Do you have credit cards and how do you use them?

2 January 2017

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It’s the New Year, and the time when most debt problems are at their worst. This week we want to focus on plastic, meaning credit (and store) cards, and are interested to know how you use them. Which of these is closest to your credit card situation?

It’s the New Year, and the time when most debt problems are at their worst. This week we want to focus on plastic, meaning credit (and store) cards, and are interested to know how you use them.

Which of these is closest to your credit card situation?

Results

I'm female and aged under 25 (254 votes)

I don’t have any credit cards		60 votes (24%)
I have a credit card/cards but never use it/them		14 votes (6%)
I have a credit card/cards but always repay it/them in full each month		108 votes (43%)
I have a credit card/cards and mostly repay it/them in full each month		25 votes (10%)
I have a credit card/cards and rarely repay it/them in full each month		18 votes (7%)
I have a credit card/cards and never repay it/them in full each month		29 votes (11%)

I'm female and aged 25 to 34 (1455 votes)

I don’t have any credit cards		117 votes (8%)
I have a credit card/cards but never use it/them		68 votes (5%)
I have a credit card/cards but always repay it/them in full each month		716 votes (49%)
I have a credit card/cards and mostly repay it/them in full each month		210 votes (14%)
I have a credit card/cards and rarely repay it/them in full each month		116 votes (8%)
I have a credit card/cards and never repay it/them in full each month		228 votes (16%)

I'm female and aged 35 to 49 (2656 votes)

I don’t have any credit cards		153 votes (6%)
I have a credit card/cards but never use it/them		97 votes (4%)
I have a credit card/cards but always repay it/them in full each month		1607 votes (61%)
I have a credit card/cards and mostly repay it/them in full each month		226 votes (9%)
I have a credit card/cards and rarely repay it/them in full each month		185 votes (7%)
I have a credit card/cards and never repay it/them in full each month		388 votes (15%)

I'm female and aged 50 to 64 (3137 votes)

I don’t have any credit cards		113 votes (4%)
I have a credit card/cards but never use it/them		63 votes (2%)
I have a credit card/cards but always repay it/them in full each month		2506 votes (80%)
I have a credit card/cards and mostly repay it/them in full each month		168 votes (5%)
I have a credit card/cards and rarely repay it/them in full each month		99 votes (3%)
I have a credit card/cards and never repay it/them in full each month		188 votes (6%)

I'm female and aged 65+ (1433 votes)

I don’t have any credit cards		29 votes (2%)
I have a credit card/cards but never use it/them		15 votes (1%)
I have a credit card/cards but always repay it/them in full each month		1284 votes (90%)
I have a credit card/cards and mostly repay it/them in full each month		54 votes (4%)
I have a credit card/cards and rarely repay it/them in full each month		22 votes (2%)
I have a credit card/cards and never repay it/them in full each month		29 votes (2%)

I'm male and aged under 25 (271 votes)

I don’t have any credit cards		42 votes (15%)
I have a credit card/cards but never use it/them		14 votes (5%)
I have a credit card/cards but always repay it/them in full each month		154 votes (57%)
I have a credit card/cards and mostly repay it/them in full each month		19 votes (7%)
I have a credit card/cards and rarely repay it/them in full each month		18 votes (7%)
I have a credit card/cards and never repay it/them in full each month		24 votes (9%)

I'm male and aged 25 to 34 (1171 votes)

I don’t have any credit cards		73 votes (6%)
I have a credit card/cards but never use it/them		34 votes (3%)
I have a credit card/cards but always repay it/them in full each month		713 votes (61%)
I have a credit card/cards and mostly repay it/them in full each month		132 votes (11%)
I have a credit card/cards and rarely repay it/them in full each month		94 votes (8%)
I have a credit card/cards and never repay it/them in full each month		125 votes (11%)

I'm male and aged 35 to 49 (1515 votes)

I don’t have any credit cards		68 votes (4%)
I have a credit card/cards but never use it/them		34 votes (2%)
I have a credit card/cards but always repay it/them in full each month		1019 votes (67%)
I have a credit card/cards and mostly repay it/them in full each month		150 votes (10%)
I have a credit card/cards and rarely repay it/them in full each month		82 votes (5%)
I have a credit card/cards and never repay it/them in full each month		162 votes (11%)

I'm male and aged 50 to 64 (1638 votes)

I don’t have any credit cards		63 votes (4%)
I have a credit card/cards but never use it/them		30 votes (2%)
I have a credit card/cards but always repay it/them in full each month		1331 votes (81%)
I have a credit card/cards and mostly repay it/them in full each month		97 votes (6%)
I have a credit card/cards and rarely repay it/them in full each month		37 votes (2%)
I have a credit card/cards and never repay it/them in full each month		80 votes (5%)

I'm male and aged 65+ (1529 votes)

I don’t have any credit cards		35 votes (2%)
I have a credit card/cards but never use it/them		29 votes (2%)
I have a credit card/cards but always repay it/them in full each month		1372 votes (90%)
I have a credit card/cards and mostly repay it/them in full each month		44 votes (3%)
I have a credit card/cards and rarely repay it/them in full each month		19 votes (1%)
I have a credit card/cards and never repay it/them in full each month		30 votes (2%)

                   15,059 votes received.

We try to use technology to limit voting to one per person. Occasionally, this may erroneously block a few people's votes (eg, from shared offices). Apologies for that.