If you are receiving unsolicited phone calls from an entity pretending to be ACCC (a trusted non-profit credit counseling agency), please be assured that ACCC’s policy is NEVER to contact you unless you’ve explicitly requested us to call you. Also be cautious of emails from an unusual or unfamiliar domain. ACCC’s domain extension is @consumercredit.com, and any emails using a different extension should be treated with suspicion.


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ACCC offers debt relief options to individuals and families that are suffering from stress related to credit card debt by providing effective credit counseling, helping to consolidate debt, and advising on debt management.

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Credit Card Use: Responsible Or Out of Control?

The February poll by American Consumer Credit Counseling focused on your credit card use. We wanted to find out if your credit card usage was responsible or out of control. Depending on the usage, credit card debt management can hinder your finances, especially if you use your credit cards for purposes such as emergency expenses. According to the survey results, 18% of the respondents use credit cards for emergencies. 30% of them use their credit cards on impulse buys. Of the respondents carrying 5 or more credit cards, 32% have a monthly income between $1,000 and $2,499. Over one third of these card carriers spend 20% to 25% of their income paying off credit card bills. Check out these and more interesting findings on this month’s infographic.

Here's ACCC's infographic about credit card use.

Here’s ACCC’s infographic about credit card use.

Click here to view full-size PDF.

credit card use

If you’re struggling with credit card debt and are seeking advice, ACCC can help. Schedule a free credit counseling session with us today. 


Dilini is a Marketing Communications & Programs Associate at ACCC. To anyone, managing finances can be a real challenge! Any tips and tricks to help get through this are great! Dilini will share her experiences, tips, and tricks along the way through the Talking Cents blog. Stay tuned!

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