010 Federal Reserve Bank of Boston. All rights reserved. www.bostonfed.org
5
4
Convenient
5
Very
convenient
2010 Survey of Consumer Payment Choice
GETTING & SETTING UP
Rate the task of getting or setting up each payment method before you can use it.
Examples: getting cash at the ATM, length of time to get or set up, paperwork, learning to use or install
it, or travel.
Please choose one answer in each row for all payment methods.
1
Very hard to
get or set up
2
Hard to get or
set up
3
Neither hard
nor easy
4
Easy to get or
set up
5
Very easy to
get or set up
AS003_a{.}
Cash
AS003_b{.}
Check
AS003_c{.}
Debit card
AS003_d{.}
Credit card
AS003_e{.}
Prepaid card
AS003_f{.}
Bank account
number
AS003_g{.}
Online banking
bill pay
PAYMENT RECORDS
Rate the quality of records offered by each payment method. Consider both paper and electronic
records.
Examples: proof of purchase, account balances, spending history, usefulness in correcting errors or
dispute resolution, or ease of storage.
Please choose one answer in each row for all payment methods.
1
Very poor
records
2
Poor records
3
Neither good
nor poor
AS003_a{.} Cash
AS003_b{.}
Check
AS003_c{.} Debit
©2008-2010 Federal Reserve Bank of Boston. All rights reserved. www.bostonfed.org
6
4
Good records
5
Very good
records
2010 Survey of Consumer Payment Choice
card
AS003_d{.}
Credit card
AS003_e{.}
Prepaid card
AS003_f{.} Bank
account number
AS003_g{.}
Online banking bill
pay
(AS012_Intro) Please rank the importance of each payment characteristic when you decide
which payment method to use.
***A randomized table is created with the 6 variables for respondent to rate from 1 to 6*
Least
important
1
2
3
4
5
Most
important
6
(AS012_a)Acceptance for Payment
(AS012_b) Getting & Setting up
(AS012_d)Cost
(AS012_e)Convenience
(AS012_f) Payment records
(AS012_h) Security
(AS004) How do you rate the security of the following locations of making a payment?
***randomize order of categories****
1
2
3
4
5
Very Risky
Risky
Neither risky
Secure
Very Secure
nor secure
(AS004_a)
In person
(AS004_b)
Online
(AS004_c)
By mail
©2008-2010 Federal Reserve Bank of Boston. All rights reserved. www.bostonfed.org
7
2010 Survey of Consumer Payment Choice
(AS004_d)
By phone
(AS004_e)
Mobile
(AS005) Rating the security of debit cards
Debit card payments sometimes require you to
o Enter a Personal Identification Number (PIN)
o Give your signature
o No PIN or signature, typically for small dollar values
o Card number entered online
How would you rate the security of each type of debit card transaction?
1
Very Risky
2
Risky
3
Neither risky
nor secure
4
Secure
5
Very Secure
(AS005_a)
PIN debit card
(AS005_b)
Signature debit
card
(AS005_c)
No PIN and no
signature debit
card
(AS005_d)
Using a debit
card online
III.
Payment Adoption (PA)
(PA001) Please tell us the types of accounts you have that allow you to make payments.
Money market accounts are similar to regular savings accounts, but they usually pay
higher interest, have higher minimum balance requirements, and only allow three to six
withdrawals per month. Also, many money market accounts will let you write a small
number of checks each month.
A non-bank online payment account is a payment service provided by a company that is
not a bank. These services allow a consumer to send and receive money online. Examples
of non-bank online payment services include PayPal, Google Checkout and Amazon
Payments.
If none, please enter 0.
©2008-2010 Federal Reserve Bank of Boston. All rights reserved. www.bostonfed.org
8
2010 Survey of Consumer Payment Choice
o
o
o
o
(PA001_a) Number of checking accounts
(PA001_b) Number of savings accounts
(PA001_c)Number of money market accounts
(PA001_d) Number of non-bank online payment accounts
If PA001_d > 0 then
PPADOPTER = 1
Else
PPADOPTER = 0
Endif
IF PA001_a > 0 THEN
CHKADOPTER := 1
else
CHKADOPTER := 0
ENDIF
IF PA001_b > 0 THEN
SAVADOPTER := 1
else
SAVADOPTER := 0
ENDIF
If PA001_c > 0 THEN
MMADOPTER := 1
If PA001_c > 1 then
(PA047) Do any of your money market accounts allow you to write checks or make
bank account number payments?
o
o
1 Yes
2 No
Else
(PA047)Does your money market account allow you to write checks or make bank
account number payments?
o
o
1 Yes
2 No
Endif
Else
MMADOPTER := 0
ENDIF
If pa047 = 1 then
Mmcadopter := 1
Else
Mmcadopter := 0
endif
©2008-2010 Federal Reserve Bank of Boston. All rights reserved. www.bostonfed.org
9
2010 Survey of Consumer Payment Choice
IF PA001_a > 0 OR PA001_b > 0 or PA001_c > 0 THEN
BAADOPTER := 1
else
BAADOPTER := 0
ENDIF
If chkadopter = 0 then
(PA002)Please choose the most important reason why don’t you have a checking
account.
****randomize 1-6, and always keep 7 as “other”***
o 1 I don’t write enough checks to make it worthwhile
o 2 The minimum balance is too high
o 3 I don’t like dealing with banks
o 4 The fees and service charges are too high
o 5 No bank has convenient hours or location
o 6 No bank will give me a checking account
o 7 Other (explain)
(PA002_other)
(PA003) Have you ever had a checking account?
o 1 Yes
o 2 No
IF PA003 = 1 THEN
CHKEVER := 1
else
CHKEVER := 0
ENDIF
ENDIF
SAVEVER := 0
if SAVADOPTER = 0 then
(NEWSAV) Have you ever had a savings account?
o 1 Yes
o 2 No
if NEWSAV = 1 then
SAVEVER := 1
else
SAVEVER := 0
endif
endif
MMEVER := 0
if MMADOPTER = 0 then
(PA030) Have you ever had a money market account?
o 1 Yes
©2008-2010 Federal Reserve Bank of Boston. All rights reserved. www.bostonfed.org
10
2010 Survey of Consumer Payment Choice
o 2 No
if PA030 = 1 then
MMEVER := 1
else
MMEVER := 0
endif
endif
if (CHKEVER = 1 or SAVEVER = 1 or MMEVER = 1) then
BAEVER := 1
else
BAEVER := 0
endif
DCADOPTER := 0
ATMADOPTER := 0
ATMONLYADOPTER := 0
TBADOPTER := 0
OBADOPTER := 0
OBBPADOPTER := 0
DCEVER := 0
ATMEVER := 0
ATMONLYEVER := 0
TBEVER := 0
OBEVER := 0
OBBPEVER := 0
MOADOPTER := 0 *money order;
MOEVER := 0
TCADOPTER := 0
*travelers checks;
TCEVER := 0
PPEVER := 0
MBADOPTER := 0
*mobile banking;
MBEVER := 0
if BA_Adopter = 0 then
if (chkever = 1 or savever = 1) then
(PA010) A debit card allows you to make purchases or payments in addition to
allowing access to your bank accounts through an automated teller machine (ATM).
Have you ever had a debit card?
o 1 Yes
o 2 No
if PA010 = 1 then
DCEVER := 1
ATMEVER := 1
else
DCEVER := 0
ATMEVER := 0
endif
©2008-2010 Federal Reserve Bank of Boston. All rights reserved. www.bostonfed.org
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2010 Survey of Consumer Payment Choice
(PA009) An ATM card is a card that allows you to deposit or withdraw cash from an
automated teller machine, but cannot be used for purchases or payments.
Have you ever had an ATM card?
o 1 Yes
o 2 No
if PA009 = 1 then
ATMEVER := 1
if PA010 = 2 then
ATMONLYEVER := 1
else
ATMONLYEVER := 0
endif
else
ATMEVER := 0
endif
(NEWTB) Telephone banking is when you access your account by calling a phone
number that your bank has provided. You interact with the system using either
voice commands, your phone’s numeric keypad, or speaking with a live customer
service representative.
To set up access to telephone banking, you may need to create a password or PIN.
Have you ever set up access to telephone banking?
o 1 Yes
o 2 No
if NEWTB = 1 then
TBEVER := 1
else
TBEVER := 0
endif
(NEWOB) Online banking is a method of accessing a bank account via the website of
a bank, to perform such actions as viewing account balances, making transfers
between accounts, or paying bills electronically.
In order to set up access to your bank’s online banking website, you usually have to
set up a username, password, site key or PIN.
Have you ever set up access to online banking?
o 1 Yes
o 2 No
if NEWOB = 1 then
©2008-2010 Federal Reserve Bank of Boston. All rights reserved. www.bostonfed.org
12
2010 Survey of Consumer Payment Choice
OBEVER := 1
(NEWOBBP) Online banking bill payment is an electronic payment made
directly from your bank account to a merchant via your bank’s online
banking website.
To initiate the payment, you provide your bank’s website with a merchant’s
information and authorize the bank to make a deduction from your account.
To set up access to online banking bill payment, you must sign up on your
bank’s online banking website.
Have you ever set up access to online banking bill payment?
o 1 Yes
o 2 No
if NEWOBBP = 1 then
OBBPEVER := 1
else
OBBPEVER := 0
endif
else
OBEVER := 0
endif
ENDIF
ENDIF
*ending if (chkever = 1 or savever = 1);
*ending if BA_Adopter = 0;
if BA_Adopter != 0 then
if CHKADOPTER = 1 then
(PA004) Your primary checking account is the checking account you use most often.
What interest rate do you earn on the balance in your primary checking account?
Please choose “0%” if you do not earn interest.
DROP DOWN BOX WITH ENTRIES
o [initial box] *** Select one ***
o 0%
o 0.01 to 0.50%
o 0.51 to 1.00%
o 1.01 to 1.50%
o 1.51 to 2.00%
o 2.01 to 2.50%
o 2.51 to 3.00%
o 3.01 to 3.50%
©2008-2010 Federal Reserve Bank of Boston. All rights reserved. www.bostonfed.org
13
2010 Survey of Consumer Payment Choice
o
o
o
Endif
3.51 to 4.00%
More than 4.00%
I don’t know
(PA031) Do you currently have any blank, unused checks?
o 1 Yes
o 2 No
(PA035) Have you written a paper check to make a payment in the past 12
months?
o 1 Yes
o 2 No
(PA006) At what type of financial institution is your primary checking account?
o 1 Commercial bank
o 2 Savings and loan
o 3 Credit union
o 4 Brokerage
o 5 Internet bank
o 6 Other:
(PA006_other) (please specify)_______
***chkadopter = 1***
If SAVADOPTER = 1 then
(PA007) At what type of financial institution is your primary savings account?
o 1 Commercial bank
o 2 Savings and loan
o 3 Credit union
o 4 Brokerage
o 5 Internet bank
o 6 Other:
(PA007_other) (please specify)_______
Endif
If (CHKADOPTER = 1) then
o (PA005) Overdraft protection is a service that your bank provides when
you make a transaction that exceeds your account balance.
Overdraft protection covers the difference between the transaction amount
and your account balance, and therefore you will avoid a fee from the
retailer or merchant for having insufficient funds.
Overdraft protection can be activated by linking a savings account or credit
card to your checking account, or through overdraft insurance for instance.
Does your checking account have overdraft protection?
o
1 Yes
©2008-2010 Federal Reserve Bank of Boston. All rights reserved. www.bostonfed.org
14
2010 Survey of Consumer Payment Choice
o
o
2 No
3 I don’t know
Endif
(PA008_Intro) An ATM card is a card that allows you to deposit or withdraw cash from
an automated teller machine (ATM), but cannot be used for purchases or payments.
A debit card allows you to make purchases or payments in addition to allowing access to
your bank accounts through an ATM.
How many debit cards and/or ATM cards do you have?
If none, please enter 0.
o
o
(PA008_a) Number of debit cards:
(PA008_b) Number of ATM cards:
if PA008_a > 0 then
DCADOPTER := 1
ATMADOPTER := 1
else
DCADOPTER := 0
ATMADOPTER := 0
(PA010) Have you ever had a debit card?
o 1 Yes
o 2 No
if PA010 = 1 then
DCEVER := 1
ATMEVER := 1
else
DCEVER := 0
ATMEVER := 0
endif
endif
if PA008_b > 0 then
ATMADOPTER := 1
if PA008_a = 0 then
ATMONLYADOPTER := 1
else
ATMONLYADOPTER := 0
endif
else
ATMADOPTER := 0
(PA009) Have you ever had an ATM card?
©2008-2010 Federal Reserve Bank of Boston. All rights reserved. www.bostonfed.org
15
2010 Survey of Consumer Payment Choice
o
o
1 Yes
2 No
if PA009 = 1 then
ATMEVER := 1
else
ATMEVER := 0
endif
endif
if (PA008_a > 0) then
(PA011) Some debit cards give rewards for using the card for purchases or payments.
Examples of rewards include frequent flier miles, cash back, or points that can be spent
on merchandise.
Do any of your debit cards give rewards?
o
o
1 Yes
2 No
(PA034) If you are given a choice while completing a debit card purchase, do you
prefer to enter your PIN or give your signature? ***randomize responses***
o 1 PIN
o 2 Signature
o 3 Either one is fine/ I’m indifferent
o 4 Neither one/ I prefer not to enter a PIN or give my signature
Endif
(PA032) In the past 12 months, have you visited a bank branch and spoken with a teller
or other bank employee to conduct banking transactions such as opening or closing an
account, making a withdrawal or deposit, checking an account balance or making a
payment?
o
o
Yes
No
If (pa008_a > 0 or pa008_b > 0) then
(PA049) In the past 12 months, have you used an ATM to conduct banking transactions
such as making a withdrawal, making a deposit, or checking an account balance?
o
o
Yes
No
End if
©2008-2010 Federal Reserve Bank of Boston. All rights reserved. www.bostonfed.org
16
2010 Survey of Consumer Payment Choice
Now we’d like to know more about how you access your bank account(s).
Telephone banking is when you access your account by calling a phone number that
your bank has provided. You interact with the system using either voice commands,
your phone’s numeric keypad, or speaking with a live customer service representative.
Online banking is a transaction conducted on the website of a bank, such as viewing
account balances, making transfers between accounts, or paying bills electronically.
if CPADOPTER = 1 then
Mobile banking uses a mobile device to access your bank account. This can be done
either by accessing your bank’s web page through the web browser on your mobile
device, via text messaging or SMS, or by using a downloadable application on your
mobile device.
endif
Have you set up any of the following methods of accessing your current bank accounts?
(PA012)
Telephone banking
(PA013) Online
banking
(PA026)
if CPADOPTER
= 1 then
Mobile banking
Yes
1
No
2
1
2
1
2
If pa012 = 1 then
TBADOPTER := 1
End if
if NEWTB = 1 then
TBEVER := 1
else
TBEVER := 0
endif
If pa013 = 1 then
OBADOPTER := 1
(PA014) Online banking bill payment is an electronic payment made directly
from your bank account to a merchant via your bank’s online banking website.
©2008-2010 Federal Reserve Bank of Boston. All rights reserved. www.bostonfed.org
17
2010 Survey of Consumer Payment Choice
To initiate a payment, you provide your bank’s website with a merchant’s
information and authorize the bank to make a deduction from your account.
To set up access to online banking bill payment, you must sign up on your bank’s
online banking website.
Have you set up access to the online banking bill payment function of your
bank’s online banking website?
o
o
1 Yes
2 No
if PA014 = 1 then
OBBPADOPTER := 1
else
OBBPADOPTER := 0
(NEWOBBP) Have you ever set up access to online banking bill
payment?
o 1 Yes
o 2 No
if NEWOBBP = 1 then
OBBPEVER := 1
else
OBBPEVER := 0
endif
endif
else
OBADOPTER := 0
(NEWOB) Online banking is a method of accessing a bank account via the
website of a bank, to perform such actions as viewing account balances,
making transfers between accounts, or paying bills electronically.
In order to set up access to your bank’s online banking website, you usually
have to set up a username, password, site key or PIN.
Have you ever set up access to online banking?
o 1 Yes
o 2 No
if NEWOB = 1 then
OBEVER := 1
else
OBEVER := 0
Endif
endif
©2008-2010 Federal Reserve Bank of Boston. All rights reserved. www.bostonfed.org
18
2010 Survey of Consumer Payment Choice
If pa026 = 1 then
MBADOPTER := 1
Else
If cpadopter = 1 then
(PA126) Have you ever set up access to mobile banking?
o 1 Yes
o 2 No
End
End if
If tbadopter = 1 or obadopter = 1 or mbadopter = 1 then
In the past 12 months, have you used the following methods to access your account?
If tbadopter = 1 then
(PA033_a)
Telephone banking
If obadopter = 1 then
(PA033_b)
Online banking
If mbadopter = 1 then
(PA033_c)
Mobile banking
Yes
1
No
2
1
2
1
2
Endif
Endif
*if BA_Adopter != 0;
(PA050) In the past 12 months, have you used cash to make a payment, even once?
o Yes
o No
(PA015_Intro) About how much cash do you have (do not include cash that other members of
your household might have)…
o
(PA015_a) … in your wallet, purse, and/or pocket.
o About $____.00
o (PA015_b)…elsewhere in your home, car, office, etc.
o About $____.00
****for PA015_a and PA015_b, verify from respondent if response is over $1000
Ask the R the following:
You told us that you have [FILL with amount the R entered] in your [wallet, purse, and/or pocket OR
home, car or office].
<br><br>
Please choose ‘Back’ if you would like to change your response. Otherwise, choose ‘Next’ to continue.
****
©2008-2010 Federal Reserve Bank of Boston. All rights reserved. www.bostonfed.org
19
2010 Survey of Consumer Payment Choice
(PA016_intro)When you get cash, where do you get it most often?
***randomize responses 1-6, “Other” is always 7 ***
o 1 ATM
o 2 Bank teller
o 3 Check cashing store
o 4 Cash back at a retail store
o 5 Employer
o 6 Family or friend
o 7 Other
o (PA016_other) Specify:
***here is a series of FILLs that you should use for the next questions. They are slightly reworded
versions of the above table***
1. the ATM
2. a bank teller
3. a check cashing store
4. a retail or grocery store
5. your employer
6. a family member or friend
7. [whatever the R writes in the open ended response box PA016_other]
(PA017_a) When you get cash from [FILL WITH ANSWER FROM PA016], what amount do you
get most often?
o $______.00
(PA018_intro)In a typical period (week, month, or year), how often do you get cash from [FILL
WITH ANSWER FROM PA016]?
Answer in one box only. Choose the box that best describes your cash activity.
Enter the number of times you get cash. DO NOT ENTER DOLLAR AMOUNTS.
If never, please enter 0 in any box.
(PA018_a1)______time(s) per
week
(PA018_b1)_____time(s) per
month
(PA018_c1)______time(s) per
year*
(PA018_asterisk)*Use the Per Year frequency if you typically get cash fewer than once a month
(PA017_b) When you get cash from all other sources besides [fill from answer PA016], what
amount do you get most often?
o $______.00
(PA018_intro)In a typical period (week, month, or year), how often do you get cash from all
other sources besides [fill from answer PA016]?
©2008-2010 Federal Reserve Bank of Boston. All rights reserved. www.bostonfed.org
20
2010 Survey of Consumer Payment Choice
Answer in one box only. Choose the box that best describes your cash activity.
Enter the number of times you get cash. DO NOT ENTER DOLLAR AMOUNTS.
If never, please enter 0 in any box.
(PA018_a2)______time(s) per
week
(PA018_b2)_____time(s) per
month
(PA018_c2)______time(s) per
year*
(PA018_asterisk)*Use the Per Year frequency if you typically get cash fewer than once a month
CCADOPTER := 0
(PA053) Do you have any credit cards?
o 1 Yes
o 2 No
If PA053 = 1 then
CCADOPTER = 1
Else
CCADOPTER = 0
(PA020) Have you ever had a credit card?
o 1 Yes
o 2 No
CCEVER := 0
IF PA020 = 1 THEN
CCEVER := 1
ENDIF
Endif
IF CCADOPTER = 1 THEN
(PA019_intro) Now we’d like to find out about your credit cards.
General purpose credit cards have a logo from Visa, MasterCard, Discover or American Express,
and can be used anywhere those credit cards are accepted.
Charge cards are similar to credit cards, except that full payment of balance is required at the end
of each billing period.
Store branded cards have a merchant’s logo on the card, and may or may not have a logo from
Visa, MasterCard, Discover, or American Express. Examples of this type of card include Sears
cards, Exxon cards, Amazon.com cards, or United Mileage cards.
Do you have any of the following types of credit cards?
©2008-2010 Federal Reserve Bank of Boston. All rights reserved. www.bostonfed.org
21
2010 Survey of Consumer Payment Choice
(PA019_a)
General purpose
(PA019_b)
Charge
(PA019_c)
Store branded
Yes
1
No
2
1
2
1
2
(PA054) Some credit cards give rewards for using the card for purchases or payments.
Examples of rewards include frequent flier miles, cash back, or points that can be spent
on merchandise.
Please tell us how many cards you have of each type.
If none, please enter 0.
<BR><BR>
Number of cards with rewards
IF PA019_a = 1
then
General purpose
IF PA019_b = 1
then
Charge
If PA019_c = 1
then
Store branded
ENDIF
PA054_A1
Number of cards without
rewards
PA054_A2
PA054_B1
PA054_B2
PA054_C1
PA054_C2
****end CCADOPTER = 1 section ****
****begin prepaid card section****
PCADOPTER := 0
PCEVER := 0
(PA099) General purpose prepaid cards can be used at any merchant or retailer. These cards usually
have a Visa or MasterCard logo on them.
Merchant specific prepaid cards can only be used at specific merchants, retailers or service
providers. Some examples of these include public transportation cards, Starbucks or Target cards.
Payroll cards are cards containing wages or salary that an employer can give to an employee as an
alternative to a paycheck or direct deposit.
©2008-2010 Federal Reserve Bank of Boston. All rights reserved. www.bostonfed.org
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2010 Survey of Consumer Payment Choice
Government issued prepaid cards are given to people who receive government benefits. Examples
of these cards include Direct Express and Electronic Benefit Transfer (EBT) cards. These cards can be
used to make purchases or payments.
Do you have any of the following types of cards?
(PA099_a)
General purpose
(PA099_b)
Merchant specific
(PA099_c)
Payroll card
(PA099_d)
Government issued
Yes
1
No
2
1
2
1
2
1
2
If PA099_a = 2 and PA099_b = 2 and PA099_c = 2 and PA099_d = 2 then
(PA022) Have you ever had a prepaid card?
o 1 Yes
o 2 No
IF PA022 = 1 THEN
PCEVER := 1
ENDIF
ENDIF
**** If PA099_a = 2 and PA099_b = 2 and PA099_c = 2 and PA099_d = 2****
If PA099_a = 1 or PA099_b = 1 or PA099_c = 1 or PA099_d = 1 then
PCADOPTER := 1
(PA100) How many of each type of prepaid card do you have?
o if PA099_a = 1 then (PA100_a) General purpose _________cards
o if PA099_b = 1 then (PA100_b) Merchant specific _________cards
o if PA099_c = 1 then (PA100_c) Payroll card _________cards
o if PA099_d = 1 then (PA100_d) Government issued _________cards
(PA102) What is the value of all general purpose and merchant specific prepaid cards
that you currently have?
Please answer to nearest dollar.
o
$_____.00
(PA039) Some general purpose and merchant specific prepaid cards can be reloaded
with extra dollar value by the card holder.
Are any of your prepaid cards reloadable?
o 1 Yes
©2008-2010 Federal Reserve Bank of Boston. All rights reserved. www.bostonfed.org
23
2010 Survey of Consumer Payment Choice
o
2 No
If PA039 = 1 then
(PA022_extra) In the past 12 months, did you add money to reload any of your
prepaid cards?
o 1 Yes
o 2 No
if PA022_extra = 1 then
(PA029) Now think about the prepaid card that you reload most often.
When you add money to reload that prepaid card, what amount do you
add most often?
$______.00
(PA023_intro) Continue to think about the prepaid card that you
reload most often.
In a typical period (week, month, or year), how often do you add
money to that prepaid card?
Answer in one box only. Choose the box that best describes your
prepaid card reloading behavior.
Enter the number of times you reload your prepaid card. DO NOT
ENTER DOLLAR AMOUNTS.
If never, please enter 0 in any box.
Please use the time(s) per year frequency only if you typically add
money to a prepaid card fewer than once per month.
(PA023_a)
_____time(s) per
week
(PA023_b)
OR______ time(s)
per month
(PA023_c)
OR_______time(s) per
year
(PA101) Thinking about the prepaid card that you reload most often,
what is the most common way that you reload that card?
***randomize 1-7, 8 is always “Other”***
o 1 Cash
o 2 Credit card
o 3 Check
o 4 Directly from income
o 5 Debit card
o 6 Rewards from loyalty program
o 7 Refund or store credit
©2008-2010 Federal Reserve Bank of Boston. All rights reserved. www.bostonfed.org
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2010 Survey of Consumer Payment Choice
o
ENDIF
8 Other (explain)
(PA101_other)
****if PA022_extra = 1****
Endif ****If PA039 = 1*****
Endif **** If PA099_a = 1 or PA099_b = 1 or PA099_c = 1 or PA099_d = 1****
(PA024) An automatic bill payment is a payment set up to occur on a regularly scheduled basis,
typically monthly. Once set up, they do not require any additional effort on the consumer’s part.
They can be processed via bank account deductions, debit card transactions, credit card charges, or
paid directly from your income.
Do you have any automatic bill payments set up to occur this month?
o 1 Yes
o 2 No
ABPADOPTER := 0
IF PA024 = 1 THEN
ABPADOPTER := 1
ELSE
(PA025) Have you ever had automatic bill payment in the past?
o 1 Yes
o 2 No
ABPEVER := 0
IF PA025 = 1 THEN
ABPEVER := 1
ENDIF
ENDIF
(PA027) A contactless payment technology allows the consumer to make a payment by tapping or
waving a card or other instrument near a special terminal or reader without swiping, signing or
entering a personal identification number.
Do you have any of the following payment methods with contactless payment technology?
IF PA053 = 1 THEN
(PA027_a)
Credit card
END IF
IF PA008_a > 0 THEN
(PA027_b)
Debit card
END IF
IF PCADOPTER = 1 THEN
Yes
1
No
2
1
2
1
2
©2008-2010 Federal Reserve Bank of Boston. All rights reserved. www.bostonfed.org
25
2010 Survey of Consumer Payment Choice
(PA027_c)
Prepaid card
END IF
(PA027_d)
Electronic toll payment
(PA027_e)
Key fob
1
2
1
2
If MBADOPTER = 1 then
(PA052) Have you ever used the mobile banking feature of your bank account to pay a bill?
Consider bills paid using your bank’s mobile banking website or mobile banking app. Do not
consider bills paid by calling your bank’s telephone banking service.
o 1 Yes
o 2 No
End if (mbadopter = 1)
If cpadopter = 1 then
(PA051) Mobile payments are payments, purchases or charitable donations made using a
mobile phone.
Do not consider payments made using the mobile banking feature of your bank account.
In the past 12 months, have you made any of the following types of mobile payments?
(PA051_a)
Payment, purchase or
charitable donation made
using text message
(PA051_b)
Contactless payment via
tapping or waving your phone
(PA051_c)
Used your phone to scan a
barcode to make a payment
Yes
1
No
2
1
2
1
2
endif
(PA040) In the past 12 months, have you used a money order, even once?
o Yes
o No
If YES then
MOADOPTER = 1
Else
©2008-2010 Federal Reserve Bank of Boston. All rights reserved. www.bostonfed.org
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2010 Survey of Consumer Payment Choice
(PA041) Have you ever used a money order, even once?
o Yes
o No
If YES then
MOEVER = 1
ENDIF
END IF
(PA042) In the past 12 months, have you used a travelers check, even once?
o Yes
o No
If YES then
TCADOPTER = 1
Else
(PA043) Have you ever used a travelers check, even once?
o Yes
o No
If YES then
TCEVER = 1
ENDIF
END IF
If PPADOPTER = 1 THEN
(PA044) In the past 12 months, have you used a non-bank online payment service such as PayPal to
make a purchase or pay another person?
o 1 Yes
o 2 No
If PA044 = 1 then
In a typical period, how often do you use a non-bank online payment service such as
PayPal to make a purchase or pay another person?
Answer in one box only. Choose the box that best describes your use of non-bank
online payment services.
Enter the number of times you use a non-bank online payment service. DO NOT ENTER
DOLLAR AMOUNTS.
If never, please enter 0 in any box.
(PA045_a)_____time(s)
per week
(PA045_b)______ time(s)
per month
©2008-2010 Federal Reserve Bank of Boston. All rights reserved. www.bostonfed.org
27
(PA045_c)
OR_______time(s) per
year*
2010 Survey of Consumer Payment Choice
(PA045_asterisk)*Use the Per Year frequency if you typically make fewer than one
payment per month.
(PA046) When you make a purchase or pay another person using a non-bank online
payment service such as PayPal, what amount do you spend most often?
o ________dollars
ENDIF
ENDIF ****PPADOPTER = 1 ****
IV.
Payment Use (PU)
(PU001_Intro)Now we will ask questions about how often you use the payment methods you have.
(PU002_Intro)The next set of questions will be divided into several types of payments:
Bills
*Automatic bill payments
*Online bill payments
*Bill payments by mail, in person, or by phone
Online
*Non-bill internet payments
Retail or in-person
*Retail goods
*Services and other
Person-to-person payments
if ABPADOPTER = 1 then
(PU002_intro2)
Automatic Bill Payments
In a typical period (week, month, or year), how many automatic bill payments do you
make?
Answer in one box per row. Choose the box that best describes your typical behavior.
Answer for each payment method.
Enter the number of times you make an automatic bill payment. DO NOT ENTER
DOLLAR AMOUNTS.
If you do not use the payment method to pay bills, please enter a 0 in any box in the
appropriate row.
©2008-2010 Federal Reserve Bank of Boston. All rights reserved. www.bostonfed.org
28
2010 Survey of Consumer Payment Choice
Per week
Per month
Per year*
If dcadopter
(pu002_a1)
(pu002_a2)
(pu002_a3)
= 1 then Paid
with your debit
card(s)
If ccadopter
(pu002_b1)
(pu002_b2)
(pu002_b3)
= 1 then
Charged to your
credit card(s)
If baadopter
(pu002_c1)
(pu002_c2)
(pu002_c3)
= 1 then
Paid using your
bank account and
routing numbers
(PU002_e3)
(PU002_e3)
IF OBBPADOPTER = (PU002_e3)
1 THEN
Paid using the
online banking bill
payment function
on your bank’s
website
(pu002_d1)
(pu002_d2)
(pu002_d3)
Paid directly from
your income
(error catching code goes here)
*(PU002_asterisk) Please use the Per year frequency if you typically make fewer than one
payment per month
End if
IF BAADOPTER = 1 or CCADOPTER = 1 THEN
(pu003_intro)
Online Bill Payments
In a typical period (week, month, or year), how many online bill payments do you
make?
if ABPADOPTER = 1 then
Do not count any automatic recurring bill payments that you reported in the previous
question.
Endif
Answer in one box per row. Choose the box that best describes your typical behavior.
Answer for each payment method.
Enter the number of times you make an online bill payment. DO NOT ENTER DOLLAR
AMOUNTS.
©2008-2010 Federal Reserve Bank of Boston. All rights reserved. www.bostonfed.org
29
2010 Survey of Consumer Payment Choice
If you do not use the payment method to pay bills online, please enter a 0 in any box in
the appropriate row.
Per week
Per month
Per year*
If dcadopter =1
(pu003_a1)
(pu003_a2)
(pu003_a3)
then
Paid with your debit
card(s)
If ccadopter = 1 (pu003_b1)
(pu003_b2)
(pu003_b3)
then
Charged to your credit
card(s)
If baadopter = 1 (pu003_c1)
(pu003_c2)
(pu003_c3)
then
Paid using your bank
account and routing
numbers
If obbpadopter = (pu003_d1)
(pu003_d2)
(pu003_d3)
1 then
Paid using the online
banking bill payment
function on your bank’s
web site
(error catching code here)
*(pu003_asterisk) Please use the Per year frequency if you typically make fewer than one payment
per month.
END IF
(pu004_intro)
Bill Payments by mail, in person, or by phone
In a typical period (week, month, or year), how many bill payments by mail, in person, or by
phone do you make?
Answer in one box per row. Choose the box that best describes your typical behavior.
Answer for each payment method.
Enter the number of times you make a bill payment by mail, in person, or by phone. DO NOT
ENTER DOLLAR AMOUNTS.
If you do not use the payment method to pay bills by mail, in person, or by phone, please enter a 0
in any box in the appropriate row.
Per week
Per month
©2008-2010 Federal Reserve Bank of Boston. All rights reserved. www.bostonfed.org
30
Per year*
2010 Survey of Consumer Payment Choice
PU004_a1
PU004_a2
PU004_a3
Paid in cash
If chkadopter =
PU004_b1
PU004_b2
PU004_b3
1 or mmcadopter
= 1 then
Paid by check (paper)
If moadopter = 1
then
Paid by money order
If dcadopter = 1 PU004_c1
PU004_c2
PU004_c3
then
Paid with your debit
card(s)
If ccadopter = 1 PU004_d1
PU004_d2
PU004_d3
then
Charged to your credit
card(s)
If pcadopter = 1 PU004_e1
PU004_e2
PU004_e3
then
Paid with your prepaid
card(s)
*(pu004_asterisk) Please use the Per year frequency if you typically make fewer than one payment
per month
(error catching code here)
If chkadopter = 1 or mmcadopter = 1 or moadopter = 1 or dcadopter = 1
or baadopter = 1 or ccadopter = 1 or pcadopter = 1 then
(pu005_intro)Now we will ask about all other payments and purchases besides bills.
(pu005_intro2)
Internet payments
In a typical period (week, month, or year), how many internet payments do you make?
Answer in one box per row. Choose the box that best describes your typical behavior.
Answer for each payment method.
Enter the number of times you make an internet payment. DO NOT ENTER DOLLAR
AMOUNTS.
If you do not use the payment method, please enter a 0 in any box in the appropriate row.
Examples of internet payments
-All non-bill purchases made on the Internet
-Charitable donations made online
©2008-2010 Federal Reserve Bank of Boston. All rights reserved. www.bostonfed.org
31
2010 Survey of Consumer Payment Choice
Per week
Per month
Per year*
If chkadopter = 1 or
Pu005_a1
Pu005_a2
Pu005_a3
mmcadopter = 1 then
Paid by check (paper)
If moadopter = 1 then
Paid by money order
If dcadopter = 1 then
Pu005_b1
Pu005_b2
Pu005_b3
Paid with your Debit card, either
directly or through an
intermediary such as PayPal
If baadopter = 1 then
Pu005_c1
Pu005_c2
Pu005_c3
Paid using your bank account and
routing numbers, either directly
or through an intermediary such
as PayPal
If ccadopter = 1 then
Pu005_d1
Pu005_d2
Pu005_d3
Charged to your credit card,
either directly or through an
intermediary such as PayPal
If pcadopter = 1 then
Pu005_e1
Pu005_e2
Pu005_e3
Paid with your prepaid card
*(pu005_asterisk)Please use the Per year frequency if you typically make fewer than one payment
per month.
(error catching code here)
Endif
(pu006a_intro)
Retail goods
In a typical period (week, month, or year), how many retail payments do you make?
Answer in one box per row. Choose the box that best describes your typical behavior.
Answer for each payment method.
Enter the number of times you make a retail payment. DO NOT ENTER DOLLAR AMOUNTS.
If you do not use the payment method, please enter a 0 in any box in the appropriate row.
Examples of retail goods include items bought while shopping in person at:
- Food and grocery stores
-Superstores, warehouses, club stores
-Drug or convenience stores
-Gas stations
-Department stores
-Electronics, hardware, and appliances stores
©2008-2010 Federal Reserve Bank of Boston. All rights reserved. www.bostonfed.org
32
2010 Survey of Consumer Payment Choice
-Home goods and furniture stores
Note: Please answer only for goods purchases in person at these (and similar) types of stores.
The next question asks about in-person purchases of services.
Per week
Per month
Per year*
Pu006a_a1
Pu006a_a2
Pu006a_a3
Cash
If chkadopter = 1 or
Pu006a_b1
Pu006a_b2
Pu006a_b3
mmcadopter = 1 then
Paid by check (paper)
If moadopter = 1 then
Paid by money order
If dcadopter = 1 then
Pu006a_c1
Pu006a_c2
Pu006a_c3
Paid with your debit card
If ccadopter = 1 then
Pu006a_d1
Pu006a_d2
Pu006a_d3
Charged to your credit card
If pcadopter = 1 then
Pu006a_e1
Pu006a_e2
Pu006a_e3
Paid with your prepaid card
*(pu006a_asterisk)Please use the Per year frequency if you typically make fewer than one
payment per month.
(error catching code here)
(pu006c_intro)
Retail services
In a typical period (week, month, or year), how many payments for services do you make?
Answer in one box per row. Choose the box that best describes your typical behavior.
Answer for each payment method.
Enter the number of times you make payment for a service. DO NOT ENTER DOLLAR AMOUNTS.
If you do not use the payment method, please enter a 0 in any box in the appropriate now.
Examples of services paid for while shopping or paying in person include:
-Restaurants, bars, fast food and beverage
-Transportation and tolls
-Medical, dental, and fitness
-Education and child care
-Personal care (e.g. hair)
-Recreation, entertainment, and travel
-Maintenance and repairs
-Other professional services (business, legal, etc.)
-Charitable donations
Per week
Per month
©2008-2010 Federal Reserve Bank of Boston. All rights reserved. www.bostonfed.org
33
Per year*
2010 Survey of Consumer Payment Choice
Pu006c_a1
Pu006c_a2
Pu006c_a3
Cash
If chkadopter = 1 or
Pu006c_b1
Pu006c_b2
Pu006c_b3
mmcadopter = 1 then
Paid by check (paper)
If moadopter = 1
then
Paid by money order
If dcadopter = 1
Pu006c_c1
Pu006c_c2
Pu006c_c3
then
Paid with your debit card
If ccadopter = 1
Pu006c_d1
Pu006c_d2
Pu006c_d3
then
Charged to your credit card
If pcadopter = 1
Pu006c_e1
Pu006c_e2
Pu006c_e3
then
Paid with your prepaid card
*(pu006c_asterisk)Please use the Per year frequency if you typically make fewer than one
payment per month.
(error catching code here)
(pu021_intro)
Person-to-person payments
In a typical period (week, month, or year), how many person-to-person payments do you
make?
Answer in one box per row. Choose the box that best describes your typical behavior.
Answer for each payment method.
Enter the number of times you make a person-to-person payment. DO NOT ENTER DOLLAR
AMOUNTS.
If you do not use the payment method, please enter a 0 in any box in the appropriate now.
Person-to-person payments include:
-Babysitting
-Allowances
-Giving a friend or family member money as a gift
-Paying a person for something that is not business related
-Account to account payments from your bank account to another person’s bank
account
Cash
If chkadopter = 1 or
mmcadopter = 1 then
Per week
Pu021_a1
Pu021_b1
Per month
Pu021_a2
Pu021_b2
©2008-2010 Federal Reserve Bank of Boston. All rights reserved. www.bostonfed.org
34
Per year*
Pu021_a3
Pu021_b3
2010 Survey of Consumer Payment Choice
Paid by check (paper)
If moadopter = 1 then
Paid by money order
If dcadopter = 1 then
Paid with your Debit card, through
an intermediary such as PayPal
If ccadopter = 1 then
Charged to your Credit card,
through an intermediary such as
PayPal
If baadopter = 1 then
Account to account payment
If obbpadopter = 1 then
Paid using the online banking bill
payment function on your bank’s
web site
Pu021_c1
Pu021_c2
Pu021_c3
Pu021_d1
Pu021_d2
Pu021_d3
PU021_e1
PU021_e2
PU021_e3
PU021_f1
PU021_f2
PU021_f3
*(pu006c_asterisk)Please use the Per year frequency if you typically make fewer than one
payment per month.
(error checking code goes here)
If TCADOPTER = 1 or TCEVER = 1 then
(pu008_intro)In a typical period (week, month, or year), how often do you use travelers
checks?
Answer in one box only. Choose the box that best describes your typical behavior.
Enter the number of times you use travelers checks to make a payment. DO NOT ENTER
DOLLAR AMOUNTS.
If never, please enter 0 in any box.
Travelers checks
Per week
Pu008_c1
Per month
Pu008_c2
Per year*
Pu008_c3
*Please use the Per year frequency if you typically make fewer than one payment per month.
(error catching code here)
ENDIF
IF CCADOPTER = 1 THEN
(PU009) During the past 12 months, did you carry an unpaid balance on any credit card from
one month to the next (that is, you did not pay the balance in full at the end of the month)?
o 1 Yes
o 2 No
©2008-2010 Federal Reserve Bank of Boston. All rights reserved. www.bostonfed.org
35
2010 Survey of Consumer Payment Choice
IF PU009 = 1 THEN
(pu010) Last month, about how much was the unpaid balance on all your credit cards
that you carried over from the previous month?
o $________.00
(pu011)In the previous question, you told us that last month the unpaid balance on all
your credit cards is $[FILL WITH RESPONSE FROM PU010].
How would you compare your unpaid balance last month to your unpaid balance 12
months ago? Last month’s balance is
o 1 Much lower
o 2 Lower
o 3 About the same
o 4 Higher
o 5 Much higher
ENDIF
ENDIF
V.
Payment History (PH)
Now we will ask questions that will help us understand your payment decisions better.
(PH005) Have you ever entered any of the following information on an Internet web site or sent
the information in an e-mail message?
****randomize responses*****
(PH005_a)
Bank account number
(PH005_c)
Credit card number
(PH005_d)
Debit card number
(PH005_e)
Mother’s maiden name
(PH005_g)
Social security number
Yes
1
No
2
1
2
1
2
1
2
1
2
(PH006) Please estimate your most recent credit rating, as measured by a FICO score?
o 1 Below 600
o 2 600-649
o 3 650-699
o 4 700-749
o 5 750-800
©2008-2010 Federal Reserve Bank of Boston. All rights reserved. www.bostonfed.org
36
2010 Survey of Consumer Payment Choice
o
o
6 Above 800
7 I don’t know
If BAADOPTER = 1 or BAEVER = 1 then
(PH007) During the past 12 months, did you overdraw any of your bank accounts?
o 1 Yes and I paid an overdraft fee
o 2 Yes but I did not pay an overdraft fee
o 3 No
Endif
(PH022) In the past 12 months, have you had any of the following stolen or lost?
Yes
No
(PH022_a)
1
2
Cash
If CCADOPTER = 1 then
1
2
(PH022_b)
Credit card
If DCADOPTER = 1 then
1
2
(PH022_c)
Debit card
If CHKADOPTER = 1 or
1
2
MMCADOPTER = 1 then
(PH022_d)
Checks or check book
If PH022_a = 1 then
(PH023_a)
Q. What amount of cash was lost or stolen?
$_________.00
End if
If PH022_b = 1 then
(PH023_b)
Q. What was the approximate value of the fraudulent charges on your credit card? If none,
please enter 0.
$_________.00
End if
If PH022_c = 1 then
(PH023_c)
Q. What was the approximate value of the fraudulent charges on your debit card? If none,
please enter 0.
$_________.00
End if
If PH022_d = 1 then
(PH023_d)
©2008-2010 Federal Reserve Bank of Boston. All rights reserved. www.bostonfed.org
37
2010 Survey of Consumer Payment Choice
Q. What was the approximate value of the fraudulent activity on your checking account? If
none, please enter 0.
$_________.00
End if
(PH009) During the past 12 months, did you experience any of these financial difficulties?
****randomize response categories****
Yes
No
(PH009_a)
1
2
You or someone else in your
household lost their primary job
(PH009_b)
1
2
You declared bankruptcy
(PH009_c)
1
2
Mortgage foreclosure on your
primary home
(PH009_e)
1
2
Credit card account closed or
frozen by the bank or card
company
If PH009_b = 2 or PH009_c = 2 then
(PH020) We just asked you about financial difficulties that happened in the past year.
Now we’d like you to think back 7 years.
During the past 7 years, have you experienced any of these financial difficulties?
****RANDOMIZE responses****
Yes
No
If PH009_b = 2 then
1
2
(PH020_a)
You declared bankruptcy
If PH009_c = 2 then
1
2
(PH020_b)
Mortgage foreclosure on your primary home
End if
VI.
(PH012) During the past 12 months, did you pay in cash to receive a discount?
o 1 Yes
o 2 No
Demographics (DE)
(de000) Now we will ask you some questions similar to those asked in the “My Household
Questionnaire”
©2008-2010 Federal Reserve Bank of Boston. All rights reserved. www.bostonfed.org
38
2010 Survey of Consumer Payment Choice
(DE005) Do you have access to the internet for personal use at home, work or another
location?
o
o
1 Yes
2 No
If DE005 = 1 then
(DE020) Please tell us where you have access to the internet for personal use.
Please check all that apply.
o
o
o
DE020_a At home
DE020_b At work
DE020_c At another location
Endif
IF familyincome = 14 THEN
(DE010) In your most recent “My Household” questionnaire, you told us that the total
combined income of all members of your family (living here) during the preceding 12 months
was more than $75,000. Thinking about the total combined income of your family from all
sources, approximately how much did members of your family receive during the previous 12
months?
o 1 Less than $5,000
o 2 $5,000-$7,499
o 3 $7,500-$9,999
o 4 $10,000-$12,499
o 5 $12,500-$14,999
o 6 $15,000-$19,999
o 7 $20,000-$24,999
o 8 $25,000-$29,999
o 9 $30,000-$34,999
o 10 $35,000-$39,999
o 11 $40,000-$49,999
o 12 $50,000-$59,999
o 13 $60,000-$74,999
o 14 $75,000-$99,999
o 15 $100,000-$124,999
o 16 $125,000-$199,999
o 17 $200,000 or more
End if
(DE011) What does your own personal income rank within your household?
o 1 Highest in my household
o 2 About equal to the highest (roughly the same as another household member)
o 3 2nd highest
©2008-2010 Federal Reserve Bank of Boston. All rights reserved. www.bostonfed.org
39
2010 Survey of Consumer Payment Choice
o
4 3rd highest or lower
(DE013) Do you and/or your spouse/partner own your primary home?
Note: Even if you have an unpaid mortgage, you are considered the owner of the home.
o 1 Yes
o 2 No
if DE013 = 1 then
(DE014) What is the approximate market value of your primary home?
Please enter your answer below in thousands of dollars.
o $______,000
****DE014: please prompt the R if they enter a number above 4500, which is the equivalent of saying
that their house is worth more than $4.5 million
Prompt for DE014:
You told us that the market value of your primary home is [FILL WITH RESPONSE FROM DE014, BUT PUT
IT IN DOLLARS, NOT THOUSANDS OF DOLLARS, and format with commas, but no decimal for cents.
EXAMPLE $x,xxx,000].
<br><br>
If this is correct, please choose ‘Next’ to continue. Otherwise, please click ‘Back’ to change your
response. ****
(DE015) About how much do you owe on loans for your primary home, including mortgages,
home equity loans, and home equity lines of credit?
Please enter your answer below in thousands of dollars.
o $______,000
****DE015: please prompt the R if they enter a number above 2000, which is the equivalent of saying
that they owe more than $2 million on their home
Prompt for DE015:
You told us that the amount you owe on loans for your primary home is [FILL WITH RESPONSE FROM
DE015, BUT PUT IT IN DOLLARS, NOT THOUSANDS OF DOLLARS, and format with commas, but no
decimal for cents. EXAMPLE $x,xxx,000].
<br><br>
If this is correct, please choose ‘Next’ to continue. Otherwise, please click ‘Back’ to change your
response.
****
Endif
if DE013 = 1 then
(DE016) Excluding the market value of your primary home, what is the approximate value of
your household's other assets?
©2008-2010 Federal Reserve Bank of Boston. All rights reserved. www.bostonfed.org
40
2010 Survey of Consumer Payment Choice
Include real estate other than your primary home.
Please enter your answer below in thousands of dollars.
o $________,000
****DE016, where DE013 = 1: if R makes < $50000 [variable familyincome = (1,2,3,4,5,6,7,8,9,10,11)]
then prompt for response above 500 (which is equal to 500,000). If R makes between $50,000 and
$75,000 [variable familyincome = (12,13)], please prompt the R if they enter a value above 750, which is
the equivalent of saying that their net worth is greater than $750,000. Finally, if the R makes above
$75,000 [variable familyincome = 14] then prompt if the R enters a value above 3000, which is equal to
saying they have a net worth of $3 million.
Prompt for DE016, where DE013 = 1:
You told us that the market value of your household’s non-home assets is [FILL WITH RESPONSE FROM
DE016, BUT PUT IT IN DOLLARS, NOT THOUSANDS OF DOLLARS, and format with commas, but no
decimal for cents. EXAMPLE $x,xxx,000].
<br><br>
If this is correct, please choose ‘Next’ to continue. Otherwise, please click ‘Back’ to change your
response. ***
(DE019) Excluding the debt on the mortgage of your primary home, what is the approximate
dollar amount of your remaining debts?
Examples of other debts include credit card debt, student loan debt, and car loan debt.
Please enter your answer below in thousands of dollars.
o $________,000
****Prompt user if they enter number above 1000, which is the equivalent of saying they have $1
million in non-mortgage debt.
Prompt for DE019, where DE013 = 1:
You told us that the dollar value of your household’s non-mortgage debt is [FILL WITH RESPONSE FROM
DE019, BUT PUT IT IN DOLLARS, NOT THOUSANDS OF DOLLARS, and format with commas, but no
decimal for cents. EXAMPLE $x,xxx,000].
<br><br>
If this is correct, please choose ‘Next’ to continue. Otherwise, please click ‘Back’ to change your
response.
******
else
(DE016) What is the approximate market value of your household's assets? Include real estate
that you own.
Please enter your answer below in thousands of dollars.
o $_______,000
©2008-2010 Federal Reserve Bank of Boston. All rights reserved. www.bostonfed.org
41
2010 Survey of Consumer Payment Choice
****DE016, where DE013 != 1: if R makes < $50000 [variable familyincome = (1,2,3,4,5,6,7,8,9,10,11)]
then prompt for response above 500 (which is equal to 500,000). If R makes between $50,000 and
$75,000 [variable familyincome = (12,13)], please prompt the R if they enter a value above 750, which is
the equivalent of saying that their net worth is greater than $750,000. Finally, if the R makes above
$75,000 [variable familyincome = 14] then prompt if the R enters a value above 3000, which is equal to
saying they have a net worth of $3 million.
Prompt for DE016, where DE013 != 1:
You told us that the market value of your household’s assets is [FILL WITH RESPONSE FROM DE016, BUT
PUT IT IN DOLLARS, NOT THOUSANDS OF DOLLARS, and format with commas, but no decimal for cents.
EXAMPLE $x,xxx,000].
<br><br>
If this is correct, please choose ‘Next’ to continue. Otherwise, please click ‘Back’ to change your
response. ***
(DE019) What is the approximate dollar amount of your household’s debts?
Please enter your answer below in thousands of dollars.
o $________,000
**** Prompt user if they enter number above 1000, which is the equivalent of saying they have $1
million in non-mortgage debt.
Prompt for DE019, where DE013 != 1:
You told us that the dollar value of your household’s debt is [FILL WITH RESPONSE FROM DE019, BUT
PUT IT IN DOLLARS, NOT THOUSANDS OF DOLLARS, and format with commas, but no decimal for cents.
EXAMPLE $x,xxx,000].
<br><br>
If this is correct, please choose ‘Next’ to continue. Otherwise, please click ‘Back’ to change your
response. ******
Endif
(CS_001) Could you tell us how interesting or uninteresting you found the questions in this
interview?
o 1 Very interesting
o 2 Interesting
o 3 Neither interesting or uninteresting
o 4 Uninteresting
o 5 Very uninteresting
(CS_003) Do you have any other comments on the interview? Please type these in the box
below.
©2008-2010 Federal Reserve Bank of Boston. All rights reserved. www.bostonfed.org
42