Do you use credit cards?

6 October 2019

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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.

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.