DATA IN DETAIL FULL QUESTION TEXT FOR ANSWER CHOICES THAT WERE ABBREVIATED IN THE REPORT Q35. How much do you agree or disagree with the following when I know that employees there actually working there statements about credit card companies? Please select one understand and can relate to my financial situation • When personal insurance companies use credit response for each. and experiences with money scores to determine insurance premiums, it • I feel that my credit card company really cares • I frequently do not understand the terms and introduces bias and discrimination into their pricing about me phrases used by credit card companies • I have felt that an employee at a personal • The communications I receive from credit card • I am willing to travel (drive, take a bus, etc.) further insurance company has talked down to me companies lack empathy or cultural sensitivity distances or go out of my way to get to a credit • I think there is systemic bias and discrimination • I feel I could go to a credit card company if I card company that I have a good relationship with towards certain groups of people within the needed reliable advice Q36. How much do you agree or disagree with the following personal insurance industry • I feel as though employees at credit card statements about personal insurance (life/health/property) • I am more likely to trust a personal insurance companies have treated me differently due to what companies? Please select one response for each. company when I know that employees there I look like • I feel that my personal insurance company really actually understand and can relate to my financial • I feel I need to change my behavior or appearance cares about me situation and experiences with money when interacting with my credit card company • The communications I receive from personal • I frequently do not understand the terms and • I am more likely to work with a credit card company insurance companies lack empathy or cultural phrases used by personal insurance companies when I see people who look like me working there sensitivity • I am willing to travel (drive, take a bus, etc.) further • I have felt that an employee at a credit card • I feel I could go to a personal insurance company if distances or go out of my way to get to a personal company has talked down to me I had questions or needed reliable advice insurance company that I have a good relationship • I feel as though employees at personal insurance with • I feel that the factors that credit card companies companies have treated me differently due to what use to determine credit worthiness are biased I look like against various groups • I think there is systemic bias and discrimination • I feel I need to change my behavior or appearance towards certain groups of people within the credit when interacting with my personal insurance card industry company • I am more likely to trust a credit card company • I am more likely to work with a personal insurance company when I see people who look like me 37 2021 Edelman Money in Color Special Report