The consumer credit use project has gained a lot of attention. From the lens of behavioral economics, we investigates consumers´ choice between saving and credit use. Understanding of consumers’ credit use is of vital importance as well as for the responsible policy-makes, credit card companies, researchers, as for the individual credit users. This research is done by Asle Fagerstrøm (Westerdals Oslo ACT, Norway), Donald Hantula (Temple University, US) and Lars Sydnes (Westerdals Oslo ACT). Our research is published in The Psychological Records and has been mentioned in Forskning.no, Aftenposten, NRK (Norwegian Broadcasting Corporation).