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<xml><bibliography><APA>Niwarn Ponpunthin และ Tatre Jantarakolica. (2017) Do Thai Credit Card Consumers Have SelfControl?. &lt;i&gt;Thammasat Review of Economic and Social Policy&lt;/i&gt;, &lt;i&gt;3&lt;/i&gt;(2), 52-96.</APA><Chicago>Niwarn Ponpunthin และ Tatre Jantarakolica. "Do Thai Credit Card Consumers Have SelfControl?". Thammasat Review of Economic and Social Policy  3 (2017):52-96.</Chicago><MLA>Niwarn Ponpunthin และ Tatre Jantarakolica. Do Thai Credit Card Consumers Have SelfControl?. Thammasat University:ม.ป.ท. 2017.</MLA></bibliography></xml>
