Do you use credit cards?

Do you use credit cards?

Credit cards are like fire. Used right and they're a useful tool, but get it wrong and they burn. So this week, we want to know if you have a credit card and if you do, how much debt – at 0% or otherwise – do you have on it?

Please tell us your credit card balance under the relevant category.

Results

I'm female and aged under 25 (116 votes)
Don't have any credit cards 19 votes (16%)
Have credit card(s) but NEVER use them 1 votes (1%)
Have credit card(s) & ALWAYS fully repay each month 53 votes (46%)
Have credit card(s) but currently don't have debt on them 0 votes (0%)
Have card debt under £1,000 ALL at 0% 13 votes (11%)
Have card debt £1,000+ ALL at 0% 15 votes (13%)
Have card debt under £1,000 & pay interest, haven't recently checked if 0% avail 7 votes (6%)
Have card debt £1,000+ & pay interest, haven't recently checked if 0% avail 2 votes (2%)
Have card debt under £1,000 & pay interest, but can't get new 0% 1 votes (1%)
Have card debt £1,000+ & pay interest, but can't get new 0% 5 votes (4%)
I'm female and aged 25 to 34 (762 votes)
Don't have any credit cards 58 votes (8%)
Have credit card(s) but NEVER use them 13 votes (2%)
Have credit card(s) & ALWAYS fully repay each month 328 votes (43%)
Have credit card(s) but currently don't have debt on them 27 votes (4%)
Have card debt under £1,000 ALL at 0% 48 votes (6%)
Have card debt £1,000+ ALL at 0% 158 votes (21%)
Have card debt under £1,000 & pay interest, haven't recently checked if 0% avail 26 votes (3%)
Have card debt £1,000+ & pay interest, haven't recently checked if 0% avail 41 votes (5%)
Have card debt under £1,000 & pay interest, but can't get new 0% 14 votes (2%)
Have card debt £1,000+ & pay interest, but can't get new 0% 49 votes (6%)
I'm female and aged 35 to 49 (1548 votes)
Don't have any credit cards 73 votes (5%)
Have credit card(s) but NEVER use them 23 votes (1%)
Have credit card(s) & ALWAYS fully repay each month 757 votes (49%)
Have credit card(s) but currently don't have debt on them 67 votes (4%)
Have card debt under £1,000 ALL at 0% 61 votes (4%)
Have card debt £1,000+ ALL at 0% 292 votes (19%)
Have card debt under £1,000 & pay interest, haven't recently checked if 0% avail 37 votes (2%)
Have card debt £1,000+ & pay interest, haven't recently checked if 0% avail 102 votes (7%)
Have card debt under £1,000 & pay interest, but can't get new 0% 13 votes (1%)
Have card debt £1,000+ & pay interest, but can't get new 0% 123 votes (8%)
I'm female and aged 50 to 64 (2016 votes)
Don't have any credit cards 107 votes (5%)
Have credit card(s) but NEVER use them 28 votes (1%)
Have credit card(s) & ALWAYS fully repay each month 1415 votes (70%)
Have credit card(s) but currently don't have debt on them 68 votes (3%)
Have card debt under £1,000 ALL at 0% 43 votes (2%)
Have card debt £1,000+ ALL at 0% 176 votes (9%)
Have card debt under £1,000 & pay interest, haven't recently checked if 0% avail 30 votes (1%)
Have card debt £1,000+ & pay interest, haven't recently checked if 0% avail 60 votes (3%)
Have card debt under £1,000 & pay interest, but can't get new 0% 10 votes (0%)
Have card debt £1,000+ & pay interest, but can't get new 0% 79 votes (4%)
I'm female and aged 65+ (1288 votes)
Don't have any credit cards 33 votes (3%)
Have credit card(s) but NEVER use them 12 votes (1%)
Have credit card(s) & ALWAYS fully repay each month 1120 votes (87%)
Have credit card(s) but currently don't have debt on them 37 votes (3%)
Have card debt under £1,000 ALL at 0% 11 votes (1%)
Have card debt £1,000+ ALL at 0% 44 votes (3%)
Have card debt under £1,000 & pay interest, haven't recently checked if 0% avail 6 votes (0%)
Have card debt £1,000+ & pay interest, haven't recently checked if 0% avail 11 votes (1%)
Have card debt under £1,000 & pay interest, but can't get new 0% 4 votes (0%)
Have card debt £1,000+ & pay interest, but can't get new 0% 10 votes (1%)
I'm male and aged under 25 (194 votes)
Don't have any credit cards 29 votes (15%)
Have credit card(s) but NEVER use them 5 votes (3%)
Have credit card(s) & ALWAYS fully repay each month 105 votes (54%)
Have credit card(s) but currently don't have debt on them 5 votes (3%)
Have card debt under £1,000 ALL at 0% 11 votes (6%)
Have card debt £1,000+ ALL at 0% 27 votes (14%)
Have card debt under £1,000 & pay interest, haven't recently checked if 0% avail 1 votes (1%)
Have card debt £1,000+ & pay interest, haven't recently checked if 0% avail 3 votes (2%)
Have card debt under £1,000 & pay interest, but can't get new 0% 2 votes (1%)
Have card debt £1,000+ & pay interest, but can't get new 0% 6 votes (3%)
I'm male and aged 25 to 34 (785 votes)
Don't have any credit cards 21 votes (3%)
Have credit card(s) but NEVER use them 11 votes (1%)
Have credit card(s) & ALWAYS fully repay each month 403 votes (51%)
Have credit card(s) but currently don't have debt on them 24 votes (3%)
Have card debt under £1,000 ALL at 0% 33 votes (4%)
Have card debt £1,000+ ALL at 0% 213 votes (27%)
Have card debt under £1,000 & pay interest, haven't recently checked if 0% avail 14 votes (2%)
Have card debt £1,000+ & pay interest, haven't recently checked if 0% avail 23 votes (3%)
Have card debt under £1,000 & pay interest, but can't get new 0% 7 votes (1%)
Have card debt £1,000+ & pay interest, but can't get new 0% 36 votes (5%)
I'm male and aged 35 to 49 (905 votes)
Don't have any credit cards 28 votes (3%)
Have credit card(s) but NEVER use them 9 votes (1%)
Have credit card(s) & ALWAYS fully repay each month 485 votes (54%)
Have credit card(s) but currently don't have debt on them 38 votes (4%)
Have card debt under £1,000 ALL at 0% 29 votes (3%)
Have card debt £1,000+ ALL at 0% 218 votes (24%)
Have card debt under £1,000 & pay interest, haven't recently checked if 0% avail 21 votes (2%)
Have card debt £1,000+ & pay interest, haven't recently checked if 0% avail 22 votes (2%)
Have card debt under £1,000 & pay interest, but can't get new 0% 8 votes (1%)
Have card debt £1,000+ & pay interest, but can't get new 0% 47 votes (5%)
I'm male and aged 50 to 64 (1023 votes)
Don't have any credit cards 38 votes (4%)
Have credit card(s) but NEVER use them 10 votes (1%)
Have credit card(s) & ALWAYS fully repay each month 729 votes (71%)
Have credit card(s) but currently don't have debt on them 34 votes (3%)
Have card debt under £1,000 ALL at 0% 21 votes (2%)
Have card debt £1,000+ ALL at 0% 125 votes (12%)
Have card debt under £1,000 & pay interest, haven't recently checked if 0% avail 11 votes (1%)
Have card debt £1,000+ & pay interest, haven't recently checked if 0% avail 25 votes (2%)
Have card debt under £1,000 & pay interest, but can't get new 0% 7 votes (1%)
Have card debt £1,000+ & pay interest, but can't get new 0% 23 votes (2%)
I'm male and aged 65+ (1259 votes)
Don't have any credit cards 35 votes (3%)
Have credit card(s) but NEVER use them 10 votes (1%)
Have credit card(s) & ALWAYS fully repay each month 1080 votes (86%)
Have credit card(s) but currently don't have debt on them 25 votes (2%)
Have card debt under £1,000 ALL at 0% 17 votes (1%)
Have card debt £1,000+ ALL at 0% 65 votes (5%)
Have card debt under £1,000 & pay interest, haven't recently checked if 0% avail 9 votes (1%)
Have card debt £1,000+ & pay interest, haven't recently checked if 0% avail 9 votes (1%)
Have card debt under £1,000 & pay interest, but can't get new 0% 2 votes (0%)
Have card debt £1,000+ & pay interest, but can't get new 0% 7 votes (1%)
I'm agender (or don't wish to disclose my age/gender) (35 votes)
Don't have any credit cards 1 votes (3%)
Have credit card(s) but NEVER use them 2 votes (6%)
Have credit card(s) & ALWAYS fully repay each month 14 votes (40%)
Have credit card(s) but currently don't have debt on them 0 votes (0%)
Have card debt under £1,000 ALL at 0% 2 votes (6%)
Have card debt £1,000+ ALL at 0% 1 votes (3%)
Have card debt under £1,000 & pay interest, haven't recently checked if 0% avail 1 votes (3%)
Have card debt £1,000+ & pay interest, haven't recently checked if 0% avail 3 votes (9%)
Have card debt under £1,000 & pay interest, but can't get new 0% 2 votes (6%)
Have card debt £1,000+ & pay interest, but can't get new 0% 9 votes (26%)

                   9,931 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.