[n4r9]

Hard to interpret this. It either shows that 55% do not have enough money to pay the expense, or that 82% may well have the money but 37% would prefer to pay it off after their next paycheck anyway.

[CalRobert]

I've seen people interpret "would use a credit card" as a sign something is wrong but for me it just means I like getting cashback.

Though to me it looks pretty dire - having to sell something, borrow from family/friends, etc. for 400 bucks is pretty terrible.

[xvector]

No, it's 35%. Credit card usage is fine if you can pay off the card.

[oblio]

The ones that can pay immediately, ok. But paying it over time for $400 is pretty much a sign of hardship.

[n4r9]

What about the 45% who would just pay it off with cash/savings?