Most Americans agree, credit cards tempt them to buy more.  83% of adults said that credit cards tempt people to buy things they can’t afford according to a Rasmussen reports national telephone survey.  8% disagreed with this and another 9% were not so sure.

The results that the telephone survey found are similar to the results found last holiday shopping season.

20% of adults say they don’t have credit cards, down 5 points from last year. 23% say they have only one credit card, while another 19% say they have two. Just over one year ago, 34% reported having either one or two credit cards.

36% of adults report having at least three credit cards, and 18% say they have more than three. At the end of last year, 38% said they had at least three cards.

82% woman compared to 73% men report having at least one credit card. 1/4 men do not have credit cards.

Americans may be opting to hold fewer credit cards these days since 50% say interest rates on their cards have been raised in the past six months, as Congress seeks to limit the ability of banks to raise those rates.

24% of Americans also say they need to cut back on using their credit cards.

57% of Americans say there is a need for better government oversight of the credit card industry.