A new survey has found that 10% of Americans are taking out more cash advances on their credit cards than in the past. The research also showed cardholders are struggling under a burden of high balances. The survey conducted for Standard & Poor’s found one in five individuals surveyed indicate they are “sometimes” (14%) or “always” (6%) unable to pay their credit card and/or loan(s) balances each month. An additional 8% can only make minimum payment required and another 8% either always or sometimes pay less than the minimum. In terms of the dollar value of balances carried by credit card users, 22% have between $5,000 and $20,000 in credit card debt, while 3% have more than $40,000 in credit card debt. When looking at their debt as a percentage of their available credit, 25% are at or near the maximum limit of their primary card with an additional 20% are at or near the limit of their secondary card. Additionally, 35% of respondents said their mortgage was the bill they would pay first while 26% of those surveyed said it was their credit cards.