No, People Don’t Get Buried In Credit Card Debt Because They’re Bad With Money

[Gormy Cuss]

3. Yes, the title and opening paragraph do not make clear WHICH people were the target of the analysis

What differentiates households that accumulate and carry balances on their credit cards from those that don’t have debt? Building on a national survey of 1,997 households, this study examines two groups of working age low- and middle-income households that are statistically indistinguishable in terms of income, racial and ethnic background, age, marital status and rate of homeownership—yet one group carries credit card debt, while the other has credit cards but no debt.

The lens was focused on low and middle income households only and the analysis was comparative of this subset only. The income parameters were households between 50 and 120% of the local median.