Nearly a fifth of consumers who responded to an online poll said carrying credit card debt from month to month is a responsible way to manage his or her finances, according to the National Foundation for Credit Counseling.

The poll was posted to the NFCC’s website,, from July 1 to July 31, and 1,630 people responded. The self-selective nature of this poll implies that it is not meant to be a complete picture of consumer opinion, but the results deserve some attention.

Using credit cards helps to build a consumer’s credit and financial history, but they can make it easy to overspend. Carrying a balance means paying more for purchases in the long run, so card users should aim to minimize such debt. But 18% of the poll respondents think it’s a good strategy to carry debt from month to month.

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