Fulford, S. L., & Schuh, S. Credit Cards, Credit Utilization, and Consumption.
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Citação norma Chicago
Fulford, Scott L., and Scott Schuh. Credit Cards, Credit Utilization, and Consumption.
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Citação norma MLA
Fulford, Scott L., and Scott Schuh. Credit Cards, Credit Utilization, and Consumption.
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Nota: a formatação da citação pode não corresponder 100% ao definido pela respectiva norma.