Survey: Consumer Opinions on Credit Cards (2026)
1. How often do you use a credit card?
- Daily
- Several times per week
- A few times per month
- Rarely
- Never
2. What do you mainly use credit cards for?
- Everyday purchases
- Online shopping
- Travel expenses
- Emergencies
- I do not regularly use credit cards
3. Do you usually pay your credit card balance in full each month?
- Always
- Most of the time
- Sometimes
- Rarely
- Never
4. How important are rewards when choosing a credit card?
- Very important
- Somewhat important
- Neutral
- Not very important
- Not important at all
5. Which reward type do you prefer most?
- Cash back
- Travel points or miles
- Store-specific rewards
- Introductory bonuses
- I don’t care about rewards
6. How easy are credit card rewards programs to understand?
- Very easy
- Somewhat easy
- Neutral
- Somewhat confusing
- Very confusing
7. How concerned are you about credit card interest rates?
- Very concerned
- Somewhat concerned
- Neutral
- Slightly concerned
- Not concerned at all
8. Have rising interest rates changed how you use credit cards?
- Yes, a lot
- Yes, a little
- Not sure
- No, not really
- No impact at all
9. How confident are you in managing credit card debt?
- Very confident
- Somewhat confident
- Neutral
- Somewhat unconfident
- Very unconfident
10. How clear do you find credit card terms and fees?
- Very clear
- Somewhat clear
- Neutral
- Somewhat unclear
- Very unclear
11. How much do you trust credit card companies overall?
- A great deal
- Somewhat
- Neutral
- Very little
- Not at all
12. What most affects your trust in a credit card company?
- Personal experience
- Company reputation
- Customer service
- Security and fraud protection
- I generally don’t trust credit card companies
13. How concerned are you about credit card data security?
- Very concerned
- Somewhat concerned
- Neutral
- Slightly concerned
- Not concerned at all
14. Have you ever had unauthorized charges on a credit card?
- Yes
- No
- Not sure
15. How satisfied are you with credit card fraud protection?
- Very satisfied
- Somewhat satisfied
- Neutral
- Somewhat dissatisfied
- Very dissatisfied
16. How important is customer service when choosing a credit card?
- Very important
- Somewhat important
- Neutral
- Not very important
- Not important at all
17. Which do you prefer for credit cards?
- Traditional banks
- Online-first financial companies
- No preference
- Not sure
18. How likely are you to switch credit cards for better benefits?
- Very likely
- Somewhat likely
- Neutral
- Unlikely
- Very unlikely
19. How many credit cards do you currently have?
- One
- Two to three
- Four to five
- More than five
- None
20. Overall, do credit cards help or hurt your finances?
- Help a lot
- Help somewhat
- No real impact
- Hurt somewhat
- Hurt a lot
21. How confident are you that credit card companies act in your best interest?
- Very confident
- Somewhat confident
- Neutral
- Not very confident
- Not confident at all
22. Do you usually compare multiple credit cards before applying?
- Always
- Often
- Sometimes
- Rarely
- Never
23. How clear do you find credit card advertising?
- Very clear
- Somewhat clear
- Neutral
- Somewhat misleading
- Very misleading
24. How likely are you to recommend your main credit card to others?
- Very likely
- Somewhat likely
- Neutral
- Unlikely
- Very unlikely
25. Overall, how satisfied are you with credit cards as a financial tool?
- Very satisfied
- Somewhat satisfied
- Neutral
- Somewhat dissatisfied
- Very dissatisfied