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In the past 12 months, how frequently have you carried an unpaid balance on one or more of your credit cards?
Frequency of carrying unpaid credit card balance · Asked in 11 waves, 2015–2025 · 101,283 responses · weighted estimates computed from individual responses
Version of C4A first asked in 2015: wording or answer options differ from shed:C4A.
Shares of people who gave an answer. Each column is one wave, evenly spaced rather than to scale in time; hover for exact shares.
| Group | Never carried an unpaid balance (always pay in full) | Once | Some of the time | Most or all of the time | n | MoE | |
|---|---|---|---|---|---|---|---|
| All respondents |
| Poll | Field dates | Mode | Respondents | Responses |
|---|---|---|---|---|
| SHED 2025 43 imputed values recoded to -1. | 2025-10-17 to 2025-10-28 | web | 12,934 | 10,766 |
| SHED 2024 35 imputed values recoded to -1. | 2024-10-18 to 2024-10-31 | web | 12,295 | 10,355 |
| SHED 2023 25 imputed values recoded to -1. | 2023-10-20 to 2023-11-05 | web | 11,400 | 9,633 |
| SHED 2022 18 imputed values recoded to -1. | 2022-10-21 to 2022-11-01 | web | 11,667 | 10,005 |
| SHED 2021 31 imputed values recoded to -1. | 2021-11-01 to 2021-11-30 | web | 11,874 | 10,350 |
| SHED 2020 | 2020-11-01 to 2020-11-30 | web | 11,648 | 10,043 |
| SHED 2019 | 2019-10-01 to 2019-10-31 | web | 12,173 | 10,461 |
| SHED 2018 | 2018-10-01 to 2018-11-30 | web | 11,316 | 9,400 |
| SHED 2017 |
Shares of people who gave an answer. A group’s column is left blank in waves where its effective sample is under 50; hover for exact shares.
| 55% |
| 5% |
| 18% |
| 22% |
| 10766 |
| ±1 |
| 18–29 | 54% | 8% | 20% | 18% | 1398 | ±3 |
| 30–44 | 50% | 5% | 18% | 27% | 2359 | ±2 |
| 45–64 | 50% | 5% | 20% | 25% | 3639 | ±2 |
| 65+ | 66% | 4% | 14% | 15% | 3370 | ±2 |
SHED 2025 · US adults 18+. Shares of people who gave an answer. n is unweighted; ± is the 95% margin of error at 50% from the weighted effective sample. Groups with an effective sample under 50 are grayed; under 20, hidden.
| 2017-11-01 to 2017-12-31 |
| web |
| 12,187 |
| 10,463 |
| SHED 2016 | 2016-10-01 to 2016-10-31 | web | 6,610 | 5,388 |
| SHED 2015 | 2015-10-01 to 2015-11-30 | web | 5,642 | 4,419 |