Q. How much of your Christmas spending do you put on your credit cards?
| All or most of it | 23% |
| A bit more than half | 7% |
| About half | 9% |
| A bit less than half | 5% |
| Not much | 17% |
| None of it | 37% |
| Don’t know | 3% |
39% say they will put at least half their Christmas spending on credit cards – and a further 22% will put some spending on their credit cards.
Those most likely to use credit cards for at least half their spending were aged 25-34 (49%) and those least likely to use credit cards for Christmas spending were aged 18-24 (22%). Those on higher incomes were much more likely to use their credit cards for Christmas spending – 54% of those on incomes over $1,600pw said they would put at least half on credit cards compared to only 18% of those on incomes under $600pw.
41% of those who say they are very concerned about their level of credit card debt and 54% of those who are somewhat concerned say they will put at least half their Christmas spending on credit cards.