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Survey: Employees less likely to borrow on cards for necessities

One out of five employees (20 percent) borrow on their credit cards to pay for monthly necessities because they can't afford them otherwise, a study by the multinational accounting and professional services company PwC shows. That's the bad news.

The good news in PwC's 2015 Employee Financial Wellness Survey is that the percentage is down from 24 percent three years ago, and Gen Xers are showing the most improvement. In 2013, 33 percent of those ages 34 to 54 had to borrow on their cards for necessities. In this year's study, it's down significantly, to 23 percent.

The survey included 1,700 full-time employees ages 21-72. Age groups were divided thus: Gen Y -- 21-33; Gen X -- 34-54; Baby Boomers -- 55-72. The margin of error was plus or minus 3 percent. The survey was released April 17, 2015.

Study: Employees less likely to borrow on cards for necessities

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Expert Q&A

Credit strategy shifts
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After paying off all card debt, don't slam the door on credit. Use a card occasionally to keep your score up ... See Expert Q&A

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Credit card tip of the day

If you open a 0-percent interest card to make a large purchase, your credit score could drop 10-45 points. But it should rebound within six to 12 months if you pay your bills on time and avoid applying for new credit.

Updated: 05-22-2015