This series reports the share of U.S. adults who carry more credit card debt than emergency savings. This survey is typically polled in January or February. Current observation as of January 3rd, 2025.
Bankrate has been tracking consumer opinion on financial topics since 2011. Surveys were initially conducted by Princeton Survey Research Associates International (PSRAI), later by YouGov Plc. and SSRS. Data are collected via telephone (landline/cell) and web surveys, with demographic weighting to ensure representativeness. Margins of error generally range between 2–4 percentage points. Polling Dates:
February 03, 2011 – February 06, 2011
February 02, 2012 – February 05, 2012
February 07, 2013 – February 10, 2013
February 06, 2014 – February 09, 2014
February 05, 2015 – February 08, 2015
February 04, 2016 – February 07, 2016
February 02, 2017 – February 05, 2017
February 07, 2018 – February 11, 2018
January 29, 2019 – February 03, 2019
January 21, 2020 – January 26, 2020
January 19, 2021 – January 24, 2021
January 18, 2022 – January 24, 2022
January 20, 2023 – January 23, 2023
January 19, 2024 – January 21, 2024
January 03, 2025 – January 05, 2025
Copyright Bankrate, LLC. Bankrate Do you have more credit card debt or emergency savings? (https://www.bankrate.com/data-center/credit-card-debt-vs-emergency-savings/)
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2026-01-21
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2026-01-21
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