CFPB Releases Study on Consumer Credit Card Behavior July 08, 2019 The Consumer Financial Protection Bureau’s Office of Research has released a study on consumer credit card payment behavior. The study examines whether consumer pay off their balances monthly, retain a balance from one month to the next, keep an inactive credit card, or transition between any of the aforementioned states. The study breaks down the information by credit score band and geographically. In reviewing the behavior of consumer with respect to their credit card debt, the study overlooks the benefits that consumers derive from traditional installment loans for debt consolidation. Such loans can help consumer completely pay off credit card or other debt in a stable and predictable manner.