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It is particularly relevant to study self-control with respect to credit card spending, given widespread concern about excessive credit card debt.2 Our results support a more nuanced view of the role of credit cards in contributing to self-control problems: they do not rule out that the level of credit card spending that is “too high,” as has been argued in the literature on self-control (Hoch and Loewenstein, 1991; Shefrin and Thaler, 1988; Prelec and Simester, 2001; Soman, 2001; Wertenbroch, 2002; Soman and Cheema, 2002), but they suggest that households do not borrow as much as they could