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Take this test in the privacy of your own home... Nobody will know the results, but you.

Select the answer that best describes your situation in each question below. When you're finished, click Add Up My Points.
What percent of your monthly take home pay do your credit card payments represent? Score:
Under 10%
1
10 - 25%
2
25 - 50%
5
Over 50%
7
How have you paid your bills over the last three months? Score:
Mostly
on-time
1
Sometimes
late
2
Usually 30
days late
5
Over 30
days late
7
How often do you take cash advances from one of your credit cards to make payments on another? Score:
Never
1
Rarely
2
Sometimes
3
Always
10
How often do you pay for groceries by credit card because you are short on cash? Score:
Never
1
Rarely
2
Sometimes
4
Always
6
How much do you pay on your credit card balances each month? Score:
Normally,
the entire
balance
1
Usually,
half the
balances
2
Approx.
25-33% of
balances
3
Usually,
Minimum
Payment
4
How important to you is your credit history and lines of credit? Score:
Extremely
Important
1
Very
Important
2
Somewhat
Important
3
Not
Important
4
Bonus Points: Add one point for each YES answer Score:
Do you hide credit card purchases from your spouse or family members? 1
Do you neglect to keep accurate records of your credit card transactions? 1
Do you spend more than what you can afford because you expect your income to rise? 1
Would it be difficult for you to make ends meet without having credit. 1

To Find Out What Your Score Means, Click HERE

This chart is for your information only. It is intended to educate you about the importance of maintaining your credit and to alert you to some of the early warning signs of being overextended.

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CREDIT INTERCHANGE OF AMERICA, INC.
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