id	keyword
hassl-3515	credit
hassl-3515	self
hassl-3515	card
hassl-3515	credit card
hassl-3515	control
hassl-3515	bank
hassl-3515	esteem
hassl-3515	study
hassl-3515	utilization
hassl-3515	literacy
hassl-3515	et al
hassl-3515	ccu
hassl-3515	journal
hassl-3515	research