Answer:  33%

From KQED:

According to the National Federation for Credit Counseling, only about one household in three now carries credit-card debt over from month to month. That’s a drop from 2009, the peak of the recession, when 44 percent of households carried credit card debt.

“I’m seeing clients with fewer credit cards,” says Tricia Lawrence, a veteran counselor for ClearPoint, a nonprofit counseling agency. From her cubicle in downtown Atlanta she’s helped thousands of people improve their credit scores.

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Check out the NGPF activity on Analyzing Credit Card Agreements

About the Author

Tim Ranzetta

Tim's saving habits started at seven when a neighbor with a broken hip gave him a dog walking job. Her recovery, which took almost a year, resulted in Tim getting to know the bank tellers quite well (and accumulating a savings account balance of over $300!). His recent entrepreneurial adventures have included driving a shredding truck, analyzing executive compensation packages for Fortune 500 companies and helping families make better college financing decisions. After volunteering in 2010 to create and teach a personal finance program at Eastside College Prep in East Palo Alto, Tim saw firsthand the impact of an engaging and activity-based curriculum, which inspired him to start a new non-profit, Next Gen Personal Finance.