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welcome to the nerd wallet smart money podcast where we answer your personal finance questions and help you feel a little smarter about what you do with your money. I'm Liz Weston.

And I'm Sean Piles. As always, be sure to send us your money questions, call or text us on the Nerd Hotline at 901-730-6373. That's 901-730 Nerd. Or email us at podcast at nerdwallot.com. We are here to help you. So keep your questions coming. Also, if you want more nerdy goodness delivered to your devices every Monday, hit that subscribe button. And if you like what you hear, please leave us a review. On this episode of the podcast, we're talking with

mortgage nerd Holden Lewis about when it's a good idea to refinance. First, though, in our

this week in your money segment, Sean and I are talking about the psychology of credit card debt.

One of our data journalists, Aaron Alisa, recently released a report that dug into

Americans' attitudes

towards credit cards and credit card debt. Yeah, and some of the background is this was a survey

online commissioned by NerdWallet. It was conducted between July 30th and August 3rd,

and Harris Poll asked 2,033 U.S. adults, where they are in their credit building journey and how they feel about

credit cards and credit card debt. And some of the findings were really interesting. There's a

pretty big split in how Americans view credit cards. A little over half said that they were

helpful, while around a quarter of Americans said that they're dangerous,

and close to one in ten said that credit cards are evil.

Evil. I love that. Evil.

Possessed and evil, these inanimate objects.

Yes.

They're coming. You get you.

...