Among the 60% of American cardholders who do not pay off their credit card balance each month, nearly half made just the minimum payment due last month. This means that about one out of four cardholders in the USA now make minimum payments. According to a recent survey conducted by International Communications Research for the Cambridge Consumer Credit Index, about 37% of Americans who couldn’t pay off their balances paid less than half the balance outstanding, and 13% of consumers with an outstanding balance could afford to pay more than half the balance last month. The findings are the result of monthly nationwide telephone poll of 1000+ adults. ICR says in February, 32% of consumers had taken on more debt while 68% had paid off debt. In March, 15% plan to take on more debt, with 3% planning to take on a lot and 11% planning to take on a little debt.