US consumers increasingly use credit cards for basic necessities

A survey of 2,000 U.S. adults carrying at least $10,000 in unsecured debt reveals an increasing reliance on credit cards to cover essential living expenses. Conducted by Atomik Research for Accredited Debt Relief, the data shows that 66% of respondents used credit cards for groceries within the last year.

Other essential costs covered by credit include gas or transportation (47%), utilities (45%), and rent or housing (33%). The findings suggest that credit is transitioning from a tool for emergencies or large purchases into a routine method for managing monthly operational costs. Nearly 30% of respondents report relying on borrowing to get through a typical month, and one-third stated they depend on credit more than they did a year ago.

This trend poses risks of a long-term debt cycle, particularly as unexpected emergencies like medical bills or car repairs add to existing balances. The study also notes a lack of financial cushions, with only 28% of respondents reporting they are able to cover expenses while simultaneously saving.