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Did you know that 2 out of 10 Americans are using their credit cards to pay for basic necessities? According to an article published on CreditCards.com, 20% of employees who participated in the 2015 Employee Financial Wellness Survey have admitted to this. While the study showed that this already decreased compared to the results from previous surveys (33%), it is still a number that is worth noting. The survey revealed that 33% of employees are still having a difficult time meeting their household expenses. 47% are still carrying a balance on their cards to the next month - making them pay for the high interest rate. 26% of those carrying a balance on their cards have a hard time meeting the minimum payment of their credit accounts. All of these statistics are lower compared to previous surveys - meaning things have improved for a lot of employees. However, you cannot ignore the fact that there is still a big percentage of people who are struggling with their credit cards. This is because they are using their cards to pay for their basic necessities. But is it really correct to assume that those who use their card to pay for their debt is someone who is not a smart credit card user? That is not entirely true. Sometimes, there is a good side to using your cards. In fact, there are a couple of instances when it is okay to use credit cards for basic necessities.