Which of the following best summarizes how the use of a credit card for purchases instead of cash can change one’s spending behavior? Spending behavior does not matter as long as you pay off the credit card balance each month. Studies show that there is no change in spending behavior whether a person uses cash or credit. People typically spend less when they know that they are earning credit card ʺrewards.ʺ Studies show that consumers typically spend more when using credit as opposed to cash purchases.