Table 5 Regression results on take-up rates

FFL

−1.06e−02

3.53e−03***

−5.71e−02

0.01***

−4.01e−02

4.77e−03***

PR

−1.54e−02

1.91e03***

−2.45e−02

0.01***

−2.42e−02

3.53e−03***

BT fee

−3.29e−04

2.41e−04

−7.75e−04

4.3e−04*

Omitted

PB balance

1.18e−06

1.66e−06

1.57e−06

3.82e−06

4.28e−06

2.81e−06

Finance charge

4.87e−04

1.33e−04***

−1.86e−04

3.06e−04

3.34e−04

2.22e−04

Fee

−5.18e−04

1.78e−04***

−2.79e−03

4.17e−04***

−3.71e−03

3.01e−04***

Spending

−1.38e−05

7.82e−06*

−2.61e−05

1.52e−05*

−1.69e−05

1.22e−05

Payment

1.05e−05

3.19e−06***

2.63e−05

7.27e−06***

1.8e−05

5.33e−06***

Cash spend

3.88e−05

3.57e−04

2.69e−04

8.63e−05***

1.06e−04

4.42e−05***

CCC #

4.28e−05

6.45e−03

−6.67e−03

0.01

3.23e−03

0.01

EFX #

−6.33e−04

2.87e−04***

3.73e−04

6.39e−04

1.37e−03

4.7e−04***

EFX limit

−1.02e−07

3.58e−08***

9.04e−08

8.31e−08

1.12e−07

6.07e−08*

CCC limit

−1.57e−06

5.20e−07***

−4.07e−08

1.15e−06

−2.67e−06

8.67e−07***

Behavior score

4.67e−05

1.48e−05***

−7.22e−05

3.12e−05*

−2e−05

2.43e−05

FICO score

−2.49e−04

4.56e−05***

−2.98e−04

1.02e−04***

−1.5e−04

7.54e−05***

CCC U. ratio

−0.04

6.73e−03***

−0.07

0.02***

−0.10

0.01***

EFX U. ratio

0.06

0.13***

0.10

0.03***

0.09

0.02***

Cons

0.41

0.05***

0.76

0.10***

0.54

0.07***