Turns Out 23% of Americans Have Been Carrying Credit Card Debt for 5 Years

As odd as this might sound, credit cards can be among the most frightening tools in a Penny Hoarder’s life.

I once ranked my fear of these flimsy pieces of plastic right up there with roaches and heights.

Yeah, that’s ridiculous, you say. But I’ve read a few too many surveys and studies that expose the dangers of credit cards to your personal finances.

Including this recent one from CreditCards.com that polled 2,005 Americans.

It revealed that a hefty number of us carry an outstanding credit card balance. These outstanding balances lead to a never-ending “credit-card-debt treadmill,” the site describes. (Think: The crazy 15% to 20% interest rates that come with not paying off a card.)

Here are some numbers that served up a jolt of reality:

  • Approximately 28% of Americans admitted they don’t pay their credit card bill in full each month.
  • Of those, 43% reported they hadn’t fully paid down their credit card in more than two years.
  • Nearly 23% folks have been carrying credit card debt for five or more years. In context, that’s nearly 29 million Americans.

When asked why they carry a balance, 32% of the respondents said they simply needed to cover day-to-day expenses; this was the No. 1 reason.

Other reasons included retail purchases, such as clothing or electronics (16%), medical bills (12%), home repairs (10%), vacation expenses (10%) and car repairs (7%).

How to Pay Off Credit Card Debt

This process will differ for everyone, but there are a few basic steps you can take to getting on track.

1. Take a Deep Breath and See What You Owe

This, perhaps, will be your most difficult step — but it needs to be done.

Take stock of your debt. One of the easiest ways to do this is to pull a free credit report, which will outline all of your accounts, including those credit cards with outstanding balances.

For this, I use Credit Sesame. It’s easy and free, and I can check in at any time to take my financial pulse. Plus, it gives me tailored advice on how to clean up my credit report and, in turn, boost my credit score.

2. Draw Up a Budget

If you don’t already have a monthly budget, now’s the time to sketch one out. (Here’s a seven-step guide.)

Within that budget, factor in some type of payment plan and how much you want to start paying off each month. No matter how slow and steady the plan is, stick to it.

3. Quit Credit Cards

Yes, there are perks to these suckers (like travel points), but if you’re struggling to manage your money or pay off debt, now isn’t the time to be tempted.

Plus, according to last year’s TD Bank “Merry Money Survey” on holiday spending, consumers end up spending less if they pay with cash.

4. Consider Credit Card Debt Consolidation or Refinancing

This might not be the best fit for everyone, but consolidating or refinancing your debt can knock down those insane interest rates and help with your monthly payments.

You’ll want to do some research first.

Start by perusing Credible’s personal loan options. It’s basically a marketplace of consolidating and refinancing options. You don’t have to commit to anything, and it makes comparing interest rates easy.

If you want more tips to pay off credit card debt, this was just the abbreviated version. We’ve got a full guide to the process here.

Carson Kohler (@CarsonKohler) is a junior writer at The Penny Hoarder. After writing this, she’s considering burning her one credit card.

This was originally published on The Penny Hoarder, one of the largest personal finance websites. We help millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. In 2016, Inc. 500 ranked The Penny Hoarder as the No. 1 fastest-growing private media company in the U.S.

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220 thoughts on “Turns Out 23% of Americans Have Been Carrying Credit Card Debt for 5 Years

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  116. Başkent Ankara’mızın güzide semtlerinden biri olan Çayyolu, birçok ilçeye kıyasla daha gelişmiş durumdadır. Ferah ve yaşanabilir sosyal alanlarıyla herkesin yaşamak isteyeceği bir yerleşim alanıdır. Bu nedenle her sektörün olduğu gibi nakliyat sektöründe görev yapan firmalarında buraya olan ilgisi oldukça fazladır.
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  126. bursa nakliyat ve taşımacılık şirketimiz asönsörlü ve kaliteli,hızli, sorunsuz,sigortalı ev taşıması uzman elemanlarımızla yapmaktadır.Eksper elemanımız siz müşterilerimizin ev eşyalarını güvenli bir şekilde taşıma yapmaları için siz müşterilerimizden randevu alarak ev eşyalarının tespitini yapmaktadır.Kaliteli hizmet vermek için tüm imkanlarımızla mudanya evden eve nakliyat şirketi olarak çalışıyoruz.En ufak ev taşımasında zarar ve ziyanda firmamız siz müşterilerimize yardımcı olacaktır.

  127. bursa evden eve nakliyat şirketimiz ev eşya taşıması yapılmadan önce müsterilerden randevu alınarak ev taşıması hakında bilgi verir. bursa evden eve nakliyat firmamız eleman ve eksper elemanları ile ev eşyalarının zarar görmemesi için ambalajlamasını kaliteli malzeme kullanarak yapar. Bu işlemlerden sonra ev esyalarınız guvenli bir şekilde nakil olur

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