Question of the Day: How many credit cards does the average Gen Z (14-21 years of age) have?

Feb 01, 2018
Question of the Day, Credit Cards

Answer: 1.44


  1. Do you have/plan to have a credit card before you turn 21? Why or why not?
  2. Do you think it is easier/more difficult to get a credit card when you are young?
  3. What are two major differences between a debit card and a credit card?
  4. What do you think is the ideal number of credit cards to have?

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Behind the numbers (from Experian State of Credit 2017)

The data is consistent with other information showing that consumers – especially young adults — enjoyed greater access to credit cards last year. Gen X, Millennials, and Gen Z all held more card accounts last year, Experian’s data shows


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About the Authors

Danielle Bautista

Danielle is a native of Southern California and a recent graduate from the University of Maine, where she braved the frigid winters—a feat in and of itself—and earned her Bachelor's degree in International Affairs. She has a passion for working with non-profit organizations and serving populations in underprivileged communities. When Danielle isn't writing NGPF blog posts, spearheading various outreach projects, or managing contests and flash surveys, you can find her doing some sort of outdoor activity, learning a new hobby, or cracking what she thinks are witty puns!

Tim Ranzetta

Tim's saving habits started at seven when a neighbor with a broken hip gave him a dog walking job. Her recovery, which took almost a year, resulted in Tim getting to know the bank tellers quite well (and accumulating a savings account balance of over $300!). His recent entrepreneurial adventures have included driving a shredding truck, analyzing executive compensation packages for Fortune 500 companies and helping families make better college financing decisions. After volunteering in 2010 to create and teach a personal finance program at Eastside College Prep in East Palo Alto, Tim saw firsthand the impact of an engaging and activity-based curriculum, which inspired him to start a new non-profit, Next Gen Personal Finance.