@article{matcham_2026_rbbl,
  author  = {William Matcham},
  title   = {Risk-Based Borrowing Limits in Credit Card Markets},
  journal = {SSRN Working Paper},
  year    = {2026},
  note = {{\newline \texttt{http://dx.doi.org/10.2139/ssrn.4926974}}}
}