Cardholder perceptions of credit card limits Norbert Wong Massey University Claire Matthews Senior Lecturer, Massey University Massey University (PN205) Private Bag 11-222 Palmerston North New Zealand Ph: +64 6 350 5799 Extn 2329 Fax: +64 6 350 5651 C.D.Matthews@massey.ac.nz http://centre-banking-studies.massey.ac.nz Key words: Credit cards, New Zealand, Credit limit, Future income expectations Paper presented at the 10 th AIBF Banking and Finance Conference Melbourne, Australia 29-30 September 2005