@article{debbaut_ghent_kudlyak_2016, title={The CARD Act and young borrowers: The effects and the affected}, volume={48}, DOI={10.1111/jmcb.12340}, number={7}, journal={Journal of Money, Credit, and Banking}, author={Debbaut, P. and Ghent, A. and Kudlyak, M.}, year={2016}, pages={1495–1513} }