← Search Journal of Marketing 1940 Consumer Credit Costs: What Are They and Who Pays Them Otto C. Lorenz DOI10.2307/1245826 Sources semanticscholar openalex Cite APA 7 MLA 9 Chicago (author–date) Harvard Elsevier Harvard (JFE, JBF…) The Accounting Review Academy of Management American Marketing Association INFORMS (Management Science) Copy citation Copied ✓