1
PAYMENT METHOD COSTS ASSESSMENT:
SURVEY OF RETAILERS, 1983 [UNITED STATES]
(ICPSR 8171)
Principal Investigator
Richard T. Curtin
Survey Research Center
Institute for Social Research
University of Michigan
First ICPSR Edition
Winter 1984
Inter-university Consortium for
Political and Social Research
P.O. Box 1248
Ann Arbor, Michigan 48106
[Hard copy documentation transformed into machine-readable
text utilizing Optical Character Recognition (OCR) Scanning,
February 1992]
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BIBLIOGRAPHIC CITATION
Publications based on ICPSR data collections should
acknowledge those sources by means of bibliographic citations.
To ensure that such source attributions are captured for
social science bibliographic utilities, citations must appear
in footnotes or in the reference section of publications. The
bibliographic citation for this data collection is:
Curtin, Richard T. PAYMENT METHOD COSTS
ASSESSMENT: SURVEY OF RETAILERS, 1983 [UNITED
STATES] [Computer file]. Ann Arbor, MI: Survey
Research Center [producer], 1983. Ann Arbor, MI:
Inter-university Consortium for Political and
Social Research [distributor], 1984.
REQUEST FOR INFORMATION ON USE OF ICPSR RESOURCES
To provide funding agencies with essential information about
use of archival resources and to facilitate the exchange of
information about ICPSR participants' research activities,
users of ICPSR data are requested to send to ICPSR
bibliographic citations for each completed manuscript or
thesis abstract. Please indicate in a cover letter which data
were used.
DATA DISCLAIMER
The original collector of the data, ICPSR, and the relevant
funding agency bear no responsibility for uses of this
collection or for interpretations or inferences based upon
such uses.
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ICPSR 8171 Page 1
STUDY DESCRIPTION
This telephone interview survey was conducted during April and May,
1983 by the Survey Research Center of the Institute for Social Research,
University of Michigan. Funding was provided by Federal Reserve Board
grant #4094. The purpose of the survey was to collect data on the
sensitivity of retailers' pricing structure to methods of payment used
by consumers to make purchases. The major areas of investigation were
sales volume transacted by cash, personal checks, third party credit
cards and other methods; cost differences incurred by retailers for
accepting different payment methods; retailer experience with and
attitudes towards cash discounts and credit surcharges. The sampling
universe consisted of non-food retail establishments in the coterminous
United States with a primary SIC code from one of the following two,
three, and four digit categories: SIC 52 (excluding 527), 53, 553,
554, 56, 57, 591, 594, 5961, 5983, 5984 and 5992. The sample was a
stratified random sample of Dun and Bradstreet listings for
headquarters and sales locations of retail establishments stratified by
annual sales volume. The over-all response rate was 82 percent,
although retail firms with an annual sales volume of more that
$5,000,000 were somewhat less likely to respond. Other characteristics
of respondents and non-respondents did not differ significantly.
Related Publication:
Richard T. Curtin. Payment Method Costs: Assessments by Retailers,
Ann Arbor: Survey Research Center, University of Michigan. 1983.
FILE STRUCTURE
The data are available in both OSIRIS and card-image formats. There
are 410 variables for each of the 713 cases. The OSIRIS datafile has a
logical record length of 298 characters. Class IV
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HIGHLIGHTS
* This study was based on a sales-weighted nationally representative sample of
all non-food retail establishments, excluding vehicle dealers.
* The vast majority of retailers surveyed accepted cash (almost 100 percent),
personal checks (96 percent), and one or more third-party credit cards (82
percent). Although each payment method was widely accepted, credit card
sales accounted for just 10% of total sales, while cash and personal
checks combined accounted for 60% of total sales.
* In sharp contrast to third party credit cards, store credit cards were
accepted by just 11 percent of all retailers; but among retailers that
had store credit cards, 34% of total sales were accounted for by
this payment method.
* Few retailers monitored or estimated cost differences for the various
payment methods they accepted (14 percent). Even among firms with
annual sales volumes over $5 million, only 31 percent monitor some cost
differences, and just 17 percent monitor all types of costs.
* As a percentage of the average transaction size, the costs of accepting cash
were lowest (2.0%), closely followed by personal checks (2.5%), with
third-party credit cards the most expensive payment method to accept (4.0%).
* Higher costs incurred by accepting personal checks mainly involved loss
from bad checks, most frequently mentioned by the largest retailers in
terms of annual sales volume. The largest retailers were also the most
likely to report paying check verification fees.
* The much higher reported cost of accepting third-party credit cards was
chiefly due to card fees and charges, although point-of-purchase costs were
also higher. In comparison with personal checks, the cost disadvantage of
third-party credit card sales was least among the largest retailers, for
whom credit cards provided significant reductions in losses due to bad
checks. Importantly, for retailers using a check verification service,
the median fee charged was 3.0%, identical to the reported median
third-party credit card fee.
* When asked why they accepted third-party credit cards despite their
relatively higher costs, the dominant responses given by retailers involve
revenue not cost considerations: 44 percent mentioned customer convenience,
and an additional 40 percent thought acceptance of third-party credit cards
encouraged sales.
* Among all retailers surveyed, 10 percent offered a discount for payment in
cash instead of using a third-party credit card. The median discount offered
was 4.0%. Among retailers that offered cash discounts, the majority were
either gasoline or furniture stores (27 percent).
* The majority of retailers thought that offering discounts for payments in
cash was a bad idea (57 percent), and the majority also thought adding an
extra fee or surcharge to credit cards sales was a bad idea (71 percent).
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ICPSR 8171 Page 3
When asked whether they would prefer a cash discount or a credit surcharge,
almost half of all retailers surveyed would prefer neither one (47 percent),
with 29 percent preferring cash discounts and 22 percent preferring credit
surcharges.
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1. SAMPLE DESIGN
This study of payment method costs was based on a telephone survey of a
nationally representative sample of non-food retail establishments, excluding
motor vehicle dealers. Individual retailers were selected with probabilities
proportionate to their share of total annual retail sales. Consequently, the
response distributions given in this report represent total dollar sales, not
the total number of retailers. The reported percentages of sample respondents
giving one or another answer is equivalent to the proportion of total dollar
sales represented by those same retailers.
Selection of Retailers
The study population includes all retail establishments in the
coterminous United States with a primary SIC code from one of the following
two, three, and four digit categories: SIC 52 (excluding 527), 53, 553, 554,
56, 57, 591, 594, 5961, 5983, 5984, and 5992. Table 1.1 gives the
definition of each SIC code included in the sample, as well as the excluded
codes. The major exclusions involved food (SIC 54, 58, 592) and vehicle
sales (SIC 527, 551, 552, 555, 556, 557, 559). Overall, the sample
design is representative of approximately half of all retail sales and
approximately half of all retail establishments (see Table 1.2).
Sample establishments were selected using a two-step procedure. First,
a sample of establishments was provided by Dun & Bradstreet Corporation from
its master list, using specifications provided by SRC. The set of
specifications which SRC provided Dun & Bradstreet yielded more sample
establishment records than were actually needed for the final study. The
oversize sample permitted SRC to implement refinements of the stratification in
a subsequent selection of the final study sample. Under the sample design,
individual establishments were selected with a probability proportionate to
annual sales for the most recent fiscal year (see Table 1.2).
All firms and establishments were assigned to one of five strata on the
basis of annual sales: 1) Less than $50,000 in annual sales; 2)
$50,000-499,999; 3) $500,000-5,000,000; 4) $5,000,000-99,000,000; and 5) annual
sales of $100,000,000 or more. Within stratum 5, retailers with $700,000,000
or more in annual sales entered this sample with certainty. For stratum 1, the
sample size was set disproportionately high to guarantee that a reasonable
number of retail fims would be included so as to enhance analysis of smaller
firms. In all other strata, firms and establishments were sampled
systematically and with probabilities proportionate to annual sales. Prior to
selecting the sample, the frame for each stratum was sorted first by SIC code
and then by sales volume within SIC group. This systematic sampling procedure
in conjunction with the ordered frame produces an implicit stratification of
the sample by SIC group and sales within SIC group.
As a result, with the exception of stratum 1 and the self-representing
firms of stratum 5, each sample selection represents a fixed, equal amount of
sales dollars. Since stratum 1 establishments were sampled at a
disproportionately higher rate, a compensating weight must be applied to
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ICPSR 8171 Page 5
stratum 1 observations before they are included in any cross-strata analysis.
The value of this stratum 1 weight factor across strata analysis was 0.1.
Simple stratum-by-stratum analysis of the data will yield unbiased study
estimates. These estimates will implicitly introduce a "per dollar of retail
sales" emphasis to the analysis of survey statistics.
Table 1.3 shows the original number of retailers selected and interview
disposition within each of the 5 strata. Interviews were conducted with 713
retail firm s at sole locations or headquarters with an overall response rate
of 82%. Only among stratum 5 retailers was the response rate lower than the
overall average. The largest retailers more frequently refused to grant an
interview (often a matter of corporate policy), and were also more likely to
delay the interview pending approval by corporate officials, thus resulting in
an non-interview due to time constraints. Each interview was conducted by
telephone with the person most knowledgeable about payment method costs at the
sole or headquarters location.
The distribution by SIC code of retail firms which completed interviews
is given in Table 1.4. Differences in annual sales volume and average
transaction size are also shown for each type of retailer. Because of the
importance of both total sales volume and average transaction size in
determining payment method costs, most survey results are reported by these
stratifications. The relationship between annual sales volume and average
transaction size is shown in Table 1.5, which indicates little systematic
association.
Sampling errors arise because only a fraction of the population is
selected. The magnitude of the sampling error depends on the size of the
sample, its stratification, and the magnitude of the reported percentage in
question. In general, Table 1.6 indicates that, for the total sample,
sampling errors greater than 4.0% will occur by chance in less than five cases
out of one hundred.
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DATA MAP FOR STUDY NUMBER 8171.
THE FOLLOWING IS A LIST OF ABBREVIATIONS THE USER MAY ENCOUNTER IN THIS FILE:
COL = COLUMN LOCATION FOR CARD-IMAGE DATA.
LOC = LOCATION FOR OSIRIS OR LOGICAL RECORD LENGTH DATA.
NDEC = NUMBER OF DECIMAL DIGITS.
(THIS IS OMITTED IF THERE ARE NO DECIMAL DIGITS.)
DK = DECK (REFERS TO DECK NUMBER IN CARD-IMAGE DATA.
FOR LOGICAL LENGTH DATA, DECK NUMBER IS ALWAYS ONE.)
MD = MISSING DATA CODE.
VAR = VARIABLE NUMBER.
REF = REFERENCE NUMBER; NORMALLY THE SAME AS VARIABLE NUMBER.
WIDTH = FIELD WIDTH OF THE VARIABLE.
DECK IDENTIFICATION NUMBER IS '01' DK 1 COL 1- 2
----------------------------------
VAR 0001 CASE ID MD=0 OR GE 999999
REF 0001 LOC 1 WIDTH 6 DK 1 COL 3- 8
..............................................................
VAR 0001 CASE ID MD=0 OR GE 999999
REF 0001 LOC 1 WIDTH 6 DK 1 COL 9-14
..............................................................
VAR 0002 AREA CODE MD=0 OR GE 999
REF 0002 LOC 7 WIDTH 3 DK 1 COL 15-17
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ICPSR 8171 Page 7
..............................................................
VAR 0003 COVERSHEET ID MD=0 OR GE 9999
REF 0003 LOC 10 WIDTH 4 DK 1 COL 18-21
..............................................................
VAR 0004 INTERVIEWER ID MD=0 OR GE 9999
REF 0004 LOC 14 WIDTH 4 DK 1 COL 22-25
..............................................................
VAR 0005 DATE MONTH MD=0 OR GE 99
REF 0005 LOC 18 WIDTH 2 DK 1 COL 26-27
..............................................................
VAR 0006 DATE-DAY MD=0 OR GE 99
REF 0006 LOC 20 WIDTH 2 DK 1 COL 28-29
..............................................................
VAR 0007 LENGTH OF INTERVIEW MD=0 OR GE 999
REF 0007 LOC 22 WIDTH 3 DK 1 COL 30-32
2
VAR 0101 ACCEPT CASH MD=O OR GE 9
REF 0101 LOC 25 WIDTH 1 DK 1 COL 33
..............................................................
VAR 0102 %CASH TRANS MD=0 OR GE 9999
REF 0102 LOC 26 WIDTH 4 DK 1 COL 34-37
..............................................................
VAR 0103 ACCEPT PERS CK MD=0 OR GE 9
REF 0103 LOC 30 WIDTH 1 DK 1 COL 38
..............................................................
VAR 0104 %CK TRANS MD=0 OR GE 9999
REF 0104 LOC 31 WIDTH 4 DK 1 COL 39-42
..............................................................
VAR 0105 HAVE STORE CARD MD=0 OR GE 9
REF 0105 LOC 35 WIDTH 1 DK 1 COL 43
..............................................................
VAR 0106 %STORE CARD TRANS MD=0 OR GE 9999
REF 0106 LOC 36 WIDTH 4 DK 1 COL 44-47
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..............................................................
VAR 0107 ACCEPT CRED CARDS MD=0 OR GE 9
REF 0107 LOC 40 WIDTH 1 DK 1 COL 48
..............................................................
VAR 0108 %CRED CARD TRANS MD=0 OR GE 9999
REF 0108 LOC 41 WIDTH 4 DK 1 COL 49-52
3
VAR 0109 OTHER METHOD TRANS MD=0 OR GE 9
REF 0109 LOC 45 WIDTH 1 DK 1 COL 53
..............................................................
VAR 0110 OTHER METHOD TYPE-1 MD=0 OR GE 99
REF 0110 LOC 46 WIDTH 2 DK 1 COL 54-55
..............................................................
VAR 0111 %OTHER METHOD-1 MD=0 OR GE 9999
REF 0111 LOC 48 WIDTH 4 DK 1 COL 56-59
..............................................................
VAR 0112 OTHER METHOD TYPE-2 MD=0 OR GE 99
REF 0112 LOC 52 WIDTH 2 DK 1 COL 6o-61
..............................................................
VAR 0113 %OTHER METHOD-2 MD=0 OR GE 9999
REF 0113 LOC 54 WIDTH 4 DK 1 COL 62-65
..............................................................
VAR 0114 OTHER METHOD TYPE-3 MD=0 OR GE 99
REF 0114 LOC 58 WIDTH 2 DK 1 COL 66-67
..............................................................
VAR 0115 %OTHER METHOD-3 MD=0 OR GE 9999
REF 0115 LOC 60 WIDTH 4 DK 1 COL 68-71
..............................................................
VAR 0116 CKPT-CASH MD=0 OR GE 9
REF 0116 LOC 64 WIDTH l DK 1 COL 72
4
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ICPSR 8171 Page 9
VAR 0117 CKPT-PERS CK MD=0 OR GE 9
REF 0117 LOC 65 WIDTH 1 DK 1 COL 73
..............................................................
VAR 0118 CKPT-CRED CARD MD=0 OR GE 9
REF 0118 LOC 66 WIDTH 1 DK 1 COL 74
..............................................................
VAR 0119 CKPT-STORE & OTHER MD=0 OR GE 9
REF 0119 LOC 67 WIDTH 1 DK 1 COL 75
..............................................................
VAR 0120 CKPT-CRED CARD-2 MD=0 OR GE 9
REF 0120 LOC 68 WIDTH 1 DK 1 COL 76
..............................................................
VAR 0121 CKPT-STORE & OTHER-2 MD=0 OR GE 9
REF 0121 LOC 69 WIDTH 1 DK 1 COL 77
..............................................................
VAR 0122 WHY NOT CKS-B(l) MD=0 OR GE 99
REF 0122 LOC 70 WIDTH 2 DK 1 COL 78-79
DECK IDENTIFICATION NUMBER IS '02' DK 2 COL 1- 2
----------------------------------
..............................................................
VAR 0001 CASE ID MD=0 OR GE 999999
REF 0001 LOC 1 WIDTH 6 DK 2 COL 3- 8
..............................................................
VAR 0123 WHY NOT CKS-B(2) MD=0 OR GE 99
REF 0123 LOC 72 WIDTH 2 DK 2 COL 9-10
5
VAR 0124 EVER TAKE CKS-B MD=0 OR GE 9
REF 0124 LOC 74 WIDTH 1 DK 2 COL 11
..............................................................
VAR 0125 CKS STOP YRS-B MD=0 OR GE 99
REF 0125 LOC 75 WIDTH 2 DK 2 COL 12-13
..............................................................
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VAR 0126 WHY NOT CRED CARDS-B(l) MD=0 OR GE 99
REF 0126 LOC 77 WIDTH 2 DK 2 COL 14-15
..............................................................
VAR 0127 WHY NOT CRED CARDS-B(2) MD=0 OR GE 99
REF 0127 LOC 79 WIDTH 2 DK 2 COL 16-17
..............................................................
VAR 0128 EVER TAKE CRED CARDS-B MD=0 OR GE 9
REF 0128 LOC 81 WIDTH 1 DK 2 COL 18
..............................................................
VAR 0129 CRED CARDS STOP YRS-B MD=0 OR GE 99
REF 0129 LOC 82 WIDTH 2 DK 2 COL 19-20
..............................................................
VAR 0130 PERS CK M/L CASH-1-B MD=0 OR GE 9
REF 0130 LOC 84 WIDTH 1 DK 2 COL 21
..............................................................
VAR 0131 CRED CARDS M/L CASH-1-B MD=0 OR GE 9
REF 0131 LOC 85 WIDTH 1 DK 2 COL 22
6
VAR 0132 CRED CARD M/L PERCK-1-B MD=0 OR GE 9
REF 0132 LOC 86 WIDTH 1 DK 2 COL 23
..............................................................
VAR 0133 PER CK M/L CASH-2-B MD=0 OR GE 9
REF 0133 LOC 87 WIDTH 1 DK 2 COL 24
..............................................................
VAR 0134 CRED CARD M/L CASH-2-B MD=0 OR GE 9
REF 0134 LOC 88 WIDTH 1 DK 2 COL 25
..............................................................
VAR 0135 CRED CARD M/L PERCK-2-B MD=0 OR GE 9
REF 0135 LOC 89 WIDTH 1 DK 2 COL 26
..............................................................
VAR 0136 PER CK M/L CASH-3-B MD=0 OR GE 9
REF 0136 LOC 90 WIDTH 1 DK 2 COL 27
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ICPSR 8171 Page 11
..............................................................
VAR 0137 CRED CARD M/L CASH-3-B MD=0 OR GE 9
REF 0137 LOC 91 WIDTH 1 DK 2 COL 28
..............................................................
VAR 0138 CRED CARD M/L PERCK-3-8 MD=0 OR GE 9
REF 0138 LOC 92 WIDTH 1 DK 2 COL 29
..............................................................
VAR 0139 PERCK M/L CASH-4-B MD=0 OR GE 9
REF 0139 LOC 93 WIDTH 1 DK 2 COL 30
7
VAR 0140 CRED CARD M/L CASH-4-B MD=0 OR GE 9
REF 0140 LOC 94 WIDTH 1 DK 2 COL 31
..............................................................
VAR 0141 CRED CARD M/L PERCK-4-B MD=0 OR GE 9
REF 0141 LOC 95 WIDTH 1 DK 2 COL 32
..............................................................
VAR 0142 $AVE CASH TRANS-B MD=0 OR GE 9999
REF 0142 LOC 96 WIDTH 4 DK 2 COL 33-36
..............................................................
VAR 0143 %COST CASH TRANS-B MD=0 OR GE 9999
REF 0143 LOC 100 WIDTH 4 DK 2 COL 37-40
..............................................................
VAR 0144 $COST CASH TRANS-B MD=0 OR GE 9999
REF 0144 LOC 104 WIDTH 4 DK 2 COL 41-44
..............................................................
VAR 0201 PYMNT PREF-C MD=0 OR GE 9
REF 0201 LOC 108 WIDTH 1 DK 2 COL 45
..............................................................
VAR 0202 WHY PYMNT PREF-C(1) MD=0 OR GE 99
REF 0202 LOC 109 WIDTH 2 DK 2 COL 46-47
..............................................................
VAR 0203 WHY PYMNT PREF-C(2) MD=0 OR GE 99
REF 0203 LOC 111 WIDTH 2 DK 2 COL 48-49
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VAR 0204 INCR SALES PYMNT-C MD=0 OR GE 9
REF 0204 LOC 113 WIDTH 1 DK 2 COL 50
..............................................................
VAR 0205 WHY INCR SALES PYMT-C(l) MD=0 OR GE 99
REF 0205 LOC 114 WIDTH 2 DK 2 COL 51-52
..............................................................
VAR 0206 WHY INCR SALES PYMT-C(2) MD=0 OR GE 99
REF 0206 LOC 116 WIDTH 2 DK 2 COL 53-54
..............................................................
VAR 0207 CK POLICY LIMITS-C MD=0 OR GE 9
REF 0207 LOC 118 WIDTH 1 DK 2 COL 55
..............................................................
VAR 0208 WHAT CK LIMITS-C(l) MD=0 OR GE 99
REF 0208 LOC 119 WIDTH 2 DK 2 COL 56-57
..............................................................
VAR 0209 WHAT CK LIMITS-C(2) MD=0 OR GE 99
REF 0209 LOC 121 WIDTH 2 DK 2 COL 58-59
..............................................................
VAR 0210 WHY NOT CRED CARDS-C(l) MD=0 OR GE 99
REF 0210 LOC 123 WIDTH 2 DK 2 COL 60-61
..............................................................
VAR 0211 WHY NOT CRED CARDS-C(2) MD=0 OR GE 99
REF 0211 LOC 125 WIDTH 2 DK 2 COL 62-63
9
VAR 0212 EVER TAKE CRED CARDS-C MD=0 OR GE 9
REF 0212 LOC 127 WIDTH 1 DK 2 COL 64
..............................................................
VAR 0213 CRED CARDS STOP YRS-C MD=0 OR GE 99
REF 0213 LOC 128 WIDTH 2 DK 2 COL 65-66
..............................................................
VAR 0214 PERCK M/L CASH-1-C MD=0 OR GE 9
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ICPSR 8171 Page 13
REF 0214 LOC 130 WIDTH 1 OK 2 COL 67
..............................................................
VAR 0215 %PER CK M/L CASH-1-C MD=0 OR GE 9999
REF 0215 LOC 131 WIDTH 4 DK 2 COL 68-71
..............................................................
VAR 0216 CRED CARD M/L CASH-1-C MD=0 OR GE 9
REF 0216 LOC 135 WIDTH 1 DK 2 COL 72
..............................................................
VAR 0217 CRED CARD M/L CASH-1-C MD=0 OR GE 9
REF 0217 LOC 136 WIDTH 1 DK 2 COL 73
..............................................................
VAR 0218 PERCK M/L CASH-2-C MD=0 OR GE 9
REF 0218 LOC 137 WIDTH 1 DK 2 COL 74
..............................................................
VAR 0219 %PERCK M/L CASH-2-C MD=0 OR GE 9999
REF 0219 LOC 138 WIDTH 4 DK 2 COL 75-78
10
VAR 0220 CRED CARD M/L CASH-2-C MD=0 OR GE 9
REF 0220 LOC 142 WIDTH 1 DK 2 COL 79
..............................................................
VAR 0221 CRED CARD M/L PERCK-2-C MD=0 OR GE 9
REF 0221 LOC 143 WIDTH 1 DK 2 COL 80
DECK IDENTIFICATION NUMBER IS '03' DK 3 COL 1- 2
----------------------------------
..............................................................
VAR 0001 CASE ID MD=0 OR GE 999999
REF 0001 LOC 1 WIDTH 6 DK 3 COL 3- 8
..............................................................
VAR 0222 PAY CK FEE-C MD=0 OR GE 9
REF 0222 LOC 144 WIDTH 1 DK 3 COL 9
..............................................................
VAR 0223 %CK FEE-C MD=0 OR GE 9999
REF 0223 LOC 145 WIDTH 4 DK 3 COL 10-13
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..............................................................
VAR 0224 $CK FEE-C MD=0 OR GE 9999
REF 0224 LOC 149 WIDTH 4 DK 3 COL 14-17
..............................................................
VAR 0225 PERCK M/L CASH-3-C MD=0 OR GE 9
REF 0225 LOC 153 WIDTH 1 DK 3 COL 18
..............................................................
VAR 0226 %PERCK M/L CASH-3-C MD=0 OR GE 9999
REF 0226 LOC 154 WIDTH 4 DK 3 COL 19-22
11
VAR 0227 CRED CARD M/L CASH-3-C MD=0 OR GE 9
REF 0227 LOC 158 WIDTH 1 DK 3 COL 23
..............................................................
VAR 0228 PERCK M/L CASH-3-C MD=0 OR GE 9
REF 0228 LOC 159 WIDTH 1 DK 3 COL 24
..............................................................
VAR 0229 PERCK M/L CASH-4-C MD=0 OR GE 9
REF 0229 LOC 160 WIDTH 1 DK 3 COL 25
..............................................................
VAR 0230 %PERCK M/L CASH-4-C MD=0 OR GE 9999
REF 0230 LOC 161 WIDTH 4 DK 3 COL 26-29
..............................................................
VAR 0231 CRED CARD M/L CASH-4-C MD=0 OR GE 9
REF 0231 LOC 165 WIDTH 1 DK 3 COL 30
..............................................................
VAR 0232 CRED CARD M/L PERCK-4-C MD=0 OR GE 9
REF 0232 LOC 166 WIDTH 1 DK 3 COL 31
..............................................................
VAR 0233 $AVE CASH TRANS-C MD=0 OR GE 9999
REF 0233 LOC 167 WIDTH 4 DK 3 COL 32-35
..............................................................
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VAR 0234 %COST CASH TRANS-C MD=0 OR GE 9999
REF 0234 LOC 171 WIDTH 4 DK 3 COL 36-39
12
VAR 0235 $COST CASH TRANS-C MD=0 OR GE 9999
REF 0235 LOC 175 WIDTH 4 DK 3 COL 40-43
..............................................................
VAR 0236 IMP CASH COST-C MD=0 OR GE 99
REF 0236 LOC 179 WIDTH 2 DK 3 COL 44-45
..............................................................
VAR 0237 $AVE CK TRANS-C MD=0 OR GE 9999
REF 0237 LOC 181 WIDTH 4 DK 3 COL 46-49
..............................................................
VAR 0238 %COST CK TRANS-C MD=0 OR GE 9999
REF 0238 LOC 185 WIDTH 4 DK 3 COL 50-53
..............................................................
VAR 0239 $COST CK TRANS-C MD=0 OR GE 9999
REF 0239 LOC 189 WIDTH 4 DK 3 COL 54-57
..............................................................
VAR 0240 IMP CK COST-C MD=0 OR GE 99
REF 0240 LOC 193 WIDTH 2 DK 3 COL 58-59
..............................................................
VAR 0301 CKPT-STORE CARD-D MD=0 OR GE 9
REF 0301 LOC 195 WIDTH 1 DK 3 COL 60
..............................................................
VAR 0302 ISSUE CARD-D MD=0 OR GE 9
REF 0302 LOC 196 WIDTH 1 DK 3 COL 61
13
VAR 0303 PYMNT PREF-D MD=0 OR GE 9
REF 0303 LOC 197 WIDTH 1 DK 3 COL 62
..............................................................
VAR 0304 WHY PYMNT PREF-D(l) MD=0 OR GE 99
REF 0304 LOC 198 WIDTH 2 DK 3 COL 63-64
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..............................................................
VAR 0305 WHY PYMNT PREF-D(2) MD=0 OR GE 99
REF 0305 LOC 200 WIDTH 2 DK 3 COL 65-66
..............................................................
VAR 0306 INCR SALES PYMNT-D MD=0 OR GE 9
REF 0306 LOC 202 WIDTH 1 DK 3 COL 67
..............................................................
VAR 0307 WHY INCR SALES PYMT-D(l) MD=0 OR GE 99
REF 0307 LOC 203 WIDTH 2 DK 3 COL 68-69
..............................................................
VAR 0308 WHY INCR SALES PYMT-D(2) MD=0 OR GE 99
REF 0308 LOC 205 WIDTH 2 DK 3 COL 70-71
..............................................................
VAR 0309 LIMIT STORE CARD MD=0 OR GE 9
REF 0309 LOC 207 WIDTH 1 DK 3 COL 72
..............................................................
VAR 0310 WHAT LIMITS-D(l) MD=0 OR GE 99
REF 0310 LOC 208 WIDTH 2 DK 3 COL 73-74
14
VAR 0311 WHAT LIMITS-D(2) MD=0 OR GE 99
REF 0311 LOC 210 WIDTH 2 DK 3 COL 75-76
..............................................................
VAR 0312 WHY NOT CKS-D(l) MD=0 OR GE 99
REF 0312 LOC 212 WIDTH 2 DK 3 COL 77-78
..............................................................
VAR 0313 WHY NOT CKS-D(2) MD=0 OR GE 99
REF 0313 LOC 214 WIDTH 2 DK 3 COL 79-80
DECK IDENTIFICATION NUMBER IS '04' DK 4 COL 1- 2
----------------------------------
..............................................................
VAR 0001 CASE ID MD=0 OR GE 999999
REF 0001 LOC 1 WIDTH 6 DK 4 COL 3- 8
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ICPSR 8171 Page 17
..............................................................
VAR 0314 EVER TAKE CKS-D MD=0 OR GE 9
REF 0314 LOC 216 WIDTH 1 DK 4 COL 9
..............................................................
VAR 0315 CKS STOP YRS-D MD=0 OR GE 99
REF 0315 LOC 217 WIDTH 2 DK 4 COL 10-11
..............................................................
VAR 0316 CARD STORE M/L CASH-1-D MD=0 OR GE 9
REF 0316 LOC 219 WIDTH 1 DK 4 COL 12
..............................................................
VAR 0317 %STORE M/L CASH-1-D MD=0 OR GE 9999
REF 0317 LOC 220 WIDTH 4 DK 4 COL 13-16
15
VAR 0318 PERCK M/L CASH-1-D MD=0 OR GE 9
REF 0318 LOC 224 WIDTH 1 DK 4 COL 17
..............................................................
VAR 0319 CARD STORE M/L PERCK-1-D MD=0 OR GE 9
REF 0319 LOC 225 WIDTH 1 DK 4 COL 18
..............................................................
VAR 0320 CARD STORE M/L CASH-1-D MD=0 OR GE 9
REF 0320 LOC 226 WIDTH 1 DK 4 COL 19
..............................................................
VAR 0321 %STORE M/L CASH-2-D MD=0 OR GE 9999
REF 0321 LOC 227 WIDTH 4 DK 4 COL 20-23
..................................................................
VAR 0322 PERCK M/L CASH-2-D MD=0 OR GE 9
REF 0322 LOC 231 WIDTH 1 DK 4 COL 24
..............................................................
VAR 0323 CARD STORE M/L PERCK-2-D MD=0 OR GE 9
REF 0323 LOC 232 WIDTH 1 DK 4 COL 25
..............................................................
VAR 0324 %CRED CARD FEE-D MD=0 OR GE 9999
REF 0324 LOC 233 WIDTH 4 DK 4 COL 26-29
1
Page 18 ICPSR 8171
..............................................................
VAR 0325 $CRED CARD FEE-D MD=0 OR GE 9999
REF 0325 LOC 237 WIDTH 4 DK 4 COL 30-33
16
VAR 0326 WHY CRED CARDS-D MD=0 OR GE 99
REF 0326 LOC 241 WIDTH 2 DK 4 COL 34-35
..............................................................
VAR 0327 CARD STORE M/L CASH-3-D MD=0 OR GE 9
REF 0327 LOC 243 WIDTH 1 DK 4 COL 36
..............................................................
VAR 0328 %STORE M/L CASH-3-D MD=0 OR GE 9999
REF 0328 LOC 244 WIDTH 4 DK 4 COL 37-40
..............................................................
VAR 0329 PERCK M/L CASH-3-D MD=0 OR GE 9
REF 0329 LOC 248 WIDTH 1 DK 4 COL 41
..............................................................
VAR 0330 CARD STORE M/L PERCK-3-D MD=0 OR GE 9
REF 0330 LOC 249 WIDTH 1 DK 4 COL 42
..............................................................
VAR 0331 CARD STORE M/L CASH-4-D MD=0 OR GE 9
REF 0331 LOC 250 WIDTH 1 DK 4 COL 43
..............................................................
VAR 0332 %STORE M/L CASH-4-D MD=0 OR GE 9999
REF 0332 LOC 251 WIDTH 4 DK 4 COL 44-47
..............................................................
VAR 0333 PERCK M/L CASH-4-D MD=0 OR GE 9
REF 0333 LOC 255 WIDTH 1 DK 4 COL 48
17
VAR 0334 CARD STORE M/L PERCK-4-D MD=0 OR GE 9
REF 0334 LOC 256 WIDTH 1 DK 4 COL 49
..............................................................
VAR 0335 $AVE CASH TRANS-D MD=0 OR GE 9999
1
ICPSR 8171 Page 19
REF 0335 LOC 257 WIDTH 4 DK 4 COL 50-53
..............................................................
VAR 0336 %COST CASH TRANS-D MD=0 OR GE 9999
REF 0336 LOC 261 WIDTH 4 DK 4 COL 54-57
..............................................................
VAR 0337 $COST CASH TRANS-D MD=0 OR GE 9999
REF 0337 LOC 265 WIDTH 4 DK 4 COL 58-61
..............................................................
VAR 0338 IMP CASH COST-D MD=0 OR GE 99
REF 0338 LOC 269 WIDTH 2 DK 4 COL 62-63
..............................................................
VAR 0339 $AVE CK TRANS-D MD=0 OR GE 9999
REF 0339 LOC 271 WIDTH 4 DK 4 COL 64-67
..............................................................
VAR 0340 %COST CRED CARD TRANS-D MD=0 OR GE 9999
REF 0340 LOC 275 WIDTH 4 DK 4 COL 68-71
..............................................................
VAR 0341 $COST CRED CARD TRANS-D MD=0 OR GE 9999
REF 0341 LOC 279 WIDTH 4 DK 4 COL 72-75
18
VAR 0342 IMP CRED CARD COST-D MD=0 OR GE 99
REF 0342 LOC 283 WIDTH 2 DK 4 COL 76-77
..............................................................
VAR 0401 CKPT-STORE CARDS-E MD=0 OR GE 9
REF 0401 LOC 285 WIDTH 1 DK 4 COL 78
..............................................................
VAR 0402 ISSUE CARD-E MD=0 OR GE 9
REF 0402 LOC 286 WIDTH 1 DK 4 COL 79
..............................................................
VAR 0403 PYMNT PREF-E MD=0 OR GE 9
REF 0403 LOC 287 WIDTH 1 DK 4 COL 80
DECK IDENTIFICATION NUMBER IS '05' DK 5 COL 1- 2
----------------------------------
..............................................................
VAR 0001 CASE ID MD=0 OR GE 999999
REF 0001 LOC 1 WIDTH 6 DK 5 COL 3- 8
..............................................................
1
Page 20 ICPSR 8171
VAR 0404 WHY PYMNT PREF-E(l) MD=0 OR GE 99
REF 0404 LOC 288 WIDTH 2 DK 5 COL 9-10
..............................................................
VAR 0405 WHY PYMNT PREF-E(2) MD=0 OR GE 99
REF 0405 LOC 290 WIDTH 2 DK 5 COL 11-12
..............................................................
VAR 04o6 INCR SALES PYMNT-E MD=0 OR GE 9
REF 0406 LOC 292 WIDTH 1 DK 5 COL 13
19
VAR 0407 WHY INCR SALES PYMT-E(l) MD=0 OR GE 99
REF 0407 LOC 293 WIDTH 2 DK 5 COL 14-15
..............................................................
VAR 0408 WHY INCR SALES PYMT-E(2) MD=0 OR GE 99
REF 04o8 LOC 295 WIDTH 2 DK 5 COL 16-17
..............................................................
VAR 0409 CK POLICY LIMITS-E MD=0 OR GE 9
REF 0409 LOC 297 WIDTH 1 DK 5 COL 18
..............................................................
VAR 0410 WHAT CK LIMITS-E(1) MD=0 OR GE 99
REF 0410 LOC 298 WIDTH 2 DK 5 COL 19-20
..............................................................
VAR 0411 WHAT CK LIMITS-E(2) MD=0 OR GE 99
REF 0411 LOC 300 WIDTH 2 DK 5 COL 21-22
..............................................................
VAR 0412 CARD STORE LIMIT-E MD=0 OR GE 9
REF 0412 LOC 302 WIDTH 1 DK 5 COL 23
..............................................................
VAR 0413 WHAT STORE CARD LT-E(l) MD=0 OR GE 99
REF 0413 LOC 303 WIDTH 2 DK 5 COL 24-25
..............................................................
VAR 0414 WHAT STORE CARD LT-E(2) MD=0 OR GE 99
REF 0414 LOC 305 WIDTH 2 DK 5 COL 26-27
20
VAR 0415 PERCK M/L CASH-L-E MD=0 OR GE 9
REF 0415 LOC 307 WIDTH 1 DK 5 COL 28
1
ICPSR 8171 Page 21
..............................................................
VAR 0416 %PERCK M/L CASH-1-E MD=0 OR GE 9999
REF 0416 LOC 308 WIDTH 4 DK 5 COL 29-32
..............................................................
VAR 0417 CARD STORE M/L CASH-1-E MD=0 OR GE 9
REF 0417 LOC 312 WIDTH 1 DK 5 COL 33
..............................................................
VAR 0418 %STORE M/L CASH-1-E MD=0 OR GE 9999
REF 0418 LOC 313 WIDTH 4 DK 5 COL 34-37
..............................................................
VAR 0419 CARD STORE M/L CK-L-E MD=0 OR GE 9
REF 0419 LOC 317 WIDTH I DK 5 COL 38
..............................................................
VAR 0420 %STORE M/L CK-1-E MD=0 OR GE 9999
REF 0420 LOC 318 WIDTH 4 DK 5 COL 39-42
..............................................................
VAR 0421 PERCK M/L CASH-2-E MD=0 OR GE 9
REF 0421 LOC 322 WIDTH 1 DK 5 COL 43
..............................................................
VAR 0422 %PERCK M/L CASH-2-E MD=0 OR GE 9999
REF 0422 LOC 323 WIDTH 4 DK 5 COL 44-47
21
VAR 0423 CARD STORE M/L CASH-2-E MD=0 OR GE 9
REF 0423 LOC 327 WIDTH 1 DK 5 COL 48
..............................................................
VAR 0424 %STORE M/L CASH-2-E MD=0 OR GE 9999
REF 0424 LOC 328 WIDTH 4 DK 5 COL 49-52
..............................................................
VAR 0425 CARD STORE M/L CK-2-E MD=0 OR GE 9
REF 0425 LOC 332 WIDTH 1 DK 5 COL 53
..............................................................
VAR 0426 %STORE M/L CK-2-E MD=0 OR GE 9999
REF 0426 LOC 333 WIDTH 4 DK 5 COL 54-57
..............................................................
LAR 0427 PAY CK FEE-E MD=0 OR GE 9
1
Page 22 ICPSR 8171
REF 0427 LOC 337 WIDTH 1 DK 5 COL 58
..............................................................
VAR 0428 %CK FEE-E MD=0 OR GE 9999
REF 0428 LOC 338 WIDTH 4 DK 5 COL 59-62
..............................................................
VAR 0429 $CK FEE-E MD=0 OR GE 9999
REF 0429 LOC 342 WIDTH 4 DK 5 COL 63-66
..............................................................
VAR 0430 %CRED CARD FEE-E MD=0 OR GE 9999
REF 0430 LOC 346 WIDTH 4 DK 5 COL 67-70
22
VAR 0431 $CRED CARD FEE-E MD=0 OR GE 9999
REF 0431 LOC 350 WIDTH 4 DK 5 COL 71-74
..............................................................
VAR 0432 WHY CRED CARD-E MD=0 OR GE 99
REF 0432 LOC 354 WIDTH 2 DK 5 COL 75-76
..............................................................
VAR 0433 PERCK M/L CASH-3-E MD=0 OR GE 9
REF 0433 LOC 356 WIDTH 1 DK 5 COL 77
DECK IDENTIFICATION NUMBER IS '06' DK 6 COL 1- 2
----------------------------------
..............................................................
VAR 0001 CASE ID MD=0 OR GE 999999
REF 0001 LOC 1 WIDTH 6 DK 6 COL 3- 8
..............................................................
VAR 0434 %PERCK M/L CASH-3-E MD=0 OR GE 9999
REF 0434 LOC 357 WIDTH 4 DK 6 COL 9-12
..............................................................
VAR 0435 CARD STORE M/L CASH-3-E MD=0 OR GE 9
REF 0435 LOC 361 WIDTH 1 DK 6 COL 13
..............................................................
VAR 0436 %STORE M/L CASH-3-E MD=0 OR GE 9999
REF 0436 LOC 362 WIDTH 4 DK 6 COL 14-17
..............................................................
VAR 0437 CARD STORE M/L PERCK-3-E MD=0 OR GE 9
REF 0437 LOC 366 WIDTH 1 DK 6 COL 18
23
1
ICPSR 8171 Page 23
VAR 0438 %STORE M/L PERCK-3-E MD=0 OR GE 9999
REF 0438 LOC 367 WIDTH 4 DK 6 COL 19-22
..............................................................
VAR 0439 PERCK M/L CASH-4-E MD=0 OR GE 9
REF 0439 LOC 371 WIDTH 1 DK 6 COL 23
..............................................................
VAR 0440 %PERCK M/L CASH-4-E MD=0 OR GE 9999
REF 0440 LOC 372 WIDTH 4 DK 6 COL 24-27
..............................................................
VAR 0441 CARD STORE M/L CASH-4-E MD=0 OR GE 9
REF 0441 LOC 376 WIDTH 1 DK 6 COL 28
..............................................................
VAR 0442 %STORE M/L CASH-4-E MD=0 OR GE 9999
REF 0442 LOC 377 WIDTH 4 OK 6 COL 29-32
..............................................................
VAR 0443 CARD STORE M/L PERCK-4-E MD=0 OR GE 9
REF 0443 LOC 381 WIDTH 1 DK 6 COL 33
..............................................................
VAR 0444 %STORE M/L PERCK-4-EE MD=0 OR GE 9999
REF 0444 LOC 382 WIDTH 4 DK 6 COL 34-37
..............................................................
VAR 0445 $AVE CASH TRANS-E MD=0 OR GE 9999
REF 0445 LOC 386 WIDTH 4 OK 6 COL 38-41
24
VAR 0446 %COST CASH TRANS-E MD=0 OR GE 9999
REF 0446 LOC 390 WIDTH 4 DK 6 COL 42-45
..............................................................
VAR 0447 $COST CASH TRANS-E MD=0 OR GE 9999
REF 0447 LOC 394 WIDTH 4 DK 6 COL 46-49
..............................................................
VAR 0448 IMP CASH COST-E MD=0 OR GE 99
REF 0448 LOC 398 WIDTH 2 DK 6 COL 50-51
1
Page 24 ICPSR 8171
..............................................................
VAR 0449 $AVE CK TRANS-E MD=0 OR GE 9999
REF 0449 LOC 400 WIDTH 4 DK 6 COL 52-55
..............................................................
VAR 0450 %COST CK TRANS-E MD=0 OR GE 9999
REF 0450 LOC 404 WIDTH 4 DK 6 COL 56-59
..............................................................
VAR 0451 $COST CK TRANS-E MD=0 OR GE 9999
REF 0451 LOC 408 WIDTH 4 DK 6 COL 60-63
..............................................................
VAR 0452 IMP CK COST-E MD=0 OR GE 99
REF 0452 LOC 412 WIDTH 2 DK 6 COL 64-65
..............................................................
VAR 0453 $AVE CRED CARD TRANS-E MD=0 OR GE 9999
REF 0453 LOC 414 WIDTH 4 DK 6 COL 66-69
25
VAR 0454 %COST CRED CARD TRANS-E MD=0 OR GE 9999
REF 0454 LOC 418 WIDTH 4 DK 6 COL 70-73
..............................................................
VAR 0455 $COST CRED CARD TRANS-E MD=0 OR GE 9999
REF 0455 LOC 422 WIDTH 4 DK 6 COL 74-77
..............................................................
VAR 0456 IMP CRED CARD COST-E MD=0 OR GE 99
REF 0456 LOC 426 WIDTH 2 DK 6 COL 78-79
..............................................................
VAR 0501 ISSUE CARD-F MD=0 OR GE 9
REF 0501 LOC 428 WIDTH 1 DK 6 COL 80
DECK IDENTIFICATION NUMBER IS '07' DK 7 COL 1- 2
----------------------------------
..............................................................
VAR 0001 CASE ID MD=0 OR GE 999999
REF 0001 LOC 1 WIDTH 6 DK 7 COL 3- 8
1
ICPSR 8171 Page 25
..............................................................
VAR 0502 PYMNT PREF F MD=0 OR GE 9
REF 0502 LOC 429 WIDTH 1 DK 7 COL 9
..............................................................
VAR 0503 WHY PYMNT PREF-F(l) MD=0 OR GE 99
REF 0503 LOC 430 WIDTH 2 DK 7 COL 10-11
..............................................................
VAR 0504 WHY PYMNT PREF-F(2) MD=0 OR GE 99
REF 0504 LOC 432 WIDTH 2 DK 7 COL 12-13
26
VAR 0505 INCR SALES PYMNT-F(1) MD=0 OR GE 9
REF 0505 LOC 434 WIDTH 1 DK 7 COL 14
..............................................................
VAR 0506 WHY INCR SALES PYMT-F(1) MD=0 OR GE 99
REF 05o6 LOC 435 WIDTH 2 DK 7 COL 15-16
..............................................................
VAR 0507 WHY INCR SALES PYMT-F(2) MD=0 OR GE 99
REF 0507 LOC 437 WIDTH 2 DK 7 COL 17-18
..............................................................
VAR 0508 CK POLICY LIMITS-F MD=0 OR GE 9
REF 0508 LOC 439 WIDTH 1 DK 7 COL 19
..............................................................
VAR 0509 WHAT CK LIMITS-F(l) MD=0 OR GE 99
REF 0509 LOC 440 WIDTH 2 DK 7 COL 20-21
..............................................................
VAR 0510 WHAT CK LIMITS-F(2) MD=0 OR GE 99
REF 0510 LOC 442 WIDTH 2 DK 7 COL 22-23
..............................................................
VAR 0511 CARD STORE LIMITS-F MD=0 OR GE 9
REF 0511 LOC 444 WIDTH 1 DK 7 COL 24
..............................................................
VAR 0512 WHAT %STORE CARD LT-F(1) MD=0 OR GE 99
REF 0512 LOC 445 WIDTH 2 DK 7 COL 25-26
1
Page 26 ICPSR 8171
27
VAR 0513 WHAT STORE CARD LT-F(2) MD=0 OR GE 99
REF 0513 LOC 447 WIDTH 2 DK 7 COL 27-28
..............................................................
VAR 0514 CRED CARD LIMITS-F MD=0 OR GE 9
REF 0514 LOC 449 WIDTH 1 DK 7 COL 29
..............................................................
VAR 0515 WHAT CRED CARD LT-F(l) MD=0 OR GE 99
REF 0515 LOC 450 WIDTH 2 DK 7 COL 30-31
..............................................................
VAR 0516 WHAT CRED CARD LT-F(2) MD=0 OR GE 99
REF 0516 LOC 452 WIDTH 2 DK 7 COL 32-33
..............................................................
VAR 0517 PER CK M/L CASH-1-F MD=0 OR GE 9
REF 0517 LOC 454 WIDTH 1 DK 7 COL 34
..............................................................
VAR 0518 %PERCK M/L CASH-1-F MD=0 OR GE 9999
REF 0518 LOC 455 WIDTH 4 DK 7 COL 35-38
..............................................................
VAR 0519 CARD STORE M/L CASH-1-F MD=0 OR GE 9
REF 0519 LOC 459 WIDTH 1 DK 7 COL 39
..............................................................
VAR 0520 %STORE M/L CASH-1-F MD=0 OR GE 9999
REF 0520 LOC 460 WIDTH 4 DK 7 COL 40-43
28
VAR 0521 OTHER CARD M/L CASH-1-F MD=0 OR GE 9
REF 0521 LOC 464 WIDTH 1 DK 7 COL 44
................................................................
VAR 0522 OTHER M/L CASH-1 F MD=0 OR GE 9999
REF 0522 LOC 465 WIDTH 4 DK 7 COL 45-48
..............................................................
VAR 0523 CARD STORE M/L CK-1-F MD=0 OR GE 9
REF 0523 LOC 469 WIDTH 1 DK 7 COL 49
..............................................................
1
ICPSR 8171 Page 27
VAR 0524 %STORE M/L CK-1-F MD=0 OR GE 9999
REF 0524 LOC 470 WIDTH 4 DK 7 COL 50-53
..............................................................
VAR 0525 CARD STORE M/L OTHER-1-F MD=0 OR GE 9
REF 0525 -LOC 474 WIDTH 1 DK 7 COL 54
..............................................................
VAR 0526 %STORE M/L OTHER-1-F MD=0 OR GE 9999
REF 0526 LOC 475 WIDTH 4 DK 7 COL 55-58
..............................................................
VAR 0527 PERCK M/L CASH-2-F MD=0 OR GE 9
REF 0527 LOC 479 WIDTH 1 DK 7 COL 59
..............................................................
VAR 0528 %PERCK M/L CASH-2-F MD=0 OR GE 9999
REF 0528 LOC 480 WIDTH 4 DK 7 COL 60-63
29
VAR 0529 CARD STORE M/L CASH-2-F MD=0 OR GE 9
REF 0529 LOC 484 WIDTH 1 DK 7 COL 64
..............................................................
VAR 0530 %STORE M/L CASH-2-F MD=0 OR GE 9999
REF 0530 LOC 485 WIDTH 4 DK 7 COL 65-68
..............................................................
VAR 0531 OTHER CARD M/L CASH-2-F MD=0 OR GE 9
REF 0531 LOC 489 WIDTH 1 DK 7 COL 69
..............................................................
VAR 0532 %OTHER M/L CASH-2-F MD=0 OR GE 9999
REF 0532 LOC 490 WIDTH 4 DK 7 COL 70-73
..............................................................
VAR 0533 CARD STORE M/L CK-2-F MD=0 OR GE 9
REF 0533 LOC 494 WIDTH 1 DK 7 COL 74
..............................................................
VAR 0534 %STORE M/L CK-2-F MD=0 OR GE 9999
REF 0534 LOC 495 WIDTH 4 DK 7 COL 75-78
1
Page 28 ICPSR 8171
..............................................................
VAR 0535 CARD STORE M/L OTHER-2-F MD=0 OR GE 9
REF 0535 LOC 499 WIDTH 1 DK 7 COL 79
DECK IDENTIFICATION NUMBER IS '08' DK 8 COL 1- 2
----------------------------------
..............................................................
VAR 0001 CASE ID MD=0 OR GE 999999
REF 0001 LOC 1 WIDTH 6 DK 8 COL 3- 8
30
VAR 0536 %STORE M/L OTHER-2-F MD=0 OR GE 9999
REF 0536 LOC 500 WIDTH 4 DK 8 COL 9-12
..............................................................
VAR 0537 PAY CK FEE-F MD=0 OR GE 9
REF 0537 LOC 504 WIDTH 1 DK 8 COL 13
..............................................................
VAR 0538 %CK FEE-F MD=0 OR GE 9999
REF 0538 LOC 505 WIDTH 4 DK 8 COL 14-17
..............................................................
VAR 0539 $CK FEE-F MD=0 OR GE 9999
REF 0539 LOC 509 WIDTH 4 DK 8 COL 18-2l
..............................................................
VAR 0540 %CRED CARD FEE-F MD=0 OR GE 9999
REF 0540 LOC 513 WIDTH 4 DK 8 COL 22-25
..............................................................
VAR 0541 $CRED CARD FEE-F MD=0 OR GE 9999
REF 0541 LOC 517 WIDTH 4 DK 8 COL 26-29
..............................................................
VAR 0601 WHY OTHER CARDS-F MD=0 OR GE 99
REF 0601 LOC 521 WIDTH 2 DK 8 COL 30-31
..............................................................
VAR 0602 PERCK M/L CASH-3-F MD=0 OR GE 9
1
ICPSR 8171 Page 29
REF 0602 LOC 523 WIDTH 1 DK 8 COL 32
3 1
VAR 0603 %PERCK M/L CASH-3-F MD=0 OR GE 9999
REF 0603 LOC 524 WIDTH 4 DK 8 COL 33-36
..............................................................
VAR O604 CARD STORE M/L CASH-3-F MD=0 OR GE 9
REF 0604 LOC 528 WIDTH 1 DK 8 COL 37
..............................................................
VAR 0605 %STORE M/L CASH-3-F MD=0 OR GE 9999
REF 06O5 LOC 529 WIDTH 4 DK 8 COL 38-41
..............................................................
VAR 0606 OTHER CARD M/L CASH-3-F MD=0 OR GE 9
REF 0606 LOC 533 WIDTH 1 DK 8 COL 42
..............................................................
VAR 0607 %OTHER M/L CASH-3-F MD=0 OR GE 9999
REF 0607 LOC 534 WIDTH 4 DK 8 COL 43-46
................................................................
VAR 06 8 CARD STORE M/L CK-3-F MD=0 OR GE 9
REF 0608 LOC 538 WIDTH 1 DK 8 COL 47
..............................................................
VAR 0609 %STORE M/L CK-3-CF MD=0 OR GE 9999
REF 0609 LOC 539 WIDTH 4 DK 8 COL 48-51
..............................................................
VAR 0610 CARD STORE M/L OTHER-3-F MD=0 OR GE 9
REF 0610 LOC 543 WIDTH 1 DK 8 COL 52
32
VAR 0611 %STORE M/L OTHER-3-F MD=0 OR GE 9999
REF 0611 LOC 544 WIDTH 4 DK 8 COL 53-56
..............................................................
VAR 0612 PERCK M/L CASH-4-F MD=0 OR GE 9
REF 0612 LOC 548 WIDTH 1 DK 8 COL 57
..............................................................
1
Page 30 ICPSR 8171
VAR 0613 %PERCK M/L CASH-4-F MD=0 OR GE 9999
REF 0613 LOC 549 WIDTH 4 DK 8 COL 58-61
..............................................................
VAR 06l4 CARD STORE M/L CASH-4-F MD=0 OR GE 9
REF 06l4 LOC 553 WIDTH 1 DK 8 COL 62
..............................................................
VAR 0615 %STORE M/L CASH-4-F MD=0 OR GE 9999
REF 0615 LOC 554 WIDTH 4 DK 8 COL 63-66
..............................................................
VAR 0616 OTHER CARD M/L CASH-4-F MD=0 OR GE 9
REF 0616 LOC 558 WIDTH 1 DK 8 COL 67
..............................................................
VAR 0617 %OTHER M/L CASH-4-F MD=0 OR GE 9999
REF 0617 LOC 559 WIDTH 4 DK 8 COL 68-71
..............................................................
VAR 0618 CARD STORE M/L CK-4-F MD=0 OR GE 9
REF 0618 LOC 563 WIDTH 1 DK 8 COL 72
33
VAR 0619 %STORE M/L CK-4-F MD=0 OR GE 9999
REF o619 LOC 564 WIDTH 4 DK 8 COL 73-76
.................................................................
VAR o620 CARD STORE M/L OTHER 4-F MD=0 OR GE 9
REF 0620 LOC 568 WIDTH 1 DK 8 COL 77
DECK IDENTIFICATION NUMBER IS '09' DK 9 COL 1- 2
----------------------------------
..............................................................
VAR 0001 CASE ID MD=0 OR GE 999999
REF 0001 LOC 1 WIDTH 6 DK 9 COL 3- 8
..............................................................
VAR 0621 %STORE M/L OTHER-4-F MD=0 OR GE 9999
REF 0621 LOC 569 WIDTH 4 DK 9 COL 9-12
..............................................................
VAR 0622 $AVE CASH TRANS-F MD=0 OR GE 9999
REF 0622 LOC 573 WIDTH 4 DK 9 COL 13-16
1
ICPSR 8171 Page 31
..............................................................
VAR 0623 %COST CASH TRANS-F MD=0 OR GE 9999
REF 0623 LOC 577 WIDTH 4 DK 9 COL 17-20
..............................................................
VAR 0624 $COST CASH TRANS MD=0 OR GE 9999
REF o624 LOC 581 WIDTH 4 DK 9 COL 21-24
..............................................................
VAR 0625 IMP CASH COST-F MD=0 OR GE 99
REF 0625 LOC 585 WIDTH 2 DK 9 COL 25-26
34
VAR 0626 $AVE CK TRANS-F MD=0 OR GE 9999
REF 0626 LOC 587 WIDTH 4 DK 9 COL 27-30
..............................................................
VAR 0627 %COST CK TRANS-F MD=0 OR GE 9999
REF 0627 LOC 591 WIDTH 4 DK 9 COL 31-34
..............................................................
VAR 0628 $COST CK TRANS-F MD=0 OR GE 9999
REF 0628 LOC 595 WIDTH 4 DK 9 COL 35-38
..............................................................
VAR 0629 IMP CK COST-F MD=0 OR GE 99
REF 0629 LOC 599 WIDTH 2 DK 9 COL 39-40
..............................................................
VAR 0630 $AVE STORE CARD TRANS-F MD=0 OR GE 9999
REF 0630 LOC 60l WIDTH 4 DK 9 COL 41-44
..............................................................
VAR 0631 %COST STORE TRANS-F MD=0 OR GE 9999
REF 0631 LOC 605 WIDTH 4 DK 9 COL 45-48
..............................................................
VAR 0632 $COST STORE TRANS-F MD=0 OR GE 9999
REF 0632 LOC 609 WIDTH 4 DK 9 COL 49-52
..............................................................
VAR 0633 IMP STORE CARD COST-F MD=0 OR GE 99
1
Page 32 ICPSR 8171
REF 0633 LOC 613 WIDTH 2 DK 9 COL 53-54
35
VAR 0634 $AVE OTHER CARD TRANS-F MD=0 OR GE 9999
REF 0634 LOC 615 WIDTH 4 DK 9 COL 55-58
..............................................................
VAR 0635 %COST OTHER TRANS-F MD=0 OR GE 9999
REF 0635 LOC 619 WIDTH 4 DK 9 COL 59-62
..............................................................
VAR 0636 $COST OTHER TRANS-F MD=0 OR GE 9999
REF 0636 LOC 623 WIDTH 4 DK 9 COL 63-66
................................ .............................
VAR 0637 IMP OTHER CARD COST-F MD=0 OR GE 99
REF 0637 LOC 627 WIDTH 2 DK 9 COL 67-68
..............................................................
VAR 0701 ISSUE CARD-G MD=0 OR GE 9
REF 0701 LOC 629 WIDTH 1 DK 9 COL 69
..............................................................
VAR 0702 PYMNT PREF-G MD=0 OR GE 9
REF 0702 LOC 630 WIDTH 1 DK 9 COL 70
..............................................................
VAR 0703 WHY PYMNT PREF-G(l) MD=0 OR GE 99
REF 0703 LOC 631 WIDTH 2 DK 9 COL 71-72
..............................................................
VAR 0704 WHY PYMNT PREF-G(2) MD=0 OR GE 99
REF 0704 LOC 633 WIDTH 2 DK 9 COL 73-74
36
VAR 0705 INCR SALES PYMNT-G MD=0 OR GE 9
REF 0705 LOC 635 WIDTH 1 DK 9 COL 75
..............................................................
VAR 0706 WHY INCR SALES PYMT-G(l) MD=0 OR GE 99
REF 0706 LOC 636 WIDTH 2 DK 9 COL 76-77
1
ICPSR 8171 Page 33
..............................................................
VAR 0707 WHY INCR SALES PYMT-G(2) MD=0 OR GE 99
REF 0707 LOC 638 WIDTH 2 DK 9 COL 78-79
..............................................................
VAR 0708 CARD STORE LIMIT-G MD=0 OR GE 9
REF 0708 LOC 640 WIDTH 1 DK 9 COL 80.
DECK IDENTIFICATION NUMBER IS '10' DK 10 COL 1- 2
----------------------------------
..............................................................
VAR 0001 CASE ID MD=0 OR GE 999999
REF 0001 LOC 1 WIDTH 6 DK 10 COL 3- 8
..............................................................
VAR 0709 WHAT CARD STORE LT-G(l) MD=0 OR GE 99
REF 0709 LOC 641 WIDTH 2 DK 10 COL 9-10
..............................................................
VAR 0710 WHAT CARD STORE LT-G(2) MD=0 OR GE 99
REF 0710 LOC 643 WIDTH 2 DK 10 COL 11-12
..............................................................
VAR 0711 CRED CARD LIMIT-G MD=0 OR GE 9
REF 0711 LOC 645 WIDTH 1 DK 10 COL 13
37
VAR 0712 WHAT CRED LIMIT-G(l) MD=0 OR GE 99
REF 0712 LOC 646 WIDTH 2 DK 10 COL 14-15
..............................................................
VAR 0713 WHAT CRED LIMIT-G(2) MD=0 OR GE 99
REF 0713 LOC 648 WIDTH 2 DK 10 COL 16-17
..............................................................
VAR 0714 WHY NOT PERCK-G(l) MD=0 OR GE 99
REF 0714 LOC 650 WIDTH 2 DK 10 COL 18-19
..............................................................
VAR 0715 WHY NOT PERCK-G(2) MD=0 OR GE 99
1
Page 34 ICPSR 8171
REF 0715 LOC 652 WIDTH 2 DK 10 COL 20-21
..............................................................
VAR 0716 EVER ACCEPT PERCK-G MD=0 OR GE 9
REF 0716 LOC 654 WIDTH 1 DK 10 COL 22
..............................................................
VAR 0717 PERCK STOP YRS-G MD=0 OR GE 99
REF 0717 LOC 655 WIDTH 2 DK 10 COL 23-24
..............................................................
VAR 0718 CARD STORE M/L CASH-1-G MD=0 OR GE 9
REF 0718 LOC 657 WIDTH 1 DK 10 COL 25
..............................................................
VAR 0719 %STORE M/L CASH-1-G MD=0 OR GE 9999
REF 0719 LOC 658 WIDTH 4 DK 10 COL 26-29
38
VAR 0720 OTHER CARD M/L CASH-1-G MD=0 OR GE 9
REF 0720 LOC 662 WIDTH 1 DK 10 COL 30
..............................................................
VAR 0721 %OTHER M/L CASH-1-G MD=0 OR GE 9999
REF 0721 LOC 663 WIDTH 4 DK 10 COL 31-34
..............................................................
VAR 0722 CARD STORE M/L CRED-1-G MD=0 OR GE 9
REF 0722 LOC 667 WIDTH 1 DK 10 COL 35
..............................................................
VAR 0723 %STORE M/L CRED-1-G MD=0 OR GE 9999
REF 0723 LOC 668 WIDTH 4 DK 10 COL 36-39
..............................................................
VAR 0724 PERCK M/L CASH-1-G MD=0 OR GE 9
REF 0724 LOC 672 WIDTH 1 DK 10 COL 40
..............................................................
VAR 0725 CARD STORE M/L PERCK-1-G MD=0 OR GE 9
REF 0725 LOC 673 WIDTH 1 DK 10 COL 41
..............................................................
1
ICPSR 8171 Page 35
VAR 0726 CARD STORE M/L CASH-2-G MD=0 OR GE 9
REF 0726 LOC 674 WIDTH 1 DK 10 COL 42
..............................................................
VAR 0727 %STORE M/L CASH-2-G MD=0 OR GE 9999
REF 0727 LOC 675 WIDTH' 4 DK 10 COL 43-46
39
VAR 0728 OTHER CARD M/L CASH-2-G MD=0 OR GE 9
REF 0728 LOC 679 WIDTH 1 DK 10 COL 47
..............................................................
VAR 0729 %OTHER M/L CASH-2-G MD=0 OR GE 9999
REF 0729 LOC 680 WIDTH 4 DK 10 COL 48-51
..............................................................
VAR 0730 CARD STORE M/L CRED-2-G MD=0 OR GE 9
REF 0730 LOC 684 WIDTH 1 DK 10 COL 52
..............................................................
VAR 0731 %STORE M/L CRED-2-G MD=0 OR GE 9999
REF 0731 LOC 685 WIDTH 4 DK 10 COL 53-56
..............................................................
VAR 0732 PERCK M/L CASH-2-G MD=0 OR GE 9
REF 0732 LOC 689 WIDTH 1 DK 10 COL 57
..............................................................
VAR 0733 CARD STORE M/L PERCK-2-G MD=0 OR GE 9
REF 0733 LOC 690 WIDTH 1 DK 10 COL 58
..............................................................
VAR 0734 %CRED CARD FEE-G MD=0 OR GE 9999
REF 0734 LOC 691 WIDTH 4 DK 10 COL 59-62
..............................................................
VAR 0735 $CRED CARD FEE-G MD=0 OR GE 9999
REF 0735 LOC 695 WIDTH 4 DK 10 COL 63-66
40
VAR 0736 WHY OTHER CARDS-G MD=0 OR GE 99
REF 0736 LOC 699 WIDTH 2 DK 10 COL 67-68
1
Page 36 ICPSR 8171
..............................................................
VAR 0737 CARD STORE M/L CASH-3-G MD=0 OR GE 9
REF 0737 LOC 701 WIDTH 1 DK 10 COL 69
..............................................................
VAR 0738 %STORE M/L CASH-3-G MD=0 OR GE 9999
REF 0738 LOC 702 WIDTH 4 DK 10 COL 70-73
..............................................................
VAR 0739 OTHER CARD M/L CASH-3-G MD=0 OR GE 9
REF 0739 LOC 706 WIDTH 1 DK 10 COL 74
..............................................................
VAR 0740 %OTHER M/L CASH-3-G MD=0 OR GE 9999
REF 0740 LOC 707 WIDTH 4 DK 10 COL 75-78
..............................................................
VAR 0741 CARD STORE M/L CRED-3-G MD=0 OR GE 9
REF 0741 LOC 711 WIDTH 1 DK 10 COL 79
DECK IDENTIFICATION NUMBER IS '11' DK 11 COL 1- 2
----------------------------------
..............................................................
VAR 0001 CASE ID MD=0 OR GE 999999
REF 0001 LOC 1 WIDTH 6 DK 11 COL 3- 8
..............................................................
VAR 0742 %STORE M/L CRED-3-G MD=0 OR GE 9999
REF 0742 LOC 712 WIDTH 4 DK 11 COL 9-12
41
VAR 0743 PERCK M/L CASH-3-G MD=0 OR GE 9
REF 0743 LOC 716 WIDTH 1 DK 11 COL 13
..............................................................
VAR 0744 CARD STORE M/L PERCK-3-G MD=0 OR GE 9
REF 0744 LOC 717 WIDTH 1 DK 11 COL 14
..............................................................
VAR 0745 CARD STORE M/L CASH-4-G MD=0 OR GE 9
1
ICPSR 8171 Page 37
REF 0745 LOC 718 WIDTH 1 DK 11 COL 15
..............................................................
VAR 0746 %STORE M/L CASH-4-G MD=0 OR GE 9999
REF 0746 LOC 719 WIDTH 4 DK 11 COL 16-19
..............................................................
VAR 0801 OTHE CARDS M/L CASH-4-G MD=0 OR GE 9
REF 0801 LOC 723 WIDTH 1 DK 11 COL 20
..............................................................
VAR 0802 %OTHER M/L CASH-4-G MD=0 OR GE 9999
REF 0802 LOC 724 WIDTH 4 DK 11 COL 21-24
..............................................................
VAR 0803 CARD STORE M/L CRED-4-G MD=0 OR GE 9
REF 0803 LOC 728 WIDTH 1 DK 11 COL 25
..............................................................
VAR 0804 %STORE M/L CRED-4-G MD=0 OR GE 9999
REF 0804 LOC 729 WIDTH 4 DK 11 COL 26-29
42
VAR 0805 PERCK M/L CASH-4-G MD=0 OR GE 9
REF 0805 LOC 733 WIDTH 1 DK 11 COL 30
..............................................................
VAR 0806 CARD STORE M/L PERCK-4-G MD=0 OR GE 9
REF 0806 LOC 734 WIDTH 1 DK 11 COL 31
..............................................................
VAR 0807 $AVE CASH TRANS MD=0 OR GE 9999
REF 0807 LOC 735 WIDTH 4 DK 11 COL 32-35
..............................................................
VAR 0808 %COST CASH TRANS-G MD=0 OR GE 9999
REF 0808 LOC 739 WIDTH 4 DK ll COL 36-39
..............................................................
VAR 0809 $COST CASH TRANS-GIMP CA MD=0 OR GE 9999
REF 0809 LOC 743 WIDTH 4 DK 11 COL 40-43
..............................................................
VAR 0810 IMP CASH COST-G MD=0 OR GE 99
REF 0810 LOC 747 WIDTH 2 DK 11 COL 44-45
1
Page 38 ICPSR 8171
..............................................................
VAR o811 $AVE STORE CARD TRANS-G MD=0 OR GE 9999
REF 0811 LOC 749 WIDTH 4 DK 11 COL 46-49
..............................................................
VAR 0812 %COST STORE TRANS-G MD=0 OR GE 9999
REF 0812 LOC 753 WIDTH 4 DK 11 COL 50-53
43
VAR 0813 $COST STORE TRANS-G MD=0 OR GE 9999
REF 0813 LOC 757 WIDTH 4 DK 11 COL 54-57
..............................................................
VAR 08l4 IMP STORE CARD COST-G MD=0 OR GE 99
REF 0814 LOC 761 WIDTH 2 DK 11 COL 58-59
..............................................................
VAR 0815 $AVE OTHER CARD TRANS-G MD=0 OR GE 9999
REF 0815 LOC 763 WIDTH 4 DK 11 COL 60-63
..............................................................
VAR 0816 %COST OTHER CARD-G MD=0 OR GE 9999
REF 0816 LOC 767 WIDTH 4 DK 11 COL 64-67
..............................................................
VAR 0817 $COST OTHER CARD-G MD=0 OR GE 9999
REF o8l7 LOC 771 WIDTH 4 DK 11 COL 68-71
..............................................................
VAR 0818 IMP OTHER CARD COST-G MD=0 OR GE 99
REF 08l8 LOC 775 WIDTH 2 DK 11 COL 72-73
..............................................................
VAR 0819 WHY NOT CASH-G(l) MD=0 OR GE 99
REF 0819 LOC 777 WIDTH 2 DK 11 COL 74-75
..............................................................
VAR 0820 WHY NOT CASH-G(2) MD=0 OR GE 99
REF o820 LOC 779 WIDTH 2 DK 11 COL 76-77
44
VAR 0821 EVER ACCEPT CASH-G MD=0 OR GE 9
REF 0821 LOC 781 WIDTH 1 DK 11 COL 78
..............................................................
1
ICPSR 8171 Page 39
VAR 0822 CASH STOP YRS-G MD=0 OR GE 99
REF 0822 LOC 782 WIDTH 2 DK 11 COL 79-80
DECK IDENTIFICATION NUMBER IS '12' DK 12 COL 1- 2
----------------------------------
..............................................................
VAR 0001 CASE 10 MD=0 OR GE 999999
REF 0001 LOC 1 WIDTH 6 DK 12 COL 3- 8
..............................................................
VAR 0823 COMP ACCEPT CASH-G MD=0 OR GE 9
REF 0823 LOC 784 WIDTH 1 DK 12 COL 9
..............................................................
VAR 0824 OFFER CASH DISC-G MD=0 OR GE 9
REF 0824 LOC 785 WIDTH 1 DK 12 COL 10
..............................................................
VAR 0825 %CASH DISC MD=0 OR GE 9999
REF 0825 LOC 786 WIDTH 4 DK 12 COL 11-14
..............................................................
VAR 0826 SIZE CASH DISC-G(1) MD=0 OR GE 99
REF 0826 LOC 790 WIDTH 2 DK 12 COL 15-16
..............................................................
VAR 0827 SIZE CASH DISC-G(2) MD=0 OR GE 99
REF 0827 LOC 792 WIDTH 2 DK 12 COL 17-18
45
VAR 0828 PERCK DISC-G MD=0 OR GE 9
REF 0828 LOC 794 WIDTH 1 DK 12 COL 19
..............................................................
VAR 0829 DISC LIMITS-G MD=0 OR GE 9
REF 0829 LOC 795 WIDTH 1 DK 12 COL 20
..............................................................
VAR 0830 WHAT DISC LIMITS-G(1) MD=0 OR GE 99
REF 0830 LOC 796 WIDTH 2 DK 12 COL 21-22
1
Page 40 ICPSR 8171
..............................................................
VAR 0831 WHAT DISC LIMITS-G(2) MD=0 OR GE 99
REF 0831 LOC 798 WIDTH 2 DK 12 COL 23-24
..............................................................
VAR 0832 DISC POLICY PERM-G MD=0 OR GE 9
REF 0832 LOC 800 WIDTH 1 DK 12 COL 25
..............................................................
VAR 0833 ASK FOR DISC-G MD=0 OR GE 9
REF 0833 LOC 801 WIDTH 1 DK 12 COL 26
..............................................................
VAR 0834 %CUSTOMERS GET DISC-G MD=0 OR GE 9999
REF 0834 LOC 802 WIDTH 4 DK 12 COL 27-30
..............................................................
VAR 0835 DISC COSTS M/S/L-G MD=0 OR GE 9
REF 0835 LOC 806 WIDTH 1 DK 12 COL 31
46
VAR 0836 %DISC COSTS H/L-G MD=0 OR GE 9999
REF 0836 LOC 807 WIDTH 4 DK 12 COL 32-35
..............................................................
VAR 0837 DISC SALES H/S/L-G MD=0 OR GE 9
REF 0837 LOC 811 WIDTH 1 DK 12 COL 36
......................... ....................................
VAR 0838 %SALES H/S/L-G MD=0 OR GE 9999
REF 0838 LOC 812 WIDTH 4 DK 12 COL 37-40
..............................................................
VAR 0839 LO PRICE CASH-G MD=0 OR GE 9
REF 0839 LOC 816 WIDTH 1 DK 12 COL 41
..............................................................
VAR o840 WHY STOP DISC-G(l) MD=0 OR GE 99
REF o840 LOC 817 WIDTH 2 DK 12 COL 42-43
..............................................................
VAR 0841 WHY STOP DISC-G(2) MD=0 OR GE 99
REF 0841 LOC 819 WIDTH 2 DK 12 COL 44-45
..............................................................
VAR 0842 CONSID CASH DISC-G MD=0 OR GE 9
REF 0842 LOC 821 WIDTH 1 DK 12 COL 46
..............................................................
VAR 0843 WHY NOT CASH DISC-G(1) MD=0 OR GE 99
1
ICPSR 8171 Page 41
REF 0843 LOC 822 WIDTH 2 DK 12 COL 47-48
47
VAR 0844 WHY NOT CASH DISC-G(2) MD=0 OR GE 99
REF 0844 LOC 824 WIDTH 2 DK 12 COL 49-50
..............................................................
VAR 0845 %PROBABLE DISC-G MD=0 OR GE 9999
REF 0845 LOC 826 WIDTH 4 DK 12 COL 51-54
..............................................................
VAR 0846 DECIDE NO DISC-G(l) MD=0 OR GE 99
REF 0846 LOC 830 WIDTH 2 DK 12 COL 55-56
..............................................................
VAR 0847 DECIDE NO DISC-G(2) MD=0 OR GE 99
REF 0847 LOC 832 WIDTH 2 DK 12 COL 57-58
..............................................................
VAR 0848 - INQUIRE CASH DISC-G MD=0 OR GE 9
REF 0848 LOC 834 WIDTH 1 DK 12 COL 59
..............................................................
VAR 0901 COMP ACCEPT CK MD=0 OR GE 9
REF 0901 LOC 835 WIDTH 1 DK 12 COL 60
..............................................................
VAR 0902 COMP ACCEPT CARDS MD=0 OR GE 9
REF 0902 LOC 836 WIDTH 1 DK 12 COL 61
..............................................................
VAR 0903 COMP CASH DISC MD=0 OR GE 9
REF 0903 LOC 837 WIDTH 1 DK 12 COL 62
48
VAR 0904 %CASH DISC MD=0 OR GE 9999
REF 0904 LOC 838 WIDTH 4 DK 12 COL 63-66
..............................................................
VAR 0905 CASH DISC G/B IDEA MD=0 OR GE 9
REF 0905 LOC 842 WIDTH 1 DK 12 COL 67
1
Page 42 ICPSR 8171
..............................................................
VAR 0906 WHY DISC G/B(l) MD=0 OR GE 99
REF 0906 LOC 843 WIDTH 2 DK 12 COL 68-69
..............................................................
VAR 0907 WHY DISC G/B(2) MD=0 OR GE 99
REF 0907 LOC 845 WIDTH 2 DK 12 COL 70-71
..............................................................
VAR 0908 SURCHARGE G/B IDEA MD=0 OR GE 9
REF 0908 LOC 847 WIDTH 1 DK 12 COL 72
..............................................................
VAR 0909 WHY SURCHARGE G/B(l) MD=0 OR GE 99
REF 0909 LOC 848 WIDTH 2 DK 12 COL 73-74
..............................................................
VAR 0910 WHY SURCHARGE G/B(2) MD=0 OR GE 99
REF 0910 LOC 850 WIDTH 2 DK 12 COL 75-76
..............................................................
VAR 0911 PREF DISC/SURCHARGE MD=0 OR GE 9
REF 0911 LOC 852 WIDTH 1 DK 12 COL 77
49
VAR 0912 WHY DISC/SURCHARGE(l) MD=0 OR GE 99
REF 0912 LOC 853 WIDTH 2 DK 12 COL 78-79
DECK IDENTIFICATION NUMBER IS '13' DK 13 COL 1- 2
----------------------------------
..............................................................
VAR 0001 CASE ID MD=0 OR GE 999999
REF 0001 LOC 1 WIDTH 6 DK 13 COL 3- 8
..............................................................
VAR 0913 WHY DISC/SURCHARGE(2) MD=0 OR GE 99
REF 0913 LOC 855 WIDTH 2 DK 13 COL 9-10
..............................................................
VAR 0914 CKPT-CASH ONLY MD=0 OR GE 9
REF 0914 LOC 857 WIDTH 1 DK 13 COL 11
1
ICPSR 8171 Page 43
..............................................................
VAR 0915 MONITOR COST DIFF MD=0 OR GE 9
REF 0915 LOC 858 WIDTH 1 DK 13 COL 12
..............................................................
VAR 0916 MONITOR P-OF-S MD=0 OR GE 9
REF 0916 LOC 859 WIDTH 1 DK 13 COL 13
..............................................................
VAR 0917 MONITOR L & S MD=0 OR GE 9
REF 0917 LOC 860 WIDTH 1 DK 13 COL 14
..............................................................
VAR 0918 MONITOR DEP & FIN MD=0 OR GE 9
REF 0918 LOC 861 WIDTH 1 DK 13 COL 15
50
VAR 0919 R COMPREHENSION MD=0 OR GE 9
REF 0919 LOC 862 WIDTH 1 DK 13 COL 16
..............................................................
VAR 0920 R EXPRESS SELF MD=0 OR GE 9
REF 0920 LOC 863 WIDTH 1 DK 13 COL 17
..............................................................
VAR 0921 R SUSPICION-PRE MD=0 OR GE 9
REF 0921 LOC 864 WIDTH 1 DK 13 COL 18
..............................................................
VAR 0922 R SUSPICION-POST MD=0 OR GE 9
REF 0922 LOC 865 WIDTH 1 DK 13 COL 19
..............................................................
VAR 0923 R INTEREST MD=0 OR GE 9
REF 0923 LOC 866 WIDTH 1 DK 13 COL 20
..............................................................
VAR 0924 R REF DOCS MD=0 OR GE 9
REF 0924 LOC 867 WIDTH 1 DK 13 COL 21
1
Page 44 ICPSR 8171
..............................................................
VAR 1108 YEAR STARTED MD=0
REF 1108 LOC 868 WIDTH 3 DK 13 COL 22-24
..............................................................
VAR 1109 D & B CREDIT RATING MD=0
REF 1109 LOC 871 WIDTH 7 DK 13 COL 25-31
51
VAR 1110 ANNUAL SALES MD=0
REF 1110 LOC 878 WIDTH 5 DK 13 COL 32-36
..............................................................
VAR 1111 NET WORTH MD=0
REF 1111 LOC 883 WIDTH 5 DK 13 COL 37-41
..............................................................
VAR 1112 EMPLOYEES HERE MD=0
REF 1112 LOC 888 WIDTH 5 DK 13 COL 42-46
..............................................................
VAR 1113 TOTAL EMPLOYEES MD=0
REF 1113 LOC 893 WIDTH 5 DK 13 COL 47-51
..............................................................
VAR 1114 PRIMARY SIC MD=0
REF 1114 LOC 898 WIDTH 4 DK 13 COL 52-55
..............................................................
VAR 1115 SECONDARY SIC:1 MD=0
REF 1115 LOC 902 WIDTH 4 DK 13 COL 56-59
..............................................................
VAR 1116 SECONDARY SIC:2 MD=0
REF 1116 LOC 906 WIDTH 4 DK 13 COL 60-63
..............................................................
VAR 1117 SECONDARY SIC:3 MD=0
REF 1117 LOC 910 WIDTH 4 DK 13 COL 64-67
52
VAR 1118 SECONDARY SIC:4 MD=0
REF 1118 LOC 914 WIDTH 4 DK 13 COL 68-71
1
ICPSR 8171 Page 45
..............................................................
VAR 1119 SECONDARY SIC:5 MD=0
REF 1119 LOC 918 WIDTH 4 DK 13 COL 72-75
..............................................................
VAR 1124 STATUS INDICATOR MD=0
REF 1124 LOC 922 WIDTH 1 DK 13 COL 76
...............................................................
VAR 1 25 SUBSIDIARY INDICATOR MD=0
REF 1125 LOC 923 WIDTH 1 DK 13 COL 77
..............................................................
VAR 1126 MANUFACTURING INDICATOR MD=0
REF 1126 LOC 924 WIDTH 1 DK 13 COL 78
DECK IDENTIFICATION NUMBER IS '14' DK 14 COL 1- 2
----------------------------------
..............................................................
VAR 0001 CASE ID MD=0 OR GE 999999
REF 0001 LOC 1 WIDTH 6 DK 14 COL 3- 8
..............................................................
VAR 1127 PERCENT SALES GROWTH MD=0
REF 1127 LOC 925 WIDTH 3 DK 14 COL 9-11
..............................................................
VAR 1128 PERCENT EMPLOYMENT GROWT MD=0
REF 1128 LOC 928 WIDTH 3 DK 14 COL 12-14
53
VAR 1130 BASE YEAR SALES MD=0
REF 1130 LOC 931 WIDTH 5 DK 14 COL 15-19
..............................................................
VAR 1131 BASE YEAR EMPLOYMENT MD=0
REF 1131 LOC 936 WIDTH 5 DK 14 COL 20-24
..............................................................
VAR 1132 TREND YEAR SALES MD=0
REF 1132 LOC 941 WIDTH 5 DK 14 COL 25-29
1
Page 46 ICPSR 8171
..............................................................
VAR 1133 TREND YEAR EMPLOYMENT MD=0
REF 1133 LOC 946 WIDTH 5 DK 14 COL 30-34
..............................................................
VAR 1135 TRANSACTION CODE MD=0
REF 1135 LOC 951 WIDTH 1 DK 14 COL 35
..............................................................
VAR 5000 STRATA ID NO MISSING DATA CODES
REF 5000 LOC 952 WIDTH 1 DK 14 COL 36
...............................................................
VAR 9999 STRATA WT NO MISSING DATA CODES
REF 9999 LOC 953 WIDTH 2 DK 14 COL 37-38
TERMINATION OF CODEBOOK LIST.
1
ICPSR 8171 Page 47
TABLE 1.1
SURVEY COVERAGE OF RETAIL FIRMS
SIC Survey Coverage
Code Included Excluded
52 BUILDING MATERIALS & GARDEN SUPPLIES
521 Lumber and Other Building Materials x
523 Paint, Glass, and Wallpaper Stores x
525 Hardware Stores x
526 Retail Nurseries and Garden Stores x
527 Mobile Home Dealers x
53 GENERAL MERCHANDISE STORES
531 Department Stores x
533 Variety Stores x
539 Misc. General Merchandise Stores x
54 FOOD STORES
541 Grocery Stores x
542 Meat Markets and Freezer Provisioners x
543 Fruit Stores and Vegetable Markets x
544 Candy, Nut, and Confectionery Stores x
545 Dairy Product Stores x
546 Retail Bakeries x
549 Miscellaneous Food Stores x
55 AUTOMOTIVE DEALERS & SERVICE STATIONS
551 New and Used Car Dealers x
552 Used Car Dealers x
553 Auto and Home Supply Stores x
554 Gasoline Service Stations x
555 Boat Dealers x
556 Recreation & Utility Trailer Dealers x
557 Motorcycle Dealers x
559 Automotive Dealers, nec x
1
Page 48 ICPSR 8171
TABLE 1.1 (continued)
SIC
Code Survey Coverage
56 APPAREL AND ACCESSORY STORES Included Excluded
561 Men's & Boys' Clothing & Furnishings x
562 Women's Ready-to-Wear Stores x
563 Women's Accessory and Specialty Stores x
564 Children's and Infants' Wear Stores x
565 Family Clothing Stores x
56 APPAREL AND ACCESSORY STORES (continued)
566 Shoe Stores x
568 Furriers and Fur Shops x
569 Miscellaneous Apparel & Accessories x
57 FURNITURE AND HOME FURNISHINGS STORES
571 Furniture and Home Furnishings Stores x
572 Household Appliance Stores x
573 Radio, Television, and Music Stores x
58 EATING AND DRINKING PLACES
581 Eating and drinking places x
59 MISCELLANEOUS RETAIL
591 Drug Stores and Proprietary Stores x
592 Liquor Stores x
593 Used Merchandise Stores x
594 Miscellaneous Shopping Goods Stores x
5961 Mail Order Houses x
5962 Merchandising Machine Operators x
5963 Direct Selling Organizations x
5982 Ice Dealers x
5983 Fuel Oil Dealers x
5984 Liquified Petroleum Dealers x
5992 Florists x
5993 Cigar Stores x
5994 Newsstands x
5999 Miscellaneous x
1
ICPSR 8171 Page 49
TABLE 1.2
TOTAL ANNUAL SALES AND TOTAL ESTABLISHMENTS BY SALES CATEGORY
FOR ALL RETAIL WITH PAYROLL, STUDY RETAIL WITH PAYROLL AND
ALL STUDY RETAIL ESTABLISHMENTS[1]
Study Retail
Annual Sales Retail w/Payroll Study Retall w/Payroll All Establishments
(in $1000's) Amount Cumulative Amount Cumulative Amount Cumulative
Percent Percent Percent
Total Sales
(in millions of dollars)
< 10 742 .1 20 355 .1
10-20 1,562 .3 117 - 698 .3
20-30 2,145 .7 344 .3 935 .6
30-50 5,607 1.5 1,299 .7 2,378 1.4
50-100 17,722 4.1 5,682 2.5 7,718 3.8
100-300 80,917 15.9 42,209 16.1 45,018 18.0
300-500 65,854 25.5 39,526 28.9 40,187 30.6
500-1000 87,618 38.4 53,829 46.3 53,829 47.5
1000-2000 77,868 49.8 40,971 59.5 40,972 60.4
2000-5000 126,552 68.3 41,088 72.8 41,088 73.3
5000+ 216,752 100.0 84,770 100.0 84,769 100.0
Total 683.339 100.0 309,855 100.0 317,947 100.0
Total Establishments
< 10 5,708 .5 2.999 5 64,714 8.1
10-20 17,585 2.1 7,656 1.8 49,393 14.3
20-30 30,816 4.8 13,890 4.2 38,280 19.2
30-50 75,626 11.6 32,700 9.7 60,782 26.8
50-100 175,406 27.3 77,562 22.8 106,710 40.2
100-300 400,119 63.0 223,331 60.6 241,470 70.6
300-500 167,407 78.0 102,740 78.0 104,494 83.7
500-1000 127,404 89.4 78,427 91.3 78.427 93.5
1000-2000 56,443 94.4 30,179 96.4 30,179 97.3
2000-5000 40,350 98.1 13,990 98.8 13,990 99.1
5000+ 21,741 100.0 7,129 100.0 7,129 100.0
Total 1,118,605 100.0 590,603 100.0 795,568 100.0
1 Statistics from the 1977 Census of Retail Trade, U.S. Department of Commerce.
1
Page 50 ICPSR 8171
TABLE 1.3
SAMPLE SIZE AND RESPONSE RATES
Total Sample Completed Interviews Refusals Non-Interviews
Stratum Number Rate Number Rate Number Rate Number Rate
1 76 100% 63 83% 5 7% 8 10%
2 245 100% 203 83% 17 7% 25 10%
3 367 100% 302 82% 28 8% 37 10%
4 118 100% 97 82% 7 6% 14 12%
5 68 100% 48 71% 9 13% 11 16%
Total 874 100% 713 82% 66 7% 95 11%
1
ICPSR 8171 Page 51
TABLE 1.4
TYPES OF RETAIL ESTABLISHMENTS INCLUDED IN THE SURVEY
Annual Sales Volume Average Transaction
(thousands) Size
Less More Less More
than $500- than than than
All $500 $5,000 $5,000 $20 $20-50 $50
Building materials & garden
supplies [5211,5231,5251,5261] 16% 9% 23% 11% 20% 13% 16%
General merchandise stores
[5311,5331,5399] 10 7 4 26 14 15 2
Auto & home supply stores
[5531] 5 6 5 3 4 4 5
Gasoline service stations
[5541] 14 12 14 15 23 17 3
Apparel & accessory stores
5611,5621,5631,5641,5651,
5661,5699] 11 15 9 12 2 21 13
Furniture & home furnishings
stores [5712,5713,5714,
5719,5722,5732,5733] 19 21 21 10 5 6 38
Drug stores & proprietary
stores [5912] 7 8 7 6 17 3 *
Miscellaneous shopping goods
stores [5941,5942,5943,5944,
5945,5946,5947,5949] 12 17 11 8 11 14 12
Mail order houses [5961] 1 1 * 3 1 1 1
Fuel oil dealers [5983] 3 1 3 5 2 1 7
Liquified petroleum gas
dealers [5984] 1 1 1 1 * 2 1
Florists [5992] 1 2 2 * 1 3 2
Total 100% 100% 100% 100% 100% 100% 100%
Cases 713 266 302 145 240 195 205
1
Page 52 ICPSR 8171
TABLE 1.5
CORRELATION OF ANNUAL SALES VOLUME AND AVERAGE TRANSACTION SIZE
Annual Sales Volume (thousands)
Less More
than $500- than
Average Transaction Size $50 $5,000 $5,000 Total Cases
Less than $20 11% 14% 7% 32% 240
$20-50 9 10 8 27 195
More than $50 9 17 5 31 205
Don't know 3 5 2 10 73
Total 32 46 22 100%
Cases 266 302 145 713
1
ICPSR 8171 Page 53
TABLE 1.6
APPROXIMATE STANDARD ERRORS OF A SIMPLE RANDOM SAMPLE*
(In percentages by size of total sample and sales volume strata)
Sales Volume Strata Number of Reported Percentages
thousands) Interviews 50 30 or 70 20 or 80 10 or 90 5 or 95
All 713 3.8 3.4 3.0 2.2 1.6
$500-5,000 302 5.8 5.2 4.6 3.4 2.6
Less than $500 266 6.2 5.6 5.0 3.6 2.6
More than $5,000 145 8.4 7.6 6.6 5.0 3.6
The figures in this table represent two standard errors. For a simple random
sample the chances are 95 out of 100 that the value being estimated lies within
a range equal to the reported percentage, plus or minus two standard errors.
APPROXIMATE SAMPLING DESIGN EFFECT OF STRATIFIED RANDOM
SAMPLE WITH WEIGHTS*
Sales Volume Strata Approximate Sampling
(thousands) Design Effect
All 1.03
Less than $500 1.12
$500-5,000 1.00
More than $5,000 1.00
The figures in this table represent constant factors which should be multiplied
by the standard error estimates in the table above for the corresponding strata
to yield an improved approximation of the standard errors for a stratified random
sample with weights.
APPROXIMATE STANDARD ERRORS OF SURVEY FINDINGS*
(In percentages by size of total sample and sales volume strata)
Sales Volume Strata Number of Reported Percentages
[thousands) Interviews 50 30 or 70 20 or 80 10 or 90 5 or 95
All 713 3.9 3.5 3.1 2.3 1.6
$500-5,000 302 6.5 5.8 5.2 3.8 2.9
Less than $500 266 6.2 5.6 5.0 3.6 2.6
More than $5,000 145 8.4 7.6 6.6 5.0 3.6
The figures in this table represent two standard errors multipled by a design
effect factor. Hence for the stratified random sample used in this study, the
chances are 95 out of 100 that the value being estimated lies within a range
equal to the reported percentage, plus or minus two standard errors.
1
Page 54 ICPSR 8171
TABLE 2.1
TYPES OF PAYMENT METHODS ACCEPTED
Annual Sales Volume Average Transaction
(thousands) Size
Less More Less More
than $500- than than than
Cash All $500 $5,000 $5,000 $20 $20-50 $50
Accept 100% 99% 100% 100% 100% 100% 100%
1-33% sales 51 43 57 50 37 49 66
34-66% sales 32 37 32 25 35 37 27
67-100% sales 15 17 11 22 28 14 7
DK % sales 2 2 * 3 * * *
(Median % Sales) (30) (40) (30) (31) (43) (33) (25)
Do not accept * 1 * * * * *
Total 100% 100% 100% 100% 100% 100% 100%
Cases 713 266 302 145 240 195 205
Personal Checks
Accept 96% 98% 97% 93% 94% 97% 99%
1-33% sales 53 52 53 57 66 60 39
34-66% sales 30 32 32 22 24 30 37
67-100% sales 11 12 11 11 3 6 23
DK % sales 2 2 1 3 1 1 *
(Median % Sales) (30) (30) (30) (25) (20) (25) (40)
Do not accept 4 2 3 7 6 3 1
Total 100% 100% 100% 100% 100% 100% 100%
Cases 713 266 302 145 240 195 205
Third Party Credit Card
Accept 82% 78% 81% 87% 80% 87% 81%
1-33% sales 71 70 68 79 77 72 68
34-66% sales 9 6 12 6 3 14 11
67-100% sales 1 1 1 1 * 1 2
DK % sales 1 1 * 1 * * *
(Median % sales) (10) (10) (10) (10) (6) (15) (15)
Do not accept 18 22 19 13 20 13 19
Total 100% 100% 100% 100% 100% 100% 100%
Cases 713 266 302 145 240 195 205
Store Credit Cards
Accept 11% 8% 7% 26% 12% 19% 6%
1-33% sales 5 6 3 10 9 6 3
34-66% sales 5 2 3 14 3 11 3
7-100% sales 1 * 1 1 * 2 *
DK % sales * * * 1 * * *
(Median % Sales) (34) (25) (40) (42) (20) (46) (35)
Do not accept 89 91 93 74 88 81 94
Total 100% 100% 100% 100% 100% 100% 100%
1
ICPSR 8171 Page 55
Cases 713 266 302 145 240 195 205
1
Page 56 P. 466228 Screen 01 ICPSR 8171
SURVEY OF RETAILERS, 1983
Screen 01
(Facesheet; A; B. Cash)
General Coding Instructions:
1. Percents: For this study all questions requiring an answer as
a percent are coded in 4 digits, to one decimal point.
Therefore "10%" = 0100 (010.0)
12-13% 0125 (012.5)
Note special code value 9996 for "nothing"
Note that because we have one decimal place in the code, ranges
can be coded .5 where appropriate and need not be rounded to
nearest whole odd number. However, fractional percentages may
need to be rounded; e.g. "1/4%" = 000.3
2. Ranges/Rounding rule: If a range is given in answer to an
of amount" or "number of" item, code the midpoint of the range.
If the midpoint is .5 (and you are not coding "percent"),
round to the nearest whole odd number.
Therefore: "3-4" = 3 (3.5 rounded to nearest odd number)
"5-7" = 6
"100-200" = 150
3. Over-the-field amounts: In all the dollar or percent fields
there is an upper limit of actual numbers that can be coded
(always 9995); this upper limit code should be used as the
code for any amount larger than the field and you should MAKE
A CARD giving the exact amount.
Therefore: If code says "0001-9995" and the answer is "10,500",
code 9995 and MAKE A CARD.
4. One or less: In all the dollar fields the "I" code should be
used to mean "l or less" unless there is a specific code for
"nothing" (always 9996).
1
ICPSR 8171 P. 466228 Screen 01 Page 57
Var #
2 Item 1. AREA CODE (3 digits)
If blank, see coversheet
for information.
3 Item 2. Coversheet ID (four digits from boxes on facesheet)
If blank,, see coversheet
for information.
4 Item 3. Interviewer's ID No. (four digits)
9999. NA
5 Item 4. Date - MONTH
Code MONTH (04-05)
99. NA
6 Item 4. Date - DAY
Code DAY (01-30)
99. NA
7 Item 5. Length of Interview
Code number of MINUTES (001-995)
999. NA
1
Page 58 P. 466228 Screen 01 ICPSR 8171
(Revised May 25
101 A1. We are interested in the various means that customers use to buy
merchandise from your business--such as cash, checks, or credit
cards.
a. First, I assume that you accept cash in payment. Is that
correct?
1. YES Use Same code for
0 in !--> 5. NO V103, 105, 107.
next !
variable!--> 9. NA
102 A2. Thinking about the total sales volume, what proportion is
transacted by each of the payment methods you accept? First,
what proportion of total sales is transacted using...
(ASK FOR EACH "YES" CHECKED IN Al.)
a. ACCEPT CASH IN PAYMENT
Code whole number in first 3 digits; code fraction in
last digit
Code actual percentage to one decimal place (0001-9995),
EXCEPT:
9998. DK Use same code for
9999. NA V104, 106, 108.
0000. Inap, 5 or 9 in previous variable
Please check to make sure % figures in A2 total 100
If categories are combined, split them equally.
For other problems, see supervisor]
103 A1b. Do you ordinarily accept personal checks in payment for
merchandise?
104 A2b. ACCEPT PERSONAL CHECKS
105 Alc. Do you issue your own store credit card or use a "private label"
credit card with the store name on it?
106 A2c. OWN STORE CREDIT CARD OR PRIVATE LABEL CREDIT CARD
107 Ald. Does your business accept any other credit cards for payment,
such as VISA, Mastercard, American Express, or similar credit
cards?
1
ICPSR 8171 P. 466228 Screen 01 Page 59
108 A2d. OTHER CREDIT CARDS
(Revised 5/25/83)
109 Ale. Are there any other methods of payment a customer can use to pay
for purchases from your business?
1. YES
0 in !---> 5. NO
110-115!
!---> 9. NA
110 Ale-1. OTHER METHOD, TYPE - First Mention
01. Store charge (no indication that card issued);
personal charge; 60/90 day no finance charge
02. Business/company checks; purchase order
03. In-house installment plan; budget plan (if predetermined
payment)
04. Layaway
05. Barter/trade for goods or services
06. Finance/loan/credit company
07. Bank
08. Insurance company, medicaid
09. Own credit system - NA type; budget plan (not or NA whether
predetermined payment)
10. Money order
11. Travelers' checks
MAKE CARD 97. Other
0 in !--> 99. NA
next !
variable!
!--> 00. Inap, 5 or 9 in 109; 0 or 9 in previous var;
no second/third other method
1
Page 60 P. 466228 Screen 01 ICPSR 8171
111 Ale-1. OTHER METHOD,-PERCENTAGE - First Mention
Code whole number in first 3 digits; code fraction in last digit
Code-actual percentage to one decimal place (0001-9995) EXCEPT-:
9998. DK Use same code for
9999. NA V113, 115.
0000. Inap, 5 or 9 in 109; 00 or 99 in previous var;
no second/third other mention
112 Ale-2. OTHER METHOD, TYPE - Second Mention
113 Ale-2. OTHER METHOD, PERCENTAGE - Second mention
114 Ale-3. OTHER METHOD, TYPE - Third mention
115 Ale-3. OTHER METHOD, PERCENTAGE - Third Mention
116 A3a. DOES BUSINESS ACCEPT CASH?
1. YES
!----> 5. NO
0 in !
117-144, 201-240, !
301-342, 401-456, !
501-541, 601-637, !
701-746, 801-818, !
824-848 !
117 A3b. DOES BUSINESS ACCEPT PERSONAL CHECKS?
0 in 120-121 !------------> 1. YES
0 in 118-119 !------------> 5. NO
0. Inap, 5 in 116
118 A3c. ANY CREDIT CARD ACCEPTED?
0 in 119, ! 1. YES
122-144, 301-342, !
401-456, 501-541, !----------> 5. NO
601-637, 701-746, !
801-848 ! 0. Inap, 5 in 116; 5 in 117
1
ICPSR 8171 P. 466228 Screen 01 Page 61
119 A3d. ACCEPTS BOTH STORE AND OTHER CREDIT CARDS?
0 in !----------> 1. YES CC: V105, 107
122-144, 201-240, !
301-342, 401-456, !
701-746, 801-823 !
0 in !----------> 5. NO
122-144, 201-240,!
301-342, 501-541,!
601-637, 701-746,! 0. Inap, 5 in 116; 5 in 117; 5 in 118
801-823 !
120 A3e. ANY CREDIT CARD ACCEPTED?
0 in 121, ! 1. YES
201-240, 301-342,!
401-456, 501-541, !------------> 5. NO
601-637, 701-746,!
801-848 ! 0. Inap, 5 in 116; 1 in 117
121 A3f. ACCEPTS BOTH STORE AND OTHER CREDIT CARDS?
0 in !----------> 1. YES CC: V105, 107
122-14 4, 201-24 0, !
301-342, 401-456, !
501-541, 601-637, !
819-823 !
0 in !----------> 5. NO
122-144, 201-240, !
401-456, 501-541, !
601-637, 701-746, !
801-823 ! 0. Inap, 5 in 116; 1 in 117; 5 in 120
122 B1. What are the main reasons your business does not generally
123 accept personal checks? Are there any-other reasons?
Use PAYMENT PREFERENCE MASTER CODE EXCEPT:
00. Inap, 5 in 116; 5 in 118; 1 or 5 in 119; 1 or 5 in 121
1
Page 62 P. 466228 Screen 01 ICPSR 8171
124 B2. Has your business ever accepted personal checks for payment?
1. YES
!------> 5. NO
0 in !
125 !------> 8. DK
!------> 9. NA
0. Inap, 5 in 116; 5 in 118; 1 or 5 in 119; 1 or 5 in 121
125 B2a. How many years ago did your business stop accepting personal
checks?
Code number of YEARS (01-95) Convert "Since (YR)"
answers to number of
98. DK years.
99. NA
00. Inap, 5 in 116; 5 in 118; 1 or 5 in 119; 1 or 5 in 121;
5, 8-9 in 124
126 B3. What are the main reasons your business does not accept credit
cards?
127 Are there any other reasons?
Use PAYMENT PREFERENCE MASTER CODE EXCEPT:
00. Inap, 5 in 116; 5 in 118; 1 or 5 in 119; 1 or 5 in 121;
no further mention
128 B4. Has your business ever accepted credit cards for payment?
1. YES
!-------> 5. NO
0 in !
129 !-------> 8. DK
!-------> 9. NA
0. Inap, 5 in 116; 5 in 118; 1 or 5 in 119; 1 or 5 in 121
129 B4a. How many years ago did your business stop accepting credit
cards?
Code number of YEARS (01-95) Convert "Since YR"
answers to number
98. DK of years.
99. NA
00. Inap, 5 in 116; 5 in 118; 1 or 5 in 119; 1 or 5 in 121;
5, 8-9 in 128
1
ICPSR 8171 P. 466228 Screen 01 Page 63
130 B6. Consider first just the category of point-of-sales and
accounting costs. This includes equipment and personnel costs
for writing sales slips making change, obtaining verification
and approval for checks and credit cards, reconciling daily
receipts, record keeping, and other point-of-sale costs you
may have. Considering just those costs, do you think payments
made by personal checks would cost your business more, less,
or generally about the same as cash payments for the typical
size transaction?
1. CHECKS COST MORE
3. SAME
5. CHECKS COST LESS
8. DK
9. NA
0. Inap, 5 in 116; 5 in 118; 1 or 5 in 119; 1 or 5 in 121
131 B7. Considering just point-of-sale and accounting costs, do you
think payments made by credit cards would cost your business
more or generally about the same as cash payments?
1. CARDS COST MORE
3. SAME
5. CARDS COST LESS
8. DK
9. NA
0. Inap, 5 in 116; 5 in 118; 1 or 5 in 119; 1 or 5 in 121
132 B8. Again considering just point-of-sale and accounting costs, would
payments made by credit cards cost your business more, less, or
generally about the same as personal checks?
1. CARDS COST MORE
3. SAME
5. CARDS COST LESS
8. DK
9. NA
0. Inap, 5 in 116; 5 in 118; 1 or 5 in 119; 1 or 5 in 121
1
Page 64 P. 466228 Screen 01 ICPSR 8171
133 B9. The next category of costs involves loss or theft of cash, bad
or returned checks, credit card fraud, bonding and insurance
fees, safekeeping and other security costs. Considering just
these costs, do you think payments make by personal checks
would cost your business more, less, or generally about the
same as cash payments for the typical size transaction?
1. CHECKS COST MORE
3. SAME
5. CHECKS COST LESS
8. DK
9. NA
0. Inap, 5 in 116; 5 in 118; 1 or 5 in 119; 1 or 5 in 121
134 B10. Again considering just the loss and security cost category,
would payments made by credit cards cost your business more,
less, or generally about the same as cash payments?
1. CARDS COST MORE
3. SAME
5. CARDS COST LESS
8. DK
9. NA
0. Inap, 5 in 116; 5 in 118; 1 or 5 in 119; 1 or 5 in 121
135 B11. Considering just loss and security costs, would payments made by
credit cards cost your business more, less, or generally about
the same as personal checks?
1. CARDS COST MORE
3. SAME
5. CARDS COST LESS
8. DK
9. NA
0. Inap, 5 in 116; 5 in 118; 1 or 5 in 119; 1 or 5 in 121
136 B12. Included in the third category are bank service charges for
deposit costs to take the deposits to banks, and costs
associated with the delayed receipt of funds. Considering all
deposit and financial costs, do you think payments made by
1
ICPSR 8171 P. 466228 Screen 01 Page 65
personal checks would cost your business more, less, or
generally about the same as cash payments?
1. CHECKS COST MORE
3. SAME
5. CHECKS COST LESS
8. DK
9. NA
0. Inap, 5 in 116; 5 in 118; 1 or 5 in 119; 1 or 5 in 121
137 B13. Considering all deposit and financial costs except credit card
fees, would payments made by credit cards cost your business
more, less, or generally about the same as cash payments?
1. CARDS COST MORE
3. SAME
5. CARDS COST LESS
8. DK
9. NA
0. Inap, 5 in 116; 5 in 118; 1 or 5 in 119; 1 or 5 in 121
138 B14. Considering all deposit and financial costs except credit card
fees, would payments made by credit cards cost more, less, or
generally about the same as personal checks?
1. CARDS COST MORE
3. SAME
5. CARDS COST LESS
8. DK
9. NA
0. Inap, 5 in 116; 5 in 118; 1 or 5 in 119; 1 or 5 in 121
139 B15. Now, consider all the different types of costs for accepting
different methods of payment. Overall, do you think payments
made by personal checks would cost your business more, less, or
generally about the same as cash payments for the typical size
transaction?
1. CHECKS COST MORE
3. SAME
5. CHECKS COST LESS
8. DK
1
Page 66 P. 466228 Screen 01 ICPSR 8171
9. NA
0. Inap, 5 in 116; 5 in 118; 1 or 5 in 119; 1 or 5 in 121
140 B16. Again considering all these costs, overall, would payments made
by credit cards cost your business more, less, or generally
about the same as cash payments?
1. CARDS COST MORE
3. SAME
5. CARDS COST LESS
8. DK
9. NA
0. Inap, 5 in 116; 5 in 118; 1 or 5 in 119; 1 or 5 in 121
141 B17. Again considering all these costs, overall, would purchases made
by credit cards cost your business more, less, or generally
about the same as personal checks?
1. CARDS COST MORE
3. SAME
5. CARDS COST LESS
8. DK
9. NA
0. Inap, 5 in 116; 5 in 118; 1 or 5 in 119; 1 or 5 in 121
142 B18. At your business, what is the average dollar amount of a typical
cash transaction?
Code number of DOLLARS (0001-9995)
9998. DON'T KNOW
9999. NA
0000. Inap, 5 in 116; 5 in 118; 1 or 5 in 119; 1 or 5 in 121
143 B19. Thinking of all costs to your business for accepting payment by
cash-what would you say is the average cost for this typical
size transaction? - PERCENT
Code PERCENT TO ONE DECIMAL (0001-9995)
1
ICPSR 8171 P. 466228 Screen 01 Page 67
9996. Nothing
9998. DON'T KNOW
9999. NA
0000. Inap, 5 in 116; 5 in 118; 1 or 5 in 119; 1 or 5 in 121;
DOLLARS given
144 B19. DOLLARS
Code number of DOLLARS (0001-9995)
9996. Nothing
9998. DON'T KNOW
9999. NA
0000. Inap, 5 in 116; 5 in 118; 1 or 5 in 119; 1 or 5 in 121;
PERCENT given
1
Page 68 P. 466228 Screen 02 ICPSR 8171
SURVEY OF RETAILERS, 1983
Screen 02
(C. Cash and Personal Checks)
Var #
201 C1. If a customer is making a purchase, and only the method of
payment has to be decided, would you prefer to take cash or a
personal check in payment?
1. CASH
2. PERSONAL CHECK
0 in !-----> 8. DK
202-203 !-----> 9. NA
0. Inap, 5 in 116; 1 or 5 in 119; 5 in 120; 1 or 5 in 121
202 C1a. What are the main reasons you would prefer to take (METHOD
203 CHECKED IN C1) instead of other methods of payment? Are there
any other reasons?
Use PAYMENT PREFERENCE MASTER CODE EXCEPT:
00. Inap, 5 in 116; 1 or 5 in 119; 5 in 120; 1 or 5 in 121;
8-9 in 201; no further mention
204 C2. If your annual unit sales increased by 25 percent, would you
prefer to have the additional sales by cash or personal check?
1. CASH
2. PERSONAL CHECK
0 in !-----> 8. DK
205-206 !-----> 9. NA
0. Inap, 5 in 116; 1 or 5 in 119; 5 in 120; 1 or 5 in 121
205 C2a. What are the main reasons you would prefer the increased sales
206 in (MENTION CHECKED IN C2)? Are there any other reasons?
Use PAYMENT PREFERENCE MASTER CODE EXCEPT:
00. Inap, 5 in 116; 1 or 5 in 119; 5 in 120; 1 or 5 in 121;
8-9 in 204; no further mention
1
ICPSR 8171 P. 466228 Screen 02 Page 69
207 C3. Aside from requirements of proper identification, are there any
limits to the policy of accepting personal checks-such as no
out-of-state checks or minimum purchase size?
1. YES
!-----> 5. NO
0 in !
208-209 !-----> 8. DK
!-----> 9. NA
0. Inap, 5 in 116; 1 or 5 in 119; 5 in 120; 1 or 5 in 121
208 C3a. What are those limits?
209 Use LIMITS Master Code EXCEPT:
00. Inap, 5 in 116; 1 or 5 in 119; 5 in 120; 1 or 5 in 121;
5, 8-9 in 207; no further mention
210 C4. What are the main reasons your business does not accept credit
211 cards? Are there any other reasons?
Use PAYMENT PREFERENCE MASTER CODE EXCEPT:
00. Inap, 5 in 116; 1 or 5 in 119; 5 in 120; 1 or 5 in 121;
no further mention
212 C5. Has your business ever accepted credit cards for payment?
1. YES
!------> 5. NO
0 in !
213 !-------> 8. DK
!-------> 9. NA
0. Inap, 5 in 116; 1 or 5 in 119; 5 in 120; 1 or 5 in 121
213 C5a. How many years ago did your business stop accepting credit
cards?
Code number of YEARS (01-95) Convert "Since (YR)"
answers to number of
98. DK years.
99. NA
00. Inap, 5 in 116; 1 or 5 in 119; 5 in 120; 1 or 5 in 121;
5, 8-9 in 212
214 C7. Consider first just the category of point-of-sale and accounting
costs. This includes equipment and personnel costs for writing
sales slips, making change, obtaining verification and approval
1
Page 70 P. 466228 Screen 02 ICPSR 8171
for checks and credit cards, reconciling daily receipts, record
keeping, and other point-of-sale costs you may have.
Considering just those costs, do payments made by personal check
cost your business more, less, or generally about the same as
cash payments for the typical size transaction?
1. CHECKS COST MORE
!-------> 3. SAME
0 in ! 5. CHECKS COST LESS
215 !
!-------> 8. DK
!-------> 9. NA
0. Inap, 5 in 116; 1 or 5 in 119; 5 in 120; 1 or 5 in 121
215 C7a. By about what percent are point-of-sale and accounting costs for
personal checks (higher/lower) than for cash payments?
Code PERCENT TO ONE DECIMAL (0001-9995)
9998. DON'T KNOW
9999. NA
0000. Inap, 5 in 116; 1 or 5 in 119; 5 in 120; 1 or 5 in 121;
3, 8-9 in 214
216 C8. Considering just point-of-sale and accounting costs, do you
think payments made by credit cards would cost your business
more, less, or generally about the same as cash payments?
1. CARDS COST MORE
3. SAME
5. CARDS COST LESS
8. DK
9. NA
0. Inap, 5 in 116; 1 or 5 in 119; 5 in 120; 1 or 5 in 121
217 C9. Again considering just point-of-sale and accounting costs, would
payments made by credit cards cost your business more, less, or
generally about the same as personal checks?
1. CARDS COST MORE
3. SAME
5. CARDS COST LESS
8. DK
9. NA
1
ICPSR 8171 P. 466228 Screen 02 Page 71
0. Inap, 5 in 116; 1 or 5 in 119; 5 in 120; 1 or 5 in 121
218 C10. The next category of costs involves loss or theft of cash, bad
or returned checks, credit card fraud, bonding and insurance
fees, safekeeping and other security costs.
Considering just these costs, do payments made by personal
checks cost your business more, less, or generally about the
same as cash payments for the typical size transaction?
1. CHECKS COST MORE
!------> 3. SAME
! 5. CHECKS COST LESS
0 in !
219 !-------> 8. DK
!-------> 9. NA
0. Inap, 5 in 116; 1 or 5 in 119; 5 in 120; 1 or 5 in 121
219 C10a. By about what percent are loss and security costs for personal
checks (higher/lower) than for cash payments?
Code PERCENT TO ONE DECIMAL (0001-9995)
9998. DON'T KNOW
9999. NA
0000. Inap, 5 in 116; 1 or 5 in 119; 5 in 120; 1 or 5 in 121;
3, 8-9 in 218
220 C11. Again considering just the loss and security cost category, do
you think payments made by credit cards would cost your
business more, less, or generally about the same as cash
payments?
1. CARDS COST MORE
3. SAME
5. CARDS COST LESS
8. DK
9. NA
0. Inap, 5 in 116; 1 or 5 in 119; 5 in 120; 1 or 5 in 121
221 C12. Considering just loss and security costs, would payments made by
credit cards cost your business more, less, or generally about
the same as personal checks?
1. CARDS COST MORE
3. SAME
5. CARDS COST LESS
1
Page 72 P. 466228 Screen 02 ICPSR 8171
8. DK
9. NA
0. Inap, 5 in 116; 1 or 5 in 119; 5 in 120; 1 or 5 in 121
222 C13 Does your business pay a fee for verification or guarantee of
personal checks?
1. YES
!----> 5. NO
0 in !
223-224 !-----> 8. DK
!-----> 9. NA
0. lnap, 5 in 116; 1 or 5 in 119; 5 in 120; 1 or 5 in 121
223 C13a. How much is the fee? - PERCENT
Code PERCENT TO ONE DECIMAL (0001-9995)
9998. DK
9999. NA
0000. Inap, 5 in 116; 1 or 5 in 119; 5 in 120; 1 or 5 in 121;
DOLLARS given
224 C13a. DOLLARS
Code number of DOLLARS (0001-9995)
9998. DON'T KNOW
9999. NA
0000. Inap, 5 in 116; 1 or 5 in 119; 5 in 120; 1 or 5 in 121;
PERCENT given
If given a "Per" mention for DOLLAR amounts (e.g. $95 per year) MAKE CARD
giving DOLLAR amount coded and "Per" mention.
225 C14. Included in the third category are bank service charges for
deposits, costs to take the deposits to banks, and costs
associated with the delayed receipt of funds.
Considering all deposit and financial costs (except check
verification fees), do payments made by personal checks cost
your business more, less, or generally about the same as cash
payments for the typical size transaction?
1. CHECKS COST MORE
!------> 3. SAME
1
ICPSR 8171 P. 466228 Screen 02 Page 73
0 in ! 5. CHECKS COST LESS
226 !
!-------> 8. DK
!-------> 9. NA
0. Inap, 5 in 116; 1 or 5 in 119; 5 in 120; 1 or 5 in 121
226 C14a. By about what percent are deposit and financial costs for
personal checks (higher/lower) than for cash payments?
Code PERCENT TO ONE DECIMAL (0001-9995)
9998. DON'T KNOW
9999. NA
0000. Inap, 5 in 116; 1 or 5 in 119; 5 in 120; 1 or 5 in 121;
3, 8-9 in 225
227 C15. Considering all deposit and financial costs except credit card
fees, do you think payments made by credit cards would cost
your business more, less, or generally about the same as cash
payments?
1. CARDS COST MORE
3. SAME
5. CARDS COST LESS
8. DK
9. NA
0. Inap, 5 in 116; 1 or 5 in 119; 5 in 120; 1 or 5 in 121
228 C16. Considering all deposit and financial costs except credit card
(and check verification) fees, would payments made by credit
cards cost your business more, less, or generally about the same
as personal checks?
1. CARDS COST MORE
3. SAME
5. CARDS COST LESS
8. DK
9. NA
0. Inap, 5 in 116; 1 or 5 in 119; 5 in 120; 1 or 5 in 121
1
Page 74 P. 466228 Screen 02 ICPSR 8171
229 C17. Now, consider all the different types of costs to your business
for accepting different methods of payment. Overall, do payments
made by personal checks cost your business more, less, or
generally about the same as cash payments for the typical size
transaction?
1. CHECKS COST MORE
!------> 3. SAME
! 5. CHECKS COST LESS
0 in !
230 !------> 8. DK
!------> 9. NA
0. Inap, 5 in 116; 1 or 5 in 119; 5 in 120; 1 or 5 in 121
230 C17a. By about what percent are all these costs for personal checks
(higher/lower) than for cash payments?
Code PERCENT TO ONE DECIMAL (0001-9995)
9998. DON'T KNOW
9999. NA
0000. Inap, 5 in 116; 1 or 5 in 119; 5 in 120; 1 or 5 in 121
231 C18. Again considering all these costs, overall do you think payments
made by credit cards would cost your business more, less, or
generally about the same as cash payments?
1. CARDS COST MORE
3. SAME
5. CARDS COST LESS
8. DK
9. NA
0. Inap, 5 in 116; 1 or 5 in 119; 5 in 120; 1 or 5 in 121
232 C19. Again considering all these costs, overall would purchases made
by credit cards cost your business more, less, or generally
about the same as personal checks?
1. CARDS COST MORE
3. SAME
5. CARDS COST LESS
8. DK
9. NA
1
ICPSR 8171 P. 466228 Screen 02 Page 75
0. Inap, 5 in 116; 1 or 5 in 119; 5 in 120; 1 or 5 in 121
233 C20. At your business, what is the average dollar amount of a typical
cash transaction?
Code nuber of DOLLARS (0001-9995)
9998. DON'T KNOW
9999. NA
0000. Inap, 5 in 116; 1 or 5 in 119; 5 in 120; 1 or 5 in 121
234 C21. Thinking-of all costs to your business from accepting payment by
cash--what would you say is the average cost for this typical
size transaction? - PERCENT
Code PERCENT TO ONE DECIMAL (0001-9995) EXCEPT:
9996. Nothing; no cost
9998. DON'T KNOW
9999. NA
0000. Inap, 5 in 116; 1 or 5 in 119; 5 in 120; 1 or 5 in 121;
DOLLARS given
235 C21. DOLLARS
Code number of DOLLARS (0001-9995) EXCEPT:
9996. Nothing; no cost
9998. DON'T KNOW
9999. NA
0000. Inap, 5 in 116; 1 or 5 in 119; 5 in 120; 1 or 5 in 121
236 C22. What is the most important cost to your business for accepting
cash payments?
Use COST PER METHOD MASTER CODE EXCEPT:
00. Inap, 5 in 116; 1 or 5 in 119; 5 in 120; 1 or 5 in 121
237 C23. What is the average dollar amount of a typical transaction paid
by personal check?
Code number of DOLLARS (0001-9995)
1
Page 76 P. 466228 Screen 02 ICPSR 8171
9998. DON'T KNOW'
9999. NA
0000. Inap, 5 in 116; 1 or 5 in 119; 5 in 120; 1 or 5 in 121
238 C24. Thinking of all costs to your business from accepting payment by
personal checks--what would you say is the average cost for this
typical size transaction? - PERCENT
Code PERCENT TO ONE DECIMAL (0001-9995) EXCEPT:
9996. Nothing; no cost
9998. DON'T KNOW
9999. NA
0000. Inap, 5 in 116; 1 or 5 in 119; 5 in 120; 1 or 5 in 121;
DOLLARS given
239 C24. DOLLARS
Code number of DOLLARS (0001-9995) EXCEPT:
9996. Nothing; no cost
9998. DON'T KNOW
9999. NA
0000. Inap, 5 in 116; 1 or 5 in 119; 5 in 120; 1 or 5 in 121;
PERCENT given
240 C25. What is the most important cost to your business for accepting
payments by personal check?
Use COST PER METHOD MASTER CODE EXCEPT:
00. Inap, 5 in 116; 1 or 5 in 119; 5 in 120; 1 or 5 in 121
1
ICPSR 8171 P. 466228 Screen 03 Page 77
May 1983
SURVEY OF RETAILERS, 1983
Screen 03
(D. Cash and Store or Other Credit Cards)
Var #
301 D1. INTERVIEWER CHECKPOINT:
1. ACCEPTS STORE CREDIT CARDS (YES AT Alc) CC: V105
0 in !-------> 2. ALL OTHERS
302 !
0. Inap, 5 in 116, 5 in 118; 1 or 5 in 119; 5 in 120; 1 in 121
302 D1a. Does your business issue its own credit card or is it a private
label card with the business name on it, but issued by another
firm which handles the billing and financing?
1. STORE ISSUES CARD
2. PRIVATE LABEL CARD
8. DK
9. NA
0. Inap, 5 in 116; 5 in 118; 1 or 5 in 119; 5 in 120; 1 in 121
303 D2. If a customer is making a purchase, and only the method of
payment has to be decided, would you prefer to take cash or a
(store) credit card in payment?
1. CASH
3. CREDIT CARD
0 in !-----> 8. DK
304-305 !-----> 9. NA
0. Inap, 5 in 116; 5 in 118; 1 or 5 in 119; 5 in 120; 1 in 121
304 D2a. What are the main reasons you would prefer to take (METHOD
305 CHECKED IN D2) instead of other methods of payment? Are there
any other reasons?
Use PAYMENT PREFERENCE MASTER CODE EXCEPT:
00. Inap, 5 in 116; 5 in 118; 1 or 5 in 119; 5 in 120; 1 in 121;
no further mention
1
Page 78 P. 466228 Screen 03 ICPSR 8171
306 D3. If your annual unit sales increased by 25 percent, would you
prefer to have the additional sales by cash or credit card?
1. CASH
3. CREDIT CARD
0 in !-----> 8. DK
307-308 !-----> 9. NA
0. Inap, 5 in 116; 5 in 118; 1 or 5 in 119; 5 in 120; 1 in 121
307 D3a. What are the main reasons you would prefer the increased sales
308 in (MENTION CHECKED IN D3)? Are there any other reasons?
Use PAYMENT PREFERENCE MASTER CODE EXCEPT:
00. Inap, 5 in 116; 5 in 118; 1 or 5 in 119; 5 in 120; 1 in 121
309 D4. Aside from requirements of verification and proper
indentification, are there any limits on the use of the (store)
credit cards you accept?
1. YES
!----> 5. NO
0 in !
310-311 !----> 8. DK
!----> 9. NA
0. Inap, 5 in 116; 5 in 118; 1 or 5 in 119; 5 in 120; 1 in 121
310 D4a. What are those limits?
311 Use LIMITS Master Code EXCEPT:
00. Inap, 5 in 116; 5 in 118; 1 or 5 in 119; 5 in 120; 1 in 121;
5, 8-9 in 309; no further mention
312 D5. What are the main reasons your business does not generally
313 accept personal checks? Are there any other reasons?
Use PAYMENT PREFERENCE MASTER CODE EXCEPT:
00. Inap, 5 in 116; 5 in 118; 1 or 5 in 119; 5 in 120; 1 in 121
314 D6. Has your business ever accepted personal checks for payment?
1. YES
!------> 5. NO
1
ICPSR 8171 P. 466228 Screen 03 Page 79
0 in !
315 ! -----> 8. DK
!------> 9. NA
0. Inap, 5 in 116; 5 in 118; 1 or 5 in 119; 5 in 120; 1 in 121
315 D6a. How many years ago did your business stop accepting personal
checks?
Code number of YEARS (01-95) Convert "Since (YR)"
answers to number of
98. DK years.
99. NA
00. Inap, 5 in 116; 5 in 118; 1 or 5 in 119; 5 in 120; 1 in
121; 5, 8-9 in 314
316 D8. Consider first just the category of point-of-sales and accouting
costs. This includes equipment and personnel costs for writing
sales slips, making change, obtaining verification and approval
for checks and credit cards, reconciling daily receipts, record
keeping, and other point-of-sale costs you may have.
Considering just these costs, do payments made by (store) credit
cards cost your business more, less, or generally about the same
as cash payments for the typical size transaction?
1. CARDS COST MORE
!-------> 3. SAME
! 5. CARDS COST LESS
0 in !
317 !-------> 8. DK
!-------> 9. NA
0. Inap, 5 in 116; 5 in 118; 1 or 5 in 119; 5 in 120; 1 in 121
317 D8a. By about what percent are point-of-sale and accounting costs
for credit cards (higher/lower) than for cash payments?
Code PERCENT TO ONE DECIMAL (0001-9995)
9998. DON'T KNOW
9999. NA
0000. Inap, 5 in 116; 5 in 118; 1 or 5 in 119; 5 in 120; 1 in
121; 3, 8-9 in 316
318 D9. Considering just point-of-sale and accounting costs, do you
think payments made by personal checks would cost your business
1
Page 80 P. 466228 Screen 03 ICPSR 8171
more, less or generally about the same as cash payments?
1. CHECKS COST MORE
3. SAME
5. CHECKS COST LESS
8. DK
9. NA
0. Inap, 5 in 116; 5 in 118; 1 or 5 in 119; 5 in 120; 1 in 121
319 D10. Again considering just point-of-sale and accounting costs, would
payments made by (store) credit cards cost your business more,
less, or generally about the same as personal checks?
1. CARDS COST MORE
3. SAME
5. CARDS COST LESS
8. DK
9. NA
0. Inap, 5 in 116; 5 in 118; 1 or 5 in 119; 5 in 120; 1 in 121
320 D11. The next category of costs involves loss or theft of cash, bad
or returned checks, credit card fraud, bonding and insurance
fees, safekeeping and other security costs.
Considering just these costs, do payments made by (store) credit
cards cost your business more, less, or generally about the
same as cash payments for the typical size transaction?
1. CARDS COST MORE
!------> 3. SAME
! 5. CARDS COST LESS
0 in !
321 !------> 8. DK
!------> 9. NA
0. Inap, 5 in 116; 5 in 118; 1 or 5 in 119; 5 in 120; 1 in 121
321 D11a. By about what percent are loss and security costs for credit
cards (higher/lower) than for cash payments?
Code PERCENT TO ONE DECIMAL (0001-9995)
9998. DON'T KNOW
9999. NA
0000. Inap, 5 in 116; 5 in 118; 1 or 5 in 119; 5 in 120; 1 in
121; 3, 8-9 in 320
1
ICPSR 8171 P. 466228 Screen 03 Page 81
322 D12. Again considering just the loss and security cost category, do
you think payments made by personal checks would cost your
business more, less, or generally about the same as cash
payments?
1. CHECKS COST MORE
3. SAME
5. CHECKS COST LESS
8. DK
9. NA
0. Inap, 5 in 116; 5 in 118; 1 or 5 in 119; 5 in 120; 1 in 121
323 D13. Considering just loss and security costs, would payments made by
(store) credit cards cost more, less, or generally about the
same as personal checks?
1. CARDS COST MORE
3. SAME
5. CARDS COST LESS
8. DK
9. NA
0. Inap, 5 in 116; 5 in 118; 1 or 5 in 119; 5 in 120, 1 in 121
324 D14. On most credit cards, the merchant pays a percentage of each
credit card sales slip to the card issuer or bank. What
percentage do you pay on average for the credit cards you
accept? - PERCENT
Code PERCENT TO ONE DECIMAL (0001-9995) EXCEPT:
9996. Nothing; no cost
9998. DON'T KNOW
9999. NA
0000. Inap, 5 in 116; 5 in 118; 1 or 5 in 119; 5 in 120;
1 in 121; DOLLARS given
325 D14. DOLLARS
Code number of DOLLARS (0001-9995) EXCEPT:
9996. Nothing; no cost
9998. DON'T KNOW
9999. NA
0000. Inap, 5 in 116; 5 in 118; 1 or 5 in 119; 5 in 120; 1
in 121; PERCENT given
1
Page 82 P. 466228 Screen 03 ICPSR 8171
326 D15. Considering the fees merchants pay on credit card sales, what is
the main reason it is worthwhile for your business to accept
credit cards?
Use PAYMENT PREFERENCE MASTER CODE EXCEPT:
00. Inap, 5 in 116; 5 in 118; 1 or 5 in 119; 5 in 120; 1 in 121
327 D16. Included in the third category are bank service charges for
deposits, costs to take the deposits to banks, and costs
associated with the delayed receipt of funds.
Considering all deposit and financial costs except credit card
fees, do payments made by (store) credit cards cost your
business more, less, or generally about the same as cash
payments for the typical size transaction?
1. CARDS COST MORE
!------> 3. SAME
! 5. CARDS COST LESS
0 in !
328 !------> 8. DK
!------> 9. NA
0 Inap, 5 in 116; 5 in 118; 1 or 5 in 119; 5 in 120; 1 in 121
328 B16a. By about what percentage are deposit and financial costs for
(store) credit cards (higher/lower) than for cash payments?
Code PERCENT TO ONE DECIMAL (0001-9995)
9998. DON'T KNOW
9999. NA
0000. Inap, 5 in 116; 5 in 118; 1 or 5 in 119; 5 in 120; 1 in
121; 3, 8-9 in 327
329 D17. Again, considering all deposit and financial costs, do you think
payments made by personal checks would cost your business more,
less, or generally about the same as cash payments?
1. CHECKS COST MORE
3. SAME
5. CHECKS COST LESS
8. DK
9. NA
0. Inap, 5 in 116; 5 in 118; 1 or 5 in 119; 5 in 120; 1 in 121
1
ICPSR 8171 P. 466228 Screen 03 Page 83
330 D18. Considering all deposit and financial costs except credit card
fees, would payments made by (store) credit cards cost more,
less, or generally about the same as personal checks?
1. CARDS COST MORE
3. SAME
5. CARDS COST LESS
8. DK
9. NA
0. Inap, 5 in 116; 5 in 118; 1 or 5 in 119; 5 in 120; 1 in 121
331 D19. Now, consider all the different types of costs to your business
for accepting different methods of payment. Overall, do payments
made by (store) credit cards cost your business more, less, or
generally about the same as cash payments for the typical size
transaction?
1. CARDS COST MORE
! -----> 3. SAME
! 5. CARDS COST LESS
0 in !
332 !-----> 8. DK
!------> 9. NA
0. Inap, 5 in 116; 5 in 118; 1 or 5 in 119; 5 in 120; 1 in 121
332 D19a. By about what percent are all these costs for (store) credit
cards (higher/lower) than for cash payments?
Code PERCENT TO ONE DECIMAL (0001-9995)
9998. DON'T KNOW
9999. NA
0000. Inap, 5 in 116; 5 in 118; 1 or 5 in 119; 5 in 120; 1 in
121; 3, 8-9 in 331
333 D20. Again considering all these costs, overall do you think payments
made by personal check would cost your business more, less, or
generally about the same as cash payments?
1. CHECKS COST MORE
3. SAME
5. CHECKS COST LESS
8. DK
9. NA
1
Page 84 P. 466228 Screen 03 ICPSR 8171
0. Inap, 5 in 116; 5 in 118; 1 or 5 in 119; 5 in 120; 1 in 121
334 D21. Again considering all these costs, overall would purchases made
by (store) credit cards cost your business more, less, or
generally about the same as personal checks?
1. CARDS COST MORE
3. SAME
5. CARDS COST LESS
8. DK
9. NA
0. Inap, 5 in 116; 5 in 118; 1 or 5 in 119; 5 in 120; 1 in 121
335 D22. At your business, what is the average dollar amount of a typical
cash transaction?
Code number of DOLLARS (0001-9995)
9998. DON'T KNOW
9999. NA
0000. Inap, 5 in 116; 5 in 118; 1 or 5 in 119; 5 in 120; 1 in
121
336 D23. Thinking of all costs to your business from accepting payment by
cash--what would you say is the average cost for this typical
size transaction?
Code PERCENT TO ONE DECIMAL (0001-9995)
9996. Nothing; no cost
9998. DON'T KNOW
9999. NA
0000. Inap, 5 in 116; 5 in 118; 1 or 5 in 119; 5 in 120; 1
in 121; DOLLARS given
337 D23. DOLLARS
Code number of DOLLARS (0001-9995)
9996. Nothing; no cost
9998. DON'T KNOW
9999. NA
0000. Inap, 5 in 116; 5 in 118; 1 or 5 in 119; 5 in 120; 1
1
ICPSR 8171 P. 466228 Screen 03 Page 85
in 121; PERCENT given
338 D24. What is the most important cost to your business of accepting
cash payments?
Use COST PER METHOD Master Code EXCEPT:
00. Inap, 5 in 116; 5 in 118; 1 or 5 in 119; 5 in 120; 1 in 121
339 D25. What is the average dollar amount of a typical (store) credit
card transaction?
Code number of DOLLARS (0001-9995)
9998. DON'T KNOW
9999. NA
0000. Inap, 5 in 116; 5 in 118; 1 or 5 in 119; 5 in 120;
1 in 121
340 D26. Thinking of all costs to your business from accepting payment by
credit cards-what would you say is the average cost for this
typical size transaction? - PERCENT
Code PERCENT TO ONE DECIMAL (0001-9995) EXCEPT:
9996. Nothing; no cost
9998. DON'T KNOW
9999. NA
0000. Inap, 5 in 116; 5 in 118; 1 or 5 in 119; 5 in 120; 1 in
121; DOLLARS given
341 D26. DOLLARS
Code number of DOLLARS (0001-9995) EXCEPT:
9996. Nothing; no cost
9998. DON'T KNOW
9999. NA
0000. Inap, 5 in 116; 5 in 118; 1 or 5 in 119; 5 in 120;
1 in 121; PERCENT given
342 D27. What is the most important cost to your business of accepting
(store) credit card payments?
1
Page 86 P. 466228 Screen 03 ICPSR 8171
Use COST PER METHOD Master Code EXCEPT:
00. Inap, 5 in 116; 5 in 118; 1 or 5 in 110; 5 in 120; 1 in 121
1
ICPSR 8171 P. 466228 Screen 04 Page 87
May 1983
SURVEY OF RETAILERS, 1983
Screen 04
(E. Cash, Checks and Store or Other Credit Cards)
Var #
401 E1. INTERVIEWER CHECKPOINT:
1. ACCEPTS STORE CREDIT CARDS (YES AT Alc) CC: V105
0 in !--------> 2. ALL OTHERS
402 !
0. Inap, 5 in 116; 5 in 118; 1 in 119; 5 in 120; 1 or 5 in 121
402 E1a. Does your business issue its own credit card or is it a private
label card with the business name on it, but issued by another
firm which handles the billing and financing?
1. STORE ISSUES CARD
2. PRIVATE LABEL CARD
8. DK
9. NA
0. Inap, 5 in 116; 5 in 118; 1 in 119; 5 in 120; 1 or 5 in 121;
2 in 401
403 E2. If a customer is making a purchase, and only the method of
payment has to be decided, would you prefer to take cash, a
personal check, or a (store) credit card in payment?
1. CASH
2. PERSONAL CHECK
3. CREDIT CARD
0 in !----> 8. DK
404-405 !----> 9. NA
0. Inap, 5 in 116; 5 in 118; 1 in 119; 5 in 120; 1 or 5 in 121
404 E2a. What are the main reasons you would prefer to take (METHOD
405 CHECKED IN E2) instead of other methods of payment? Are there
any other reasons?
Use PAYMENT PREFERENCE MASTER CODE EXCEPT:
1
Page 88 P. 466228 Screen 04 ICPSR 8171
00. Inap, 5 in 116; 5 in 118; 1 in 119; 5 in 120; 1 or 5 in 121;
8-9 in 403; no further mention
406 E3. If your annual unit sales increased by 25 percent, would you
prefer to have the additional sales by cash, personal check, or
credit card?
1. CASH
2. PERSONAL CHECK
3. CREDIT CARD
0 in !----> 8. DK
407-408 !----> 9. NA
0. Inap, 5 in 116; 5 in 118; 1 in 119; 5 in 120; 1 or 5 in 121
407 E3a. What are the main reasons you would prefer the increased sales
408 in (MENTION CHECKED IN E3)? Are there any other reasons?
Use PAYMENT PREFERENCE MASTER CODE EXCEPT:
00. Inap, 5 in 116; 5 in 118; 1 in 119; 5 in 120; 1 or 5 in 121;
8-9 in 406; no further mention
409 E4. Aside from requirements of proper identification, are there any
limits to the policy of accepting personal checks?
1. YES
! ---> 5. NO
0 in !
410-411 !---> 8. DK
!---> 9. NA
0. Inap, 5 in 116; 5 in 118; 1 in 119; 5 in 120; 1 or 5 in 121
410 E4a. What are those limits?
411 Use LIMITS Master Code EXCEPT:
00. Inap, 5 in 116; 5 in 118; 1 in 119; 5 in 120; 1 or 5 in 121;
5, 8-9 in 409; no further mention
412 E5. Aside from requirements of verification and proper
identification, are there any limits on the use of the (store)
credit cards you accept?
1. YES
! ----> 5. NO
1
ICPSR 8171 P. 466228 Screen 04 Page 89
0 in !
413-414 !----> 8. DK
!-----> 9. NA
0. Inap, 5 in 116; 5 in 118; 1 in 119; 5 in 120; 1 or 5 in 121
413 E5a. What are those limits?
414 Use LIMITS Master Code EXCEPT:
00. Inap, 5 in 116; 5 in 118; 1 in 119; 5 in 120; 1 or 5 in 121;
5, 8-9 in 412; no further mention
415 E7. Consider first just the category of point-of-sales and
accounting costs. This includes equipment and personnel costs
for writing sales slips, making change, obtaining verification
and approval for checks and credit cards, reconciling daily
receipts, recordkeeping, and other point-of-sale costs you may
have.
Considering just these costs, do payments made by personal
check cost your business more, less, or generally about the
same as cash payments for the typical size transaction?
1. CHECKS COST MORE
!-----> 3. SAME
0 in ! 5. CHECKS COST LESS
416 !
!-----> 8. DK
!-----> 9. NA
0. Inap, 5 in 116; 5 in 118; 1 in 119; 5 in
120; 1 or 5 in 121
416 E7a. By about what percent are point-of-sale and accounting costs for
personal checks (higher/lower) than for cash payments?
Code PERCENT TO ONE DECIMAL (0001-9995)
9998. DON'T KNOW
9999. NA
0000. Inap, 5 in 116; 5 in 118; 1 in 119; 5 in 120; 1 or 5 in 12
1;
3, 8-9 in 415
417 E8. Considering just point-of-sale and accounting costs, do payments
made by (store) credit cards cost your business more, less, or
generally about the same as cash payments for the typical size
transaction?
1
Page 90 P. 466228 Screen 04 ICPSR 8171
1. CARDS COST MORE
!------> 3. SAME
0 in ! 5. CARDS COST LESS
418 !
!------> 8. DK
!-----> 9. NA
0. Inap, 5 in 116; 5 in 118; 1 in 119; 5 in 120; or 5 in 121
418 E8a. By about what percent are point-of-sale and accounting costs for
(store) credit cards (higher/lower) than for cash 'payments?
Code PERCENT TO ONE DECIMAL (0001-9995)
9998. DON'T KNOW'
9999. NA
0000. Inap, 5 in 116; 5 in 118; 1 in 119; 5 in 120; 1 or 5 in
121; 3, 8-9 in 417
419 E9. Again considering just point-of-sale and accounting costs, do
payments made by (store) credit cards cost your business more,
less, or generally about the same as personal checks for the
typical size transaction?
1. CARDS COST MORE
!-------> 3. SAME
0 in ! 5. CARDS COST LESS
420 !
!------> 8. DK
!------> 9. NA
0. Inap, 5 in 116; 5 in 118; 1 in 119; 5 in 120; 1 or 5 in 121
420 E9a. By about what percent are point-of-sale and accounting costs for
(store) credit cards (higher/lower) than for personal checks?
Code PERCENT TO ONE DECIMAL (0001-9995)
9998. DON'T KNOW
9999. NA
0000. Inap, 5 in 116; 5 in 118; 1 in 119; 5 in 120; 1 or 5 in
121; 3, 8-9 in 419
421 E10. The next category of costs involves loss or theft of cash, bad
or returned checks, credit card fraud, bonding and insurance
fees, safekeeping and other security costs.
Considering just these costs, do payments made by personal
checks cost your business more, less, or generally about the
1
ICPSR 8171 P. 466228 Screen 04 Page 91
same as cash payments for the typical size transaction?
1. CHECKS COST MORE
!--------> 3. SAME
0 in ! 5. CHECKS COST LESS
422 !
!-------> 8. DK
!-------> 9. NA
0. Inap, 5 in 116; 5 in 118; 1 in 119; 5 in 120; 1 or 5 in 121
422 E10a. By about what percent are loss and security costs for personal
checks (higher/lower) than for cash payments?
Code PERCENT TO ONE DECIMAL (0001-9995)
9998. DON'T KNOW
9999. NA
0000. Inap, 5 in 116; 5 in 118; 1 in 119; 5 in 120; 1 or 5 in
121; 3, 8-9 in 421
423 E11. Again considering just the loss and security cost category, do
payments made by (store) credit cards cost your business more,
less, or generally about the same as cash payments for the
typical size transaction?
1. CARDS COST MORE
!--------> 3. SAME
0 in ! 5. CARDS COST LESS
424 !
! -------> 8. DK
!--------> 9. NA
0. Inap, 5 in 116; 5 in 118; 1 in 119; 5 in 120; 1 or 5 in 121
424 E11a. By about what percent are loss and security costs for (store)
credit cards (higher/lower) than for cash
Code PERCENT TO ONE DECIMAL (0001-9995)
9998. DON'T KNOW
9999. NA
0000. Inap, 5 in 116; 5 in 118; 1 in 119; 5 in 120; 1 or 5 in
121; 3, 8-9 in 423
425 E12. Considering just loss and security costs, do payments made by
(store) credit cards cost your business more, less, or generally
about the same as personal checks for the typical size
transaction?
1. CARDS COST MORE
1
Page 92 P. 466228 Screen 04 ICPSR 8171
!-----> 3. SAME
0 in ! 5. CARDS COST LESS
426 !
!-----> 8. DK
!-----> 9. NA
0. Inap, 5 in 116; 5 in 118; 1 in 119; 5 in 120; 1 or 5 in 121
(Revised 5/25/83
426 E12a. By about what percent are loss and security costs for (store)
credit cards (higher/lower) than for personal checks?
Code PERCENT TO ONE DECIMAL (0001-9995)
9998. DON'T KNOW
9999. NA
0000. Inap, 5 in 116; 5 in 118; 1 in 119; 5 in 120; 1 or 5 in
121; 3, 8-9 in 425
427 E13. Does your business pay a fee for verification or guarantee of
personal checks?
1. YES
!-----> 5. NO
0 in !
428-429 !-----> 8. DK
!-----> 9. NA
0. Inap, 5 in 116; 5 in 118; 1 in 119; 5 in 120; 1 or 5 in
121
428 E13a. How much is the fee? - PERCENT'
Code PERCENT TO ONE DECIMIAL (0001-9995)
9998. DON'T KNOW
9999. NA
0000. Inap, 5 in 116; 5 in 118; 1 in 119; 5 in 120; 1 or 5 in
121; 5, 8-9 in 427; DOLLARS given
429 E13a. DOLLARS
Code number of DOLLARS (0001-9995)
9998. DON'T KNOW
9999. NA
0000. Inap, 5 in 116; 5 in 118; 1 in 119; 5 in 120; 1 or 5 in
121; 5, 8-9 in 427; PERCENT given
1
ICPSR 8171 P. 466228 Screen 04 Page 93
If R gives "Per" mention for DOLLAR amounts (e.g. $95 per year)
MAKE CARD giving DOLLAR amount coded and "Per" mention]
430 E14. On most credit cards, the merchant pays a percentage of each
credit card sales slip to the card issuer or bank. What
percentage do you pay on average for the credit cards you
accept? - PERCENT
Code PERCENT TO ONE DECIMAL (0001-9995) EXCEPT:
9996. Nothing
9998. DON'T KNOW
9999. NA
0000. Inap, 5 in 116; 5 in 118; 1 in 119; 5 in 120; 1 or 5 in
121; DOLLARS given
431 E14. DOLLARS
Code number of DOLLARS (0001-9995) EXCEPT:
9996. Nothing
9998. DON'T KNOW
9999. NA
0000. Inap, 5 in 116; 5 in 118; 1 in 119; 5 in 120; 1 or 5 in
121; PERCENT given
432 E15. Considering the fees merchants pay on credit card sales, what is
the main reason it is worthwhile for your business to accept
credit cards?
Use PAYMENT PREFERENCE MASTER CODE EXCEPT:
00. Inap, 5 in 116; 5 in 118; 1 in 119; 5 in 120; 1 or 5 in 121
433 E16. Included in the third category are bank service charges for
deposits, costs to take the deposits to banks, and costs
associated with the delayed receipt of funds.
Considering the other deposit and financial costs (except check
verification fees), do payments made by personal checks cost
your business more, less, or generally about the same as cash
payments for the typical size transaction?
1. CHECKS COST MORE
!-------> 3. SAME
1
Page 94 P. 466228 Screen 04 ICPSR 8171
! 5. CHECKS COST LESS
0 in !
434 !-------> 8. DK
!-------> 9. NA
0. Inap, 5 in 116; 5 in 118; 1 in 119; 5 in 120; 1 or 5 in 121
434 E16a. By about what percent are deposit and financial costs for
personal checks (higher/lower) than for cash payments?
Code PERCENT TO ONE DECIMAL (0001-9995)
9998. DON'T KNOW
9999. NA
0000. Inap, 5 in 116; 5 in 118; 1 in 119; 5 in 120; 1 or 5 in
121; 3, 8-9 in 433
435 E17. Again, considering the deposit and financial costs except credit
card fees, do payments made by (store) credit cards cost your
business more, less, or generally about the same as cash
payments for the typical size transaction?
1. CARDS COST MORE
!--------> 3. SAME
! 5. CARDS COST LESS
0 in !
436 ! -------> 8. DK
!-------> 9. NA
0. Inap, 5 in 116; 5 in 118; 1 in 119; 5 in 120; 1 or 5 in 121
436 E17a. By about what percent are deposit and financial costs for
(store) credit cards (higher/lower) than for cash payments?
Code PERCENT TO ONE DECIMAL (0001-9995)
9998. DON'T KNOW
9999. NA
0000. Inap, 5 in 116; 5 in 118; 1 in 119; 5 in 120; 1 or 5 in
121; 3, 8-9 in 435
437 E18. Considering the deposit and financial costs except credit card
(and check verification) fees, do payments made by (store)
credit cards cost your business more, less, or generally about
the same as personal checks for the typical size transaction?
1. CARDS COST MORE
!------> 3. SAME
1
ICPSR 8171 P. 466228 Screen 04 Page 95
0 in ! 5. CARDS COST LESS
438 !
!-----> 8. DK
!-----> 9. NA
0. Inap, 5 in 116; 5 in 118; 1 in 119; 5 in 120; 1 or 5 in 121
438 E18a. By about what percent are deposit and financial costs for
(store) credit cards (higher/lower) than for personal checks?
Code PERCENT TO ONE DECIMAL (0001-9995)
9998. DON'T KNOW
9999. NA
0000. Inap, 5 in 116; 5 in 118; 1 in 119; 5 in 120; 1 or 5 in
121; 3, 8-9 in 437
439 E19. Now, consider all the costs to your business for accepting
different methods of payment (including credit card and check
verification fees). Overall, do payments made by personal
checks cost your business more, less, or generally about the
same as cash payments for the typical size transaction?
1. CHECKS COST MORE
! ------> 3. SAME
0 in ! 5. CHECKS COST LESS
440 !
!------> 8. DK
!------> 9. NA
0. Inap, 5 in 116; 5 in 118; 1 in 119; 5 in 120; 1 or 5 in 121
440 E19a. By about what percent are all these costs for personal checks
(higher/lower) than for cash payments?
Code PERCENT TO ONE DECIMAL (0001-9995)
9998. DON'T KNOW
9999. NA
0000. Inap, 5 in 116; 5 in 118; 1 in 119; 5 in 20; 1 or 5 in
121; 3, 8-9 in 439
441 E20. Again considering all these costs, overall, do payments made by
(store) credit cards cost your business more, less, or generally
about the same as cash payments for the typical size
transaction?
1. CARDS COST MORE
1
Page 96 P. 466228 Screen 04 ICPSR 8171
!-------> 3. SAME
0 in ! 5. CARDS COST LESS
442 !
!------> 8. DK
!------> 9. NA
0. Inap, 5 in 116; 5 in 118; 1 in 119; 5 in 120; 1 or 5 in 121
442 E20a. By about what percent are all these costs for (store) credit
cards (higher/lower) than for cash payments?
Code PERCENT TO ONE DECIMAL (0001-9995)
9998. DON'T KNOW
9999. NA
0000. Inap, 5 in 116; 5 in 118; 1 in 119; 5 in 120; 1 or 5 in
121; 3, 8-9 in 441
443 E21. Again considering all these costs, overall do purchases made by
(store) credit cards cost your business more, less, or generally
about the same as personal checks for the typical size
transaction?
1. CARDS COST MORE
!-------> 3. SAME
0 in ! 5. CARDS COST LESS
444 !
!------> 8. DK
!-------> 9. NA
0. Inap, 5 in 116; 5 in 118; 1 in 119; 5 in 120; 1 or 5 in 121
444 E21a. By about what percent are all these costs for (store) credit
cards (higher/lower) than for personal checks?
Code PERCENT TO ONE DECIMAL (0001-9995)
9998. DON'T KNOW
9999. NA
0000. Inap, 5 in 116; 5 in 118; 1 in 119; 5 in 120; 1 or 5 in
121; 3, 8-9 in 443
445 E22. At your business, what is the average dollar amount of a
typical size cash transaction?
Code number of DOLLARS (0001-9995)
9998. DON'T KNOW
1
ICPSR 8171 P. 466228 Screen 04 Page 97
9999. NA
0000. Inap, 5 in 116; 5 in 118; 1 in 119; 5 in 120; 1 or 5
in 121
446 E23. Thinking of all costs to your business from accepting payment by
cash--what would you say is the average cost for this typical
size transaction? - PERCENT
Code PERCENT TO ONE DECIMAL (0001-9995) EXCEPT:
9996. Nothing; no cost
9998. DON'T KNOW
9999. NA
0000. Inap, 5 in 116; 5 in 118; 1 in 119; 5 in 120; 1 or 5 in
121; DOLLARS given
447 E23. DOLLARS
Code number of DOLLARS (0001-9995) EXCEPT:
9996. Nothing; no cost
9998. DON'T KNOW
9999. NA
0000. Inap, 5 in 116; 5 in 118; 1 in 119; 5 in 120; 1 or 5 in
121; PERCENT given
448 E24. What is the most important cost to your business for accepting
cash payments?
Use COST PER METHOD Master Code EXCEPT:
00. Inap, 5 in 116; 5 in 118; 1 in 11 ; 5 in 120; 1 or 5 in 121
449 E25. What is the average dollar amount of a typical transaction paid
by personal check?
Code number of DOLLARS (0001-9995)
9998. DON'T KNOW
9999. NA
0000. Inap, 5 in 116; 5 in 118; 1 in 119; 5 in 120; 1 or 5 in
121
1
Page 98 P. 466228 Screen 04 ICPSR 8171
450 E26. Thinking of all costs to your business from accepting payment by
personal checks--what would you say is the average cost for this
typical size transaction? - PERCENT
Code PERCENT TO ONE DECIMAL (0001-9995) EXCEPT:
9996. Nothing; no cost
9998. DON'T KNOW
9999. NA
0000. Inap, 5 in 116; 5 in 118; 1 in 119; 5 in 120; 1 or 5 in
121; DOLLARS given
451 E26. DOLLARS
Code number of DOLLARS (0001-9995) EXCEPT:
9996. Nothing; no cost
9998. DON'T KNOW
9999. NA
0000. Inap, 5 in 116; 5 in 118; 1 in 119; 5 in 120; 1 or 5 in
121; PERCENT given
452 E27. What is the most important cost to your business for accepting
payments by personal check?
Use COST PER METHOD Master Code EXCEPT:
00. Inap, 5 in 116; 5 in 118; 1 in 119; 5 in 120; 1 or 5 in 121
453 E28. What is the average dollar amount of a typical (store) credit
card transaction?
Code number of DOLLARS (0001-9995)
9998. DON'T KNOW
9999. NA
0000. Inap, 5 in 116; 5 in 118; 1 in 119; 5 in 120; 1 or 5 in
121
454 E29. Thinking of all costs to your business from accepting payment by
credit cards--what would you say is the average cost for this
typical size transaction? - PERCENT
1
ICPSR 8171 P. 466228 Screen 04 Page 99
Code PERCENT TO ONE DECIMAL (0001-9995) EXCEPT:
9996. Nothing; no cost
9998. DON'T KNOW
9999. NA
0000. Inap, 5 in 116; 5 in 118; 1 in 119; 5 in 120; 1 or 5
in 121; DOLLARS given
455 E29. DOLLARS
Code number of DOLLARS (0001-9995) EXCEPT:
9996. Nothing; no cost
9998. DON'T KNOW
9999. NA
0000. Inap,5 in 116; 5 in 118; 1 in 119; 5 in 120; 1 or 5 in
121; PERCENT given
456 E30. What is the most important cost to your business for accepting
payment by (store) credit cards?
Use COST PER METHOD Master Code EXCEPT:
00. Inap, 5 in 116; 5 in 118; 1 in 119; 5 in 120; 1 or 5 in 121
1
Page 100 P. 466228 Screen 05 ICPSR 8171
May 1983
SURVEY OF RETAILERS, 1983
Screen 05
(F. Cash, Checks, and Both Store and Other Credit Cards: F1-F19)
Var #
501 F1. Does your business issue its own credit card or is it a private
label card with the business name on it, but issued by another
firm which handles the billing and financing?
1. STORE ISSUES CARD
2. PRIVATE LABEL CARD
8. DK
9. NA
0. Inap, 5 in 116; 5 in 118; 5 in 119; 5 in 120; 1 or 5 in 121
502 F2. If a customer is making a purchase, and only the method of
payment has to be decided, would you prefer to take cash, a
personal check, a store credit card, or another credit card in
payment?
1. CASH
2. PERSONAL CHECK
3. STORE CREDIT CARD
4. OTHER CREDIT CARD
0 in !---> 8. DK
503-504 !---> 9. NA
0. Inap, 5 in 116; 5 in 118; 5 in 119; 5 in 120; 1 or 5 in 121
503 F2a. What are the main reasons you would prefer to take (METHOD
504 CHECKED IN F2) instead of other methods of payment? Are there
any other reasons?
Use PAYMENT PREFERENCE MASTER CODE EXCEPT:
00. Inap, 5 in 116; 5 in 118; 5 in 119; 5 in 120; 1 or 5 in 121;
8-9 in 502; no further mention
505 F3. If your annual unit sales increased by 25 percent, would you
prefer to have the additional sales by cash, personal check,
store credit card, or another credit card?
1. CASH
2. PERSONAL CHECK
1
ICPSR 8171 P. 466228 Screen 05 Page 101
3. STORE CREDIT CARD
4. OTHER CREDIT CARD
0 in !---> 8. DK
506-507 !---> 9. NA
0. Inap, 5 in 116; 5 in 118; 5 in 119; 5 in 120; 1 or 5 in 121
506 F3a. What are the main reasons you would prefer the increased sales
in (MENTION CHECKED IN F3)? Are there any other reasons?
507 Use PAYMENT PREFERENCE MASTER CODE EXCEPT:
00. Inap, 5 in 116; 5 in 118; 5 in 119; 5 in 120; 1 or 5 in 121;
8-9 in 505; no further mention
508 F4. Aside from requirements of proper identification, are there any
limits to the policy of accepting personal checks?
1. YES
!---> 5. NO
0 in !
509-510 !---> 8. DK
!---> 9. NA
0. Inap, 5 in 116; 5 in 118; 5 in 119; 5 in 120; 1 or 5 in 121
509 F4a. What are those limits?
510 Use LIMITS Master Code EXCEPT:
00. Inap, 5 in 116; 5 in 118; 5 in 119; 5 in 120; 1 or 5 in 121;
5, 8-9 in 508; no further mention
511 F5. Aside from requirements of verification and proper
identification, are there any limits on the use of the store
credit cards?
1. YES
!---> 5. NO
0 in !
512-513 !---> 8. DK
!---> 9. NA
0. Inap, 5 in 116; 5 in 118; 5 in 119; 5 in 120; 1 or 5 in 121
512 F5a. What are those limits?
513 Use LIMITS Master Code EXCEPT:
00. Inap, 5 in 116; 5 in 118; 5 in 119; 5 in 120; 1 or 5 in 121;
5, 8-9 in 511; no further mention
1
Page 102 P. 466228 Screen 05 ICPSR 8171
514 F6. Aside from requirements of verification and proper
identification, are there any limits on the use of the other
credit cards you accept?
1. YES
!--> 5. NO
0 in !
515-516 !--> 8. DK
!--> 9. NA
0. Inap, 5 in 116; 5 in 118; 5 in 119; 5 in 120; 1 or 5 in 121
515 F6a. What are those limits?
516
Use LIMITS Master Code EXCEPT:
00. Inap, 5 in 116; 5 in 118; 5 in 119; 5 in 120; 1 or 5 in
121; 5, 8-9 in 514; no further mention
517 F8. Consider first just the category of point-of-sales and
costs. This includes equipment and personnel costs for writing
sales slips, making change, obtaining verification and approval
for checks and credit cards, reconciling daily receipts. record
keeping, and other point-of-sale costs you have.
Considering just these costs, do payments made by personal check
cost your business more, less, or generally about the same as
cash payments for the typical size transaction?
1. CHECKS COST MORE
!---> 3. SAME
0 in ! 5. CHECKS COST LESS
518 !
!---> 8. DK
!---> 9. NA
0. Inap, 5 in 116; 5 in 118; 5 in 119; 5 in 120; 1 or 5 in 121
518 F8a. By about what percent are point-of-sale and accounting costs for
personal checks (higher/lower) than for cash payments?
Code PERCENT To ONE DECIMAL (0001-9995)
9999. DON'T KNOW
9999. NA
0000. Inap, 5 in 116; 5 in 118; 5 in 119; 5 in 120; 1 or 5 in 1
3, 8-9 in 517
519 F9. Considering just point-of-sale and accounting costs, do payments
made by store credit cards cost your business more, less, or
generally about the same as cash payments for the typical size
transaction?
1
ICPSR 8171 P. 466228 Screen 05 Page 103
1. STORE CARDS COST MORE
!------> 3 SAME
0 in ! 5. STORE CARDS COST LESS
520 !
!------> 8. DK
!------> 9. NA
0. Inap, 5 in 116; 5 in 118; 5 in 119; 5 in 120; 1 or 5 in 121
520 F9a. By about what percent are point-of-sale and accounting costs for
store credit cards (higher/lower) than for cash payments?
Code PERCENT TO ONE DECIMAL (0001-9995)
9998. DON'T KNOW
9999. NA
0000. Inap, 5 in 116; 5 in 118; 5 in 119; 5 in 120; 1 or 5 in
121; 3, 8-9 in 519
521 F10. Considering just point-of-sale and accounting costs, do payments
made by the other credit cards you accept cost your business
more, less, or generally about the same as cash payments for
the typical size transaction?
1. OTHER CARDS COST MORE
!------> 3. SAME
0 in ! 5. OTHER CARDS COST LESS
522 !
!------> 8. DK
!------->9. NA
0. Inap, 5 in 116; 5 in 118; 5 in 119; 5 in 120; 1 or 5 in 121
522 F10a. By about what percent are point-of-sale and accounting costs for
these other credit cards (higher/lower) than for cash payments?
Code PERCENT TO ONE DECIMAL (0001-9995)
9998. DON'T KNOW
9999. NA
0000. Inap, 5 in 116; 5 in 118; 5 in 119; 5 in 120; 1 or 5 in
121; 3, 8-9 in 521
523 F11. Again considering just point-of-sale and accounting, costs, do
payments made by store credit cards cost your business more,
less, or generally about the same as personal checks for the
typical size transaction?
1. STORE CARDS COST MORE
1
Page 104 P. 466228 Screen 05 ICPSR 8171
!------> 3. SAME
0 in ! 5. STORE CARDS COST LESS
524 !
!------> 8. DK
!------> 9. NA
0. Inap, 5 in 116; 5 in 118; 5 in 119; 5 in 120; 1 or 5 in 121
524 F11a. By about what percent are point-of-sale and accounting costs for
store credit cards (higher/lower) than for personal checks?
Code PERCENT TO ONE DECIMAL (0001-9995)
9998. DON'T KNOW
9999. NA
0000. Inap, 5 in 116; 5 in 118; 5 in 119; 5 in 120; 1 or 5 in
121; 3, 8-9 in 523
525 F12. Considering just point-of-sale and accounting costs, do payments
made by store credit cards cost your business more, less, or
generally about the same as the other credit cards you accept
for the typical size transaction?
1. STORE CARDS COST MORE
!------> 3. SAME
0 in ! 5. STORE CARDS COST LESS
526 !
!-----> 8. DK
!------> 9. NA
0. Inap, 5 in 116; 5 in 118; 5 in 119; 5 in 120; 1 or 5 in 121
526 F12a. By about what percent are point-of -sale and accounting costs
for store credit cards (higher/lower) than for other credit
cards?
Code PERCENT To ONE DECIMAL (0001-9995)
9998. DON'T KNOW
9999. NA
0000. Inap, 5 in 116; 5 in 118; 5 in 119; 5 in 120; 1 or 5 in
121; 3, 8-9 in 525
527 F13. The next category of costs involves loss or theft of cash, bad
or returned checks, credit card fraud, bonding and insurance
fees, safekeeping and other security costs.
Considering just these costs, do payments made by personal
checks cost your business more less, or generally about the
1
ICPSR 8171 P. 466228 Screen 05 Page 105
same as cash payments for the typical size transaction?
1. CHECKS COST MORE
! ------> 3. SAME
0 in ! 5. CHECKS COST LESS
528 !
!------> 8. DK
!------> 9. NA
0. Inap, 5 in 116; 5 in 118; 5 in 119; 5 in 120; 1 or 5 in 121
528 F13a. By about what percent are loss and security costs for personal
checks (higher/lower) than for cash payments?
Code PERCENT TO ONE DECIMAL (0001-9995)
9998. DON'T KNOW
9999. NA
0000. Inap, 5 in 116; 5 in 118; 5 in 119; 5 in 120; 1 or 5 in
121; 3, 8-9 in 527
529 F14. Again considering just the loss and security cost category, do
payments made by store credit cards cost your business more,
less, or generally about the same as cash payments for the
typical size transaction?
1. STORE CARDS COST MORE
!-----> 3. SAME
0 in ! 5. STORE CARDS COST LESS
530 !
!-----> 8. DK
!-----> 9. NA
0. Inap, 5 in 116; 5 in 118; 5 in 119; 5 in 120; 1 or 5 in 121
530 F14a. By about what percent are loss and security costs for store
credit cards (higher/lower) than for cash payments?
Code PERCENT TO ONE DECIMAL (0001-9995)
9998. DON'T KNOW
9999. NA
0000. Inap, 5 in 116; 5 in 118; 5 in 119; 5 in 120; 1 or 5 in
121; 3, 8-9 in 529
531 F15. Again considering just the loss and security cost category, do
payments made by the other credit cards cost your business more,
less, or generally about the same as cash payments for the
1
Page 106 P. 466228 Screen 05 ICPSR 8171
typical size transaction?
1. OTHER CARDS COST MORE
!-----> 3. SAME
0 in ! 5. OTHER CARDS COST LESS
532 !
!-----> 8. DK
!-----> 9. NA
0. Inap, 5 in 116; 5 in 118; 5 in 119; 5 in 120; 1 or 5 in 121
532 F15a. By about what percent are loss and security costs for these
other credit cards (higher/lower) than for cash payments?
Code PERCENT TO ONE DECIMAL (0001-9995)
9998. DON'T KNOW
9999. NA
0000. Inap, 5 in 116; 5 in 118; 5 in 119; 5 in 120; 1 or 5 in
121; 3, 8-9 in 531
533 F16. Considering just loss and security costs, do payments made By
store credit cards cost your business more, less or generally
about the same as personal checks for the typical size
transaction?
1. STORE CARDS COST MORE
!-----> 3. SAME
0 in ! 5. STORE CARDS COST LESS
534 !
!-----> 8. DK
!-----> 9. NA
0. Inap, 5 in 116; 5 in 118; 5 in 119; 5 in 120; 1 or 5
in 121
534 F16a. By about what percent are loss and security costs for store
credit cards (higher/lower) than for personal checks?
Code PERCENT TO ONE DECIMAL (0001-9995)
9998. DON'T KNOW
9999. NA
0000. Inap, 5 in 116; 5 in 118; 5 in 119; 5 in 120; 1 or 5 in
121; 3, 8-9 in 533
535 F17. Considering just loss and security costs, do payments made by
store credit cards cost your business more, less, or generally
about the same as the other credit cards you accept for the
1
ICPSR 8171 P. 466228 Screen 05 Page 107
typical size transaction?
1. STORE CARDS COST MORE
!-----> 3. SAME
0 in ! 5. STORE CARDS COST LESS
536 !
!-----> 8. DK
!-----> 9. NA
0. Inap, 5 in 116; 5 in 118; 5 in 119; 5 in 120; 1 or 5 in 121
536 F17a. By about what percent are loss and security costs for store
credit cards (higher/lower) than for other credit cards?
Code PERCENT TO ONE DECIMAL (0001-9995)
9998. DON'T KNOW
9999. NA
0000. Inap, 5 in 116; 5 in 118; 5 in 119; 5 in 120; 1 or 5 in
121; 3, 8-9 in 535
(Revised 5/25/83)
537 F18. Does your business pay a fee for verification or guarantee of
personal checks?
1. YES
!-----> 5. NO
0 in !
538-539 !-----> 8. DK
!-----> 9. NA
0. Inap, 5 in 116; 5 in 118; 5 in 119; 5 in 120; 1 or 5 in 121
538 F18a. How much is the fee? - PERCENT
Code PERCENT TO ONE DECIMAL (0001-9995)
9998. DON'T KNOW
9999. NA
0000. Inap, 5 in 116; 5 in 118; 5 in 119; 5 in 120; 1 or 5 in
121; 5, 8-9 in 537; DOLLARS given
539 F18a. DOLLARS
Code number of DOLLARS (0001-9995)
9998. DON'T KNOW
1
Page 108 P. 466228 Screen 05 ICPSR 8171
9999. NA
0000. Inap, 5 in 116; 5 in 118; 5 in 119; 5 in 120; 1 or 5 in
121; 5, 8-9 in 537; PERCENT given
If R gives "Per" mention for DOLLAR amounts (e.g. $95 per year)
MAKE CARD giving DOLLAR amount coded and "Per" mention.
540 F19. On most credit cards other than store cards, the merchant pays a
percentage of each credit card sales slip to the card issuer or
bank. What percentage do you pay on average for the other credit
cards you accept? - PERCENT
Code PERCENT TO ONE DECIMAL (0001-9995)
9996. Nothing
9998. DON'T KNOW
9999. NA
0000. Inap, 5 in 116; 5 in 118; 5 in 119; 5 in 120; 1 or 5
in 121; DOLLARS given
541 F19. DOLLARS
Code number of DOLLARS (0001-9995)
9996. Nothing
9998. DON'T KNOW
9999. NA
0000. Inap, 5 in 116; 5 in 118; 5 in 119; 5 in 120; 1 or 5 in
121; PERCENT given
1
ICPSR 8171 Page 109
VAR # DESCRIPTION
1109 Dun & Bradstreet Credit Rating.* This consists of a three-digit numeric
coded rating followed by the three-digit alpha-numeric symbols used
in D & B credit reports. The alpha-numeric symbols are left justified.
In the case of 1 and 2 position alpha ratings, they will be right
justified. Position 180 is blank. The new D & B rating key is used.
See page no. 7. Size Indicators. Consists of four fields of five
positions each. Depending upon the code indicator, these fields will
contain figures which are actual, estimated or the low end of a range.
A full explanation of the codes used to signify, amount and type of
figure is provided on page 6.
1110 (a) Positions 181-185 - Sales. Annual Sales volume for the
company. Branch listings and some few special cases do
not have this figure and contain blanks.
1111 (b) Positions 186-190 - Net Worth* This field contains the
tangible net worth of the company involved. Branch
listings and some few special cases do not have this
figure and contain blanks.
1112 (c) Positions 191-195 - Employees Here. This field contains
number of employees at this location. This field is carried
in branch listings and is present in all but some few special
listings (e.g., lock boxes) which contains blanks.
1113 (d) Positions 196-200 - Total Employees. This field contains
the total number of employees for the organization to
which the establishment belongs. for branch listings and
some few special listings the field is blank. For single-
location establishments, the field is the same as
"Employees Here" field. The headquarter listing of multi-
establishment firms contains the total number of
employees for the entire organization.
SIC Numbers. Up to six Standard Industrial Classification Numbers
are stored for each establishment. The four-digit 1972 revision
numbers are described in detail in the D & B DMI catalog and in
various government publications. Dun and Bradstreet maintains two
additional Sic's. SIC "0000" describes lockbox locations and SIC
"9800" is used for internal processing by Dun and Bradstreet and
should therefore be ignored. The four digit numbers actually appear
as follows:
1114 (a) Positions 201-204 - Major or Primary SIC. This position is
always filled and represents the primary function of the
establishment.
(NOTE: (b) through (f) are used if
1115 (b) Positions 205-208. needed to show multiple
lines of business. Unused
positions contain blanks.)
1116 (c) Positions 209-212.
1
Page 110 ICPSR 8171
*if Not Requested, This Field Will Be Blank
1117 (d) positions 213-216,
1118 (e) positions 217-220,
1119 (f) positions 221-224,
1007 Secondary Name. This field contains the trade style or divisional name
if one is used by the establishment. There is data in the field or it
is blank.
1008 Parent or Headquarters City. This field contains the location of the
parent or headquarters of a subsidiary or branch.
1009 Parent or Headquarters State. This field contains the state location of
the parents or headquarters record of a subsidiary or branch.
1120 Parent or Headquarters Reporting Office. This is the three-digit
numeric code which identifies the Dun & Bradstreet Office which reports
the parent or headquarters location.
1121 Headquarters D-U-N-S Number. This is the D-U-N-S number of the
headquarters location if the listing is a branch (Identified by a "2"
in 302). This allows the computer to tie branch locations to their
appropriate headquarters record. Listings with a "1" in positions 302
show a repetition of their own D-U-N-S Number in this field. These are
headquarter records, and their numbers are repeated in this field so
that a common sort and/or match area is available for Headquarter and
Branch records. Thus for headquarter records (identified by a "1"
in position 302) the same D-U-N-S Number appears twice in the record.
Branch listings whose headquarter D-U-N-S has not yet been entered
contain a "[ ]" (hypocycloid) in this field. Records that do not
contain a "1" or "2" in position 302 contain blanks in this field.
1122 Parent D-U-N-S. If there is a "3" in position 303 (indicating that this
is a subsidiary record) then the D-U-N-S Number of the parent
organization's headquarter location will appear in this field. This
allows a computer match-up of parent/subsidiary related firms. If this
record is not a subsidiary ("0" in position 303), then the parent
D-U-N-S field is blank.
1123 Ultimate D-U-N-S Number. The D-U-N-S Number of the top most firm of a
"Family-Tree" group of companies. The field will either contain data
or blanks.
1124 Status Indicator. This shows the company's organizational status.
Following are possible codes:
0 = Not a Headquarters or Branch (single location).
1 = Headquarters location
2 = Branch location
1
ICPSR 8171 Page 111
1125 Subsidiary indicalor. If this establishment is a subsidiary, there will
be a "3" in this position. If it is not a subsidiary, the position will
contain a "0".
1126 Manufacturing Indicator. This code tells whether or not manufacturing
operations are done at this point. Possible entries are:
0 - Manufacturing is done at this location.
1 - No manufacturing is done at this location.
* NOTE:
If Trend Data is requested positions 305-310 will contain the
following Information; otherwise, these positions are blank. Only
headquarter and single location records are considered.
1127 Percent Growth Sales. This figure will be positive or negative
depending on the trend. This field contains the sales growth/decline
percentage over a five year period.
1128 Percent Growth Employment. This figure will be positive or negative
depending on the trend. This figure represents the employment growth
percentage over a five (5) year period.
Blank.
1129 SMSA. Codes
Refer to Dun & Bradstreet Standard Metropolitan Statistical Area
booklet.
* NOTE:
If Trend Data is requested positions 317-336 will contain the
following information; otherwise, these positions are blank. Only
headquarters and single location records are considered.
1130 Base Year Sales. This field contains the annual sales volume from the
December file of the base year. The base year is the year five (5) years
previous to the trend year.
1131 Base Year Employment. This field contains the total number of employees
from the December file of the base year.
1132 Trend Year Sales. This field contains the annual sales volume from the
December file of the trend year. The trend year is last year's December
file.
1133 Trend Year Employment. This field contains the total number of employees
from the December file of the trend year.
Blank.
1134 Dun & Bradstreet Reporting Office Number.
1135 Transaction Codes. A code that identifies the last transaction processed
1
Page 112 ICPSR 8171
against a master. Possible entries are on transaction tape files:
1 - Delete
2 - New -addition to file
3 - Change
All other codes appearing in this field should be considered changes.
1136 Report Date. Date of last D & B report processed against the master.
This is formatted YYMMDD.
Record Mark. This code signifies end of record.
CODE EXPLANATION FOR -
Number of Employment (Here & Total)
Net Worth
Sales Volume
1. If actual statistics are known, the entire field is used as follows:
(Zero in last position - code)
NUMBER OF DIGITS FIRST 4 DIGITS CODE IND
1 000# 0 always "O" when
2 00## " actual figures
3 0### " are reported
4 1### "
5 2### "
6 3### "
7 4### "
8 5### "
9 6### "
10 7### "
The symbol represents the actual figure. We can show exact numbers up
to 999 employees or dollars, and the first digit will always be a zero.
After 999 is reached, the first digit will always indicate the number
of zeros that have to be added to the following three digits. E.G.,
3450 = 450000 dollars or employees.
2. If code indicator (last position) contains a "l," the figure in the
first four positions represents the low end of a range. The same
system applies as under 1.
3. If figure is unavailable, the fields will always be coded 00002.
The following explanation applies to the Sales Volume field only:
4. If code indicator (last position) contains a "2", the non-zero
figure in the first four positions represents an estimate based upon
industry and size, norms.
1
ICPSR 8171 Page 113
NEW KEY TO RATINGS Coded On
DMI Magnetic
Tape
Estimated Financial Strength Composite Credit Appraisal Position 174-176
HIGH GOOD FAIR LTD. HIGH GOOD FAIR LTD.
5A Over $50,000,000 1 2 3 4 001 - 002 - 003 - 004
4A $10,000,000 to 50,000,000 1 2 3 4 005 - 006 - 007 - 008
3A 1,000,000 to 10,000,000 1 2 3 4 011 - 012 - 013 - 014
2A 750,000 to 1,000,000 1 2 3 4 021 - 022 - 023 - 024
1A 500,00 to 750,000 1 2 3 4 031 - 032 - 033 - 034
BA 300,000 to 500,000 1 2 3 4 041 - 042 - 043 - 044
BB 200,000 to 300,000 1 2 3 4 051 - 052 - 053 - 054
CB 125,000 to 200,000 1 2 3 4 061 - 062 - 063 - 064
CC 75,000 to 125,000 1 2 3 4 071 - 072 - 073 - 074
DC 50,000 to 75,000 1 2 3 4 081 - 082 - 083 - 084
DD 35,000 to 50,000 1 2 3 4 091 - 092 - 093 - 094
EE 20,000 to 35,000 1 2 3 4 101 - 102 - 103 - 104
FF 10,000 to 20,000 1 2 3 4 111 - 112 - 113 - 114
GG 5,000 to 10,000 1 2 3 4 121 - 122 - 123 - 124
HH Up to 5,000 1 2 3 4 131 - 132 - 133 - 134
1R 125,000 And Over 2 3 4 - 210 - 211 - 212
2R 50,000 124,999 2 3 4 - 220 - 221 - 222
OTHER RATINGS
OBTAIN ADDITIONAL REPORT 250
ER INDICATES EMPLOYEE RANGE 410*
INV REPORT UNDER INVESTIGATION 510
BR BRANCH-SEE HQ RATING 610 or 600
CR CROSS REFERENCE (TRADESTYLE) 710
LB THIS IS A LOCKBOX 810
* NOTE Rating 410 is being eliminated and replaced with the following codes:
CODE KEY TO EMPLOYEE RANGE DESIGNATIONS
420 - ER 1 Over 1,000 Employees
430 - ER 2 500 - 999 Employees
440 - ER 3 100 - 499 Employees
450 - ER 4 50 - 99 Employees
460 - ER 5 20 - 49 Employees
470 - ER 6 10 - 19 Employees
480 - ER 7 5 - 9 Employees
490 - ER 8 1 - 4 Employees
ER N Not Available
1
Page 114 ICPSR 8171
AN EXPLANATION OF ORGANIZATIONAL DEFINITIONS
Headquarters: The main office of a company. It implies the existence of a
branch or branches reporting to it and bearing the same name.
These branches may or may not be represented in the DMI file.
Branch: Any location, other than headquarters, where a business conducts
any type of activity.
A branch is a secondary location of a company reporting to a
main office called headquarters. Branches carry the same
primary name as their headquarters and can only report to them.
In nearly, all cases, the headquarters will be in the DMI file.
Division: A recognizable unit within a business which has a divisional
name, performs a specific activity, has its own manager and,
normally has the characteristics of a separate business. For
reporting purposes, a division is a branch even if located at
the same address as headquarters.
Single
-Location: A business in which all operations are performed out of one
physical location. A single-location business may, be a
subsidiary or a parent. It cannot have branches reporting to it.
Trade Style: Not to be confused with a branch or division. An additional
trade style is a fictitious name used by a business for
advertising and, or buying purposes.
Parents &
Subsidiaries: There is one development which is peculiar to corporations -
the formation of subsidiary concerns. One company may form a
second company, or may buy the stock of a second company. The
first is known as the "parent" and the second is known as a
"subsidiary." A subsidiary is any corporation with more than
50% of its voting stock owned by another corporation.
Subsidiary companies are formed for several purposes. The
subsidiary may carry on a business somewhat different from
that of the parent company, or at a different location. At
times the subsidiary is formed to split up the liability,
particularly when, some new undertaking is to be started.
1
ICPSR 8171 P. 466228 Screen 06 Page 115
May 1983
SURVEY OF RETAILERS, 1983
Screen 06
(F. Cash, Checks, and Both Store and Other Credit Cards: F2O-F42)
Var #
601 F20. Considering the fees merchants pay on credit card sales, what is
the main reason it is worthwhile for your business to accept
these other credit cards?
Use PAYMENT PREFERENCE MASTER CODE EXCEPT:
00. Inap, 5 in 116; 5 in 118; 5 in 119; 5 in 120; 1 or 5 in 121
1
Page 116 P. 466228 Screen 06 ICPSR 8171
Var #
602 F21. Included in the third category are bank service charges for
deposit costs to take the deposits to banks, and costs
associated with the delayed receipt of funds.
Considering all deposit and financial costs (except check
verification fees), do payments made by personal checks cost
your business more, less, or generally about the same as cash
payments for the typical size transaction?
1. CHECKS COST MORE
!-----> 3. SAME
0 in ! 5. CHECKS COST LESS
603 !
!-----> 8. DK
!-----> 9. NA
0. Inap, 5 in 116; 5 in 118; 5 in 119; 5 in 120; 1 or 5 in 121
603 F21a. By about what percent are deposit and financial costs for
personal checks (higher/lower) than for cash payments?
Code PERCENT TO ONE DECIMAL (0001-9995)
9998. DON'T KNOW
9999. NA
0000. Inap, 5 in 116; 5 in 118; 5 in 119; 5 in 120; 1 or 5 in
121; 3, 8-9 in 602
604 F22. Considering the deposit and financial costs except credit card
fees, do payments made by store credit cards cost your business
more, less, or generally about the same as cash payments for
the typical size transaction?
1. STORE CARDS COST MORE
!-----> 3. SAME
0 in ! 5. STORE CARDS COST LESS
605 !
!-----> 8. DK
!-----> 9. NA
0. Inap, 5 in 116; 5 in 118; 5 in 119; 5 in 120;1 or 5 in 121
605 F22a. By about what percent are deposit and financial costs for store
credit cards (higher/lower) than for cash payments?
Code PERCENT TO ONE DECIMAL (0001-9995)
1
ICPSR 8171 P. 466228 Screen 06 Page 117
9998. DON'T KNOW
9999. NA
0000. Inap, 5 in 116; 5 in 118; 5 in 119; 5 in 120; 1 or 5 in
121; 3, 8-9 in 604
606 F23. Considering the deposit and financial costs except credit card
fees, do payments made by other credit cards cost your business
more, less, or generally about the same as cash payments for the
typical size transaction?
1. OTHER CARDS COST MORE
!-----> 3. SAME
0 in ! 5. OTHER CARDS COST LESS
607 !
!-----> 8. DK
!-----> 9. NA
0. Inap, 1 in 116; 5 in 118; 5 in 119; 5 in 120; 1 or 5 in 121
607 F23a. By about what percent are deposit and financial costs for other
credit cards (higher/lower) than for cash payments?
Code PERCENT TO ONE DECIMAL (0001-9995)
9998. DON'T KNOW
9999. NA
0000. Inap, 5 in 116; 5 in 118; 5 in 119; 5 in 120; 1 or 5 in
121; 3, 8-9 in 606
608 F24. Considering the deposit and financial costs except credit card
(and check verification) fees, do payments made by store credit
cards cost your business more, less or generally about the same
as personal checks for the typical size transaction?
1. STORE CARDS COST MORE
!-----> 3. SAME
0 in ! 5. STORE CARDS COST LESS
609 !
!-----> 8. DK
!-----> 9. NA
0. Inap, 5 in 116; 5 in 118; 5 in 119; 5 in 120; 1 or 5 in 121
609 F24a. By about what percent are deposit and financial costs for store
credit cards (higher/lower) than for personal checks?
Code PERCENT TO ONE DECIMAL (0001-9995)
1
Page 118 P. 466228 Screen 06 ICPSR 8171
9998. DON'T KNOW
9999. NA
0000. Inap, 5 in 116; 5 in 118; 5 in 119; 5 in 120; 1 or 5
in 121; 3, 8-9 in 608
610 F25. Again, considering the deposit and financial costs except credit
card fees, do payments made by store credit cards cost your
business more, less, or generally about the same as the other
credit cards you accept for the typical size transaction?
1. STORE CARDS COST MORE
!-----> 3. SAME
0 in ! 5. STORE CARDS COST LESS
611 !
!-----> 8. DK
!-----> 9. NA
0. Inap, 5 in 116; 5 in 118; 5 in 119; 5 in 120; 1 or 5 in 121
611 F25a. By about what percent are deposit and financial costs for store
credit cards (higher/lower) than for the other credit cards?
Code PERCENT TO ONE DECIMAL (0001-9995)
9998. DON'T KNOW
9999. NA
0000. Inap, 5 in 116; 5 in 118; 5 in 119; 5 in 120; 1 or 5
in 121; 3, 8-9 in 610
612 F26. Now, consider all the different types of costs to your business
for accepting different methods of payment. Overall, do payments
made by personal checks cost your business more, less, or
generally about the same as cash payments for the typical size
transaction?
1. CHECKS COST MORE
!-----> 3. SAME
0 in ! 5. CHECKS COST LESS
613 !
!-----> 8. DK
!-----> 9. NA
0. Inap, 5 in 116; 5 in 118; 5 in 119; 5 in 120; 1 or 5 in 121
613 F26a. By about what percent are all these costs for personal checks
(higher/lower) than for cash payments?
Code PERCENT TO ONE DECIMAL (0001-9995)
1
ICPSR 8171 P. 466228 Screen 06 Page 119
9998. DON'T KNOW
9999. NA
0000. Inap, 5 in 116; 5 in 118; 5 in 119; 5 in 120; 1 or 5 in
121; 3, 8-9 in 612
614 F27. Again considering all these costs, overall, do payments made by
store credit cards cost your business more, less, or generally
about the same as cash payments for the typical size
transaction?
1. STORE CARDS COST MORE
!-----> 3. SAME
0 in ! 5. STORE CARDS COST LESS
615 !
!-----> 8. DK
!-----> 9. NA
0. Inap, 5 in 116; 5 in 118; 5 in 119; 5 in 120; 1 or 5 in 121
615 F27a. By about what percent are all these costs for store credit cards
(higher/lower) than for cash payments?
Code PERCENT TO ONE DECIMAL (0001-9995)
9998. DON'T KNOW
9999. NA
0000. Inap, 5 in 116; 5 in 118; 5 in 119; 5 in 120; 1 or 5 in
121; 3, 8-9 in 614
616 F28. Again considering all these costs, overall do purchases made by the
other credit cards you accept cost your business more, less, or
generally about the same as cash payments for the typical size
transaction?
1. OTHER CARDS COST MORE
!-----> 3. SAME
0 in ! 5. OTHER CARDS COST LESS
617 !
!-----> 8. DK
!-----> 9. NA
0. Inap, 5 in 116; 5 in 118; 5 in 119; 5 in 120; 1 or 5 in 121
617 F28a. By about what percent are all these costs for the other credit
cards (higher/lower) than for cash payments?
1
Page 120 P. 466228 Screen 06 ICPSR 8171
Code PERCENT TO ONE DECIMAL (0001-9995)
9998. DON'T KNOW
9999. NA
0000. Inap, 5 in 116; 5 in 118; 5 in 119; 5 in 120; 1 or 5 in
121; 3, 8-9 in 616
618 F29. Again considering all these costs, overall do purchases made by
store credit cards cost your business more, less, or generally
about the same as personal checks for the typical size
transaction?
1. STORE CARDS COST MORE
!-----> 3. SAME
0 in ! 5. STORE CARDS COST LESS
619 !
!-----> 8. DK
!-----> 9. NA
0. Inap, 5 in 116; 5 in 118; 5 in 119; 5 in 120; 1 or 5 in 121
619 F29a. By about what percent are all these costs for store credit cards
(higher/lower) than for personal checks?
Code PERCENT TO ONE DECIMAL (0001-9995)
9998. DON'T KNOW
9999. NA
0000. Inap, 5 in 116; 5 in 118; 5 in 119; 5 in 120; 1 or 5 in
121; 3, 8-9 in 618
620 F30. Again considering all these costs, overall, do payments made by
store credit cards cost your business more, less, or generally
about the same as the other credit cards you accept?
1. STORE CARDS COST MORE
!-----> 3. SAME
0 in ! 5. STORE CARDS COST LESS
621 !
!-----> 8. DK
!-----> 9. NA
0. Inap, 5 in 116; 5 in 118; 5 in 119; 5 in 120; 1 or 5 in 121
621 F30a. By about what percent are all these costs for store credit cards
(higher/lower) than for the other credit cards you accept?
Code PERCENT TO ONE DECIMAL (0001-9995)
1
ICPSR 8171 P. 466228 Screen 06 Page 121
9998. DON'T KNOW
9999. NA
0000. Inap, 5 in 116; 5 in 118; 5 in 119; 5 in 120; 1 or 5 in
121; 3, 8-9 in 620
622 F31. At your business, what is the average dollar amount of a typical
size cash transaction?
Code number of DOLLARS (0001-9995)
9998. DON'T KNOW
9999. NA
0000. Inap, 5 in 116; 5 in 118; 5 in 119; 5 in 120; 1 or 5 in
121
623 F32. Thinking of all costs to your business for accepting payment by
cash--what would you say is the average cost for this typical
size transaction? - PERCENT
Code PERCENT TO ONE DECIMAL (0001-9995)
9996. Nothing; no cost
9998. DON'T KNOW
9999. NA
0000. Inap, 5 in 116; 5 in 118; 5 in 119; 5 in 120; 1 or 5 in
121; DOLLARS given
624 F32. DOLLARS
Code number of DOLLARS (0001-9995)
9996. Nothing; no cost
9998. DON'T KNOW
9999. NA
0000. Inap, 5 in 116; 5 in 118; 5 in 119; 5 in 120; 1 or 5 in
121; PERCENT given
625 F33. What is the most important cost to your business for accepting
cash payments?
Use COST PER METHOD Master Code EXCEPT:
1
Page 122 P. 466228 Screen 06 ICPSR 8171
00. Inap, 5 In 116; 5 in 118; 5 in 119; 5 in 120; 1 or 5 in 121
626 F34. What is the average dollar amount of a typical transaction paid
by personal check?
Code number of DOLLARS (0001-9995)
9998. DON'T KNOW
9999. NA
0000. Inap, 5 in 116; 5 in 118; 5 in 119; 5 in 120; 1 or 5 in
121
627 F35. Thinking of all costs to your business for accepting payment by
personal cheeks--what would you say is the average cost for this
typical size transaction? - PERCENT
Code PERCENT TO ONE DECIMAL (0001-9995)
9996. Nothing; no cost
9998. DON'T KNOW
9999. NA
0000. Inap, 5 in 116; 5 in 118; 5 in 119; 5 in 120; 1 or 5 in
121; DOLLARS given
628 F35. DOLLARS
Code number of DOLLARS (0001-9995)
9996. Nothing; no cost
9998. DON'T KNOW
9999. NA
0000. Inap, 5 in 116; 5 in 118; 5 in 119; 5 in 120; 1 or 5 in
121; PERCENT given
629 F36. What is the most important cost to your business for accepting
payments by personal check?
Use COST PER METHOD Master Code EXCEPT:
00. Inap, 5 in 116; 5 in 118; 5 in 119; 5 in 120; 1 or 5 in 121
630 F37. What is the average dollar amount of a typical store credit card
1
ICPSR 8171 P. 466228 Screen 06 Page 123
transaction?
Code number of DOLLARS (0001-9995)
9998. DON'T KNOW
9999. NA
0000. Inap, 5 in 116; 5 in 118; 5 in 119; 5 in 120; 1 or 5 in
121
631 F38. Thinking of all costs to your business for accepting payment by
store credit cards-what would you say is the average cost for
this typical size transaction? - PERCENT
Code PERCENT TO ONE DECIMAL (0001-9995)
9996. Nothing; no cost
9998. DON'T KNOW
9999. NA
0000. Inap, 5 in 116; 5 in 118; 5 in 119; 5 in 120; 1 or 5 in
121; DOLLARS given
632 F38. DOLLARS
Code number of DOLLARS (0001-9995)
9996. Nothing; no cost
9998. DON'T KNOW
9999. NA
0000. Inap, 5 in 116; 5 in 118; 5 in 119; 5 in 120; 1 or 5 in
121; PERCENT given
633 F39. What is the most important cost to your business for accepting
payment by store credit cards?
Use COST PER METHOD Master Code EXCEPT:
00. Inap, 5 in 116; 5 in 118; 5 in 119; 5 in 120; 1 or 5 in 121
634 F40. What is the average dollar amount of a typical transaction paid
by the other credit cards you accept?
Code number of DOLLARS (0001-9995)
9998. DON'T KNOW
1
Page 124 P. 466228 Screen 06 ICPSR 8171
9999. NA
0000. Inap, 5 in 116; 5 in 118; 5 in 119; 5 in 120; 1 or 5
in 121
635 F41. Thinking of all costs to your business for accepting payment by
the other credit cards--what would you say is the average cost
for this typical size transaction? - PERCENT
Code PERCENT TO ONE DECIMAL (0001-9995)
9996. Nothing; no cost
9998. DON'T KNOW
9999. NA
0000. Inap, 5 in 116; 5 in 118; 5 in 119; 5 in 120; 1 or 5 in
121; DOLLARS given
636 F41. DOLLARS
Code number of DOLLARS (0001-9995)
9996. Nothing; no cost
9998. DON'T KNOW
9999. NA
0000. Inap, 5 in 116; 5 in 118; 5 in 119; 5 in 120; 1 or 5 in
121
637 F42. What is the most important cost to your business for accepting
payments by the other credit cards?
USE COST PER METHOD Master Code EXCEPT:
00. Inap, 5 in 116; 5 in 118; 5 in 119; 5 in 120; 1 or 5 in 121
1
ICPSR 8171 P. 466228 Screen 07 Page 125
May 1983
SURVEY OF RETAILERS, 1983
Screen 07
(G. Cash, Both Store and Other Credit Cards: G1-C26a)
Var #
701 C1. Does your business issue its own credit card or is it a private
label card with the business name on it, but issued by another
firm which handles the billing and financing?
1. STORE ISSUES CARD
2. PRIVATE LABEL CARD
8. DK
9. NA
0. Inap, 5 in 116; 5 in 118; 1 or 5 in 119; 5 in 120; 5 in 121
702 G2. If a customer is making a purchase, and only the method of
payment has to be decided, would you prefer to take cash, a
store credit card, or another credit card in payment?
1. CASH
3. STORE CREDIT CARD
4. OTHER CREDIT CARD
0 in !------> 8. DK
703 !------> 9. NA
0. Inap, 5 in 116; 5 in 118; 1 or 5 in 119; 5 in 120; 5 in 121
703 G2a. What are the main reasons you would prefer to take (METHOD
704 CHECKED IN G2) instead of other methods of payment? Are there
any other reasons?
Use PAYMENT PREFERENCE MASTER CODE EXCEPT:
00. Inap, 5 in 116; 5 in 118; 1 or 5 in 119; 5 in 120; 5 in 121;
8-9 in 702; no further mention
705 G3. If your annual unit sales increased by 25 percent, would you
1
Page 126 P. 466228 Screen 07 ICPSR 8171
prefer to have the additional sales by cash, store credit card,
or another credit card?
1. CASH
3. STORE CREDIT CARD
4. OTHER CREDIT CARD
0 in !----> 8. DK
706-707 !----> 9. NA
0. Inap, 5 in 116; 5 in 118; 1 or 5 in 119; 5 in 120; 5 in 121
706 G3a. What are the main reasons you would prefer the increased sales
707 in (MENTION CHECKED IN G3)? Are there any other reasons?
Use PAYMENT PREFERENCE MASTER CODE EXCEPT:
00. Inap, 5 in 116; 5 in 118; 1 or 5 in 119; 5 in 120; 5 in 121;
8-9 in 705; no further mention
708 G4. Aside from requirements of verification and proper
identification, are there any limits on the use of the store
credit cards?
1. YES
!----> 5. NO
0 in !
709-710 !----> 8. DK
!----> 9. NA
0. Inap, 5 in 116; 5 in 118; 1 or 5 in 119; 5 in 120; 5 in 121
709 G4a. What are those limits?
710 Use LIMITS Master Code EXCEPT:
00. Inap, 5 in 116; 5 in 118; 1 or 5 in 119; 5 in 120; 5 in 121;
5, 8-9 in 708; no further mention
711 G5. Aside from requirements of verification and proper
identification, are there any limits on the use of the other
credit cards you accept?
1. YES
!----> 5. NO
0 in !
712-713 !----> 8. DK
1
ICPSR 8171 P. 466228 Screen 07 Page 127
!----> 9. NA
0. Inap, 5 in 116; 5 in 118; 1 or 5 in 119; 5 in 120; 5 in 121
712
713 G5a. What are those limits?
Use LIMITS Master Code EXCEPT:
00. Inap, 5 in 116; 5 in 118; 1 or 5 in 119; 5 in 120; 5 in 121;
5, 8-9 in 711; no further mention
714 G6. What are the main reasons your business does not generally
715 accept personal checks? Are there any other reasons?
Use PAYMENT PREFERENCE MASTER CODE EXCEPT:
00. Inap, 5 in 116; 5 in 118; 1 or 5 in 119; 5 in 120; 5 in 121;
no further mention
716 G7. Has your business ever accepted personal checks for payment?
1. YES
!-----> 5. NO
0 in !
717 !-----> 8. DK
!-----> 9. NA
0. Inap, 5 in 116; 5 in 118; 1 or 5 in 119; 5 in 120; 5 in 121
717 G7a. How many years ago did your business stop accepting personal
checks?
Code number of YEARS (01-95) Convert "Since (YR)"
answers to number of
98. DK years.
99. NA
00. Inap, 5 in 116; 5 in 118; 1 or 5 in 119; 5 in 120; 5 in 121;
5, 8-9 in 716
718 G9. Consider first just the category of point-of-sales and a
costs. This includes equipment and personnel costs for writing
sales slips, making change, obtaining verification and approval
for checks and credit cards, reconciling daily receipts, record
keeping, and other point-of-sale costs you have.
Considering just these costs, do payments made by store credit
cards cost your business more, less, or generally about the
same as cash payments for the typical size transaction?
1. STORE CARDS COST MORE
!-----> 3. SAME
0 in ! 5. STORE CARDS COST LESS
1
Page 128 P. 466228 Screen 07 ICPSR 8171
719 !
!-----> 8. DK
!-----> 9. NA
0. Inap, 5 in 116; 5 in 118; 1 or 5 in 119; 5 in 120; 5 in 121
719 G9a. By about what percent are point-of-sale and accounting costs for
store credit cards (higher/lower) than for cash payments?
Code PERCENT TO ONE DECIMAL (0001-9995)
9998. DON'T KNOW
9999. NA
0000. Inap, 5 in 116; 5 in 118; 1 or 5 in 119; 5 in 120; 5 in
121; 3, 8-9 in 718
720 G10. Considering just point-of-sale and accounting Costs, do payments
made by the other credit cards you accept cost your business
more, less, or generally about the same as cash payments for
the typical size transaction?
1. OTHER CARDS COST MORE
!-----> 3. SAME
0 in ! 5. OTHER CARDS COST LESS
721 !
!-----> 8. DK
!-----> 9. NA
0. Inap, 5 in 116; 5 in 118; 1 or 5 in 119; 5 in 120; 5 in 121
721 G10a. By about what percent are point-of-sale and accounting costs for
these other credit cards (higher/lower) than for cash payments?
Code PERCENT TO ONE DECIMAL (0001-9995)
9998. DON'T KNOW
9999. NA
0000. Inap, 5 in 116; 5 in 118; 1 or 5 in 119; 5 in 120; 5 in
121; 3, 8-9 in 720
722 G11. Considering just point-of-sale and accounting costs, do payments
made by store credit cards cost your business more, less, or
generally about the same as the other credit cards you accept
for the typical size transaction?
1. STORE CARDS COST MORE
1
ICPSR 8171 P. 466228 Screen 07 Page 129
!-----> 3. SAME
0 in ! 5. STORE CARDS COST LESS
723 !
!-----> 8. DK
!-----> 9. NA
0. Inap, 5 in 116; 5 in 118; 1 or 5 in 119; 5 in 120; 5 in 121
723 G11a. By about what percent are point-of-sale and accounting costs for
store credit cards (higher/lower) than for other credit cards?
Code PERCENT TO ONE DECIMAL (0001-9995)
9998. DON'T KNOW
9999. NA
0000. Inap, 5 in 116; 5 in 118; 1 or 5 in 119; 5 in 120; 5 in
121; 3, 8-9 in 722
724 G12. Considering just point-of-sale and accounting costs, do you
think payments made by personal checks would cost your business
more, less, or generally about the same as cash payments for
the typical size transaction?
1. CHECKS COST MORE
3. SAME
5. CHECKS COST LESS
8. DK
9. NA
0. Inap, 5, in 116; 5 in 118; 1 or 5 in 119; 5 in 120; 5 in 121
725 G13. Again considering just point-of-sale and accounting costs, would
payments made by store credit cards cost your business more,
less, or generally about the same as personal checks for the
typical size transaction?
1. STORE CARDS COST MORE
3. SAME
5. STORE CARDS COST LESS
8. DK
9. NA
0. Inap, 5 in 116; 5 in 118; 1 or 5 in 119; 5 in 120; 5 in 121
726 G14. The next category of costs involves loss or theft of cash, bad
or returned checks, credit card fraud, bonding and insurance
fees, safekeeping and other security costs.
1
Page 130 P. 466228 Screen 07 ICPSR 8171
Considering just these costs, do payments made by store credit
cards cost your business more, less, or generally about the same
as cash payments for the typical size transaction?
1. STORE CARDS COST MORE
!-----> 3. SAME
0 in ! 5. STORE CARDS COST LESS
727 !
!-----> 8. DK
!-----> 9. NA
0. Inap, 5 in 116; 5 in 118; 1 or 5 in 119; 5 in 120; 5 in 121
727 G14a. By about what percent are loss and security costs for store
credit cards (higher/lower) than for cash payments?
Code PERCENT TO ONE DECIMAL (0001-9995)
9998. DON'T KNOW
9999. NA
0000. Inap, 5 in 116; 5 in 118; 1 or 5 in 119; 5 in 120; 5 in
121; 3, 8-9 in 726
728 G15. Again considering just the loss and security cost category, do
payments made by the other credit cards cost your business more,
less, or generally about the same as cash payments for the
typical size transaction?
1. OTHER CARDS COST MORE
!-----> 3. SAME
0 in ! 5 . OTHER CARDS COST LESS
729 !
!-----> 8. DK
!-----> 9. NA
0. Inap, 5 in 116; 5 in 118; 1 or 5 in 119; 5 in 120; 5 in 121
729 G15a. By about what percent are loss and security costs for these
other credit cards (higher/lower) than for cash payments?
Code PERCENT TO ONE DECIMAL (0001-9995)
9998. DON'T KNOW
9999. NA
0000. Inap, 5 in 116; 5 in 118; 1 or 5 in 119; 5 in 120; 5 in
121; 3, 8-9 in 728
730 G16. Considering just loss and security costs, do payments made by
1
ICPSR 8171 P. 466228 Screen 07 Page 131
store credit cards cost your business more, less, or generally
about the same as the other credit cards you accept for the
typical size transaction?
1. STORE CARDS COST MORE
!-----> 3. SAME
0 in ! 5. STORE CARDS COST LESS
731 !
!-----> 8. DK
!-----> 9. NA
0. Inap, 5 in 116; 5 in 118; 1 or 5 in 119; 5 in 120; 5 in 121
731 G16a. By about what percent are loss and security costs for store
credit cards (higher/lower) than for other credit cards?
Code PERCENT TO ONE DECIMAL (0001-9995)
9998. DON'T KNOW
9999. NA
0000. Inap, 5 in 116; 5 in 118; 1 or 5 in 119; 5 in 120; 5 in
121; 3, 8-9 in 730
732 G17. Considering just loss and security costs do you think payments
made by personal checks would cost your business more, less, or
generally about the same as cash payments for the typical size
transaction?
1. CHECKS COST MORE
3. SAME
5. CHECKS COST LESS
8. DK
9. NA
0. Inap, 5 in 116; 5 in 118; 1 or 5 in 119; 5 in 120; 5 in 121
733 G18. Considering just loss and security costs, would payments made by
store credit cards cost your business more, less or generally
about the same as personal checks for the typical size
transaction?
1. STORE CARDS COST MORE
3. SAME
5. STORE CARDS COST LESS
8. DK
9. NA
0. Inap, 5 in 116; 5 in 118; 1 or 5 in 119; 5 in 120; 5 in 121
1
Page 132 P. 466228 Screen 07 ICPSR 8171
734 G19. On most credit cards other than store cards, the merchant pays a
percentage of each credit card sales slip to the card issuer or
bank. What percentage do you pay on average for the other credit
cards you accept? - PERCENT
Code PERCENT TO ONE DECIMAL (0001-9995)
9996. Nothing
9998. DON'T KNOW
9999. NA
0000. Inap, 5 in 116; 5 in 118; 1 or 5 in 119; 5 in 120; 5 in
121; DOLLARS given
735 G19. DOLLARS
Code number of DOLLARS (0001-9995)
9996. Nothing
9998. DON'T KNOW
9999. NA
0000. Inap, 5 in 116; 5 in 118; 1 or 5 in 119; 5 in 120; 5
in 121; PERCENT given
736 G20. Considering the fees merchants pay on credit card sales, what
is main reason it is worthwhile for your business to accept
these other credit cards?
Use PAYMENT PREFERENCE MASTER CODE EXCEPT:
00. Inap, 5 in 116; 5 in 118; 1 or 5 in 119; 5 in 120; 5 in 121
737 C21. Included in the third category are bank service charges for
deposits, costs to take the deposits to banks, and costs
associated with the delayed receipt of funds.
Considering all deposit and financial costs except credit card
fees, do payments made by store credit cards cost your business
more, less, or generally about the same as cash payments for
the typical size transaction?
1. STORE CARDS COST MORE
!-----> 3. SAME
0 in ! 5. STORE CARDS COST LESS
738 !
!-----> 8. DK
!-----> 9. NA
1
ICPSR 8171 P. 466228 Screen 07 Page 133
0. Inap, 5 in 116; 5 in 118; 1 or 5 in 119; 5 in 120; 5 in 121
738 G21a. By about what percent are deposit and financial costs for store
credit cards (higher/lower) than for cash payments?
Code PERCENT TO ONE DECIMAL (0001-9995)
9998. DON'T KNOW
9999. NA
0000. Inap, 5 in 116; 5 in 118; 1 or 5 in 119; 5 in 120; 5 in
121; 3, 8-9 in 737
739 G22. Considering the deposit and financial costs except credit card
fees, do payments made by other credit cards cost your business more, less,
or generally about the same as cash payments for the typical
size transaction?
1. OTHER CARDS COST MORE
!-----> 3. SAME
0 in ! 5. OTHER CARDS COST LESS
740 !
!-----> 8. DK
!-----> 9. NA
0. Inap, 5 in 116; 5 in 118; 1 or 5 in 119; 5 in 120; 5 in 121
740 G22a. By about what percent are deposit and financial costs for other
credit cards (higher/lower) than for cash payments?
Code PERCENT TO ONE DECIMAL (0001-9995)
9998. DON'T KNOW
9999. NA
0000. Inap, 5 in 116; 5 in 118; 1 or 5 in 119; 5 in 120; 5 in
121; 3, 8-9 in 739
741 G23. Again, considering the deposit costs except credit card fees, do
payments made by store credit cards cost your business more,
less, or generally about the same as other credit cards you
accept for the typical size transaction?
1. STORE CARDS COST MORE
!-----> 3. SAME
0 in ! 5. STORE CARDS COST LESS
742 !
!-----> 8. DK
!-----> 9. NA
0. Inap, 5 in 116; 5 in 118; 1 or 5 in 119; 5 in 120; 5 in 121
1
Page 134 P. 466228 Screen 07 ICPSR 8171
742 G23a. By about what percent are deposit and financial costs for store
credit cards (higher/lower) than for the other credit cards?
Code PERCENT TO ONE DECIMAL (0001-9995)
9998. DON'T KNOW
9999. NA
0000. Inap, 5 in 116; 5 in 118; 1 or 5 in 119; 5 in 120; 5 in
121; 3, 8-9 in 741
743 G24. Considering the deposit and financial costs do you think
payments made by personal checks would cost your business more,
less, or generally about the same as cash payments for the
typical size transaction?
1. CHECKS COST MORE
3. SAME
5. CHECKS COST LESS
8. DK
9. NA
0. Inap,