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Hi everyone, Sean here. Liz and I are off for the holiday this week, so please enjoy this

episode from our archives. And if any money questions

pop into your head over the long weekend, send them our way. Call or text us on the Nerd

Hotline at 901-7306373. That's 901-730 Nerd. Or email us at podcast atnerdwallet.com.

All right, on to the episode. Welcome to the NerdWallet 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 nerdwollot.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 L. Isa, recently released a report that dug into American's

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

233 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

...