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You indicated that you desired credit in the past 12 months but did not submit a credit application. Was this because you thought that you might be turned down or denied credit?
Did not apply for credit due to fear of denial · Asked in 11 waves, 2015–2025 · 7,530 responses · weighted estimates computed from individual responses
Shares of people who gave an answer. Each column is one wave, evenly spaced rather than to scale in time; hover for exact shares.
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.
| Group | No | Yes | n | MoE | |
|---|---|---|---|---|---|
| All respondents | 41% | 59% | 932 | ±3 | |
| White | 43% | 57% | 460 | ±5 | |
| Black |
| Poll | Field dates | Mode | Respondents | Responses |
|---|---|---|---|---|
| SHED 2025 6 imputed values recoded to -1. | 2025-10-17 to 2025-10-28 | web | 12,934 | 932 |
| SHED 2024 4 imputed values recoded to -1. | 2024-10-18 to 2024-10-31 | web | 12,295 | 795 |
| SHED 2023 6 imputed values recoded to -1. | 2023-10-20 to 2023-11-05 | web | 11,400 | 744 |
| SHED 2022 5 imputed values recoded to -1. | 2022-10-21 to 2022-11-01 | web | 11,667 | 688 |
| SHED 2021 9 imputed values recoded to -1. | 2021-11-01 to 2021-11-30 | web | 11,874 | 677 |
| SHED 2020 | 2020-11-01 to 2020-11-30 | web | 11,648 | 701 |
| SHED 2019 | 2019-10-01 to 2019-10-31 | web | 12,173 | 725 |
| SHED 2018 | 2018-10-01 to 2018-11-30 | web | 11,316 | 663 |
| SHED 2017 |
| 39% |
| 61% |
| 210 |
| ±7 |
| Hispanic | 41% | 59% | 191 | ±7 |
| Asian † | 49% | 51% | 36 | ±18 |
| Other † | 27% | 73% | 35 | ±18 |
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 |
| 754 |
| SHED 2016 | 2016-10-01 to 2016-10-31 | web | 6,610 | 419 |
| SHED 2015 | 2015-10-01 to 2015-11-30 | web | 5,642 | 432 |