4 ms·No, it's 35%. Credit card usage is fine if you can pay off the card.by xvector 2y agoNo, it's 35%. Credit card usage is fine if you can pay off the card.n4r9 2y agoWhat about the 45% who would just pay it off with cash/savings?oblio 2y agoThe ones that can pay immediately, ok. But paying it over time for $400 is pretty much a sign of hardship.