<meta property="cq:wcmmode" content="disabled"/><meta property="newsFeedData" content="{&#34;baseUrl&#34;:&#34;/articles/generation-plastic-questionnaire&#34;,&#34;allArticles&#34;:{&#34;currentPageNumber&#34;:1,&#34;lastPageNumber&#34;:29,&#34;articles&#34;:[{&#34;date&#34;:&#34;Mon Apr 27 00:00:00 PDT 2026&#34;,&#34;imagePath&#34;:&#34;/content/dam/cob-corp-acquisition/images/news-press/2026/BrightMoneyThumb.jpg&#34;,&#34;previewDescription&#34;:&#34;Credit One Bank, a leading credit card issuer for over 40 years, announced a strategic partnership with Bright Money&#34;,&#34;title&#34;:&#34;Credit One Bank Partners with Bright Money to Expand Credit Access for Over 1 Million Users&#34;,&#34;pagePath&#34;:&#34;/corporate/about-us/news-press/credit-one-bank-partners-with-bright-money-to-expand-credit-users&#34;,&#34;imageAlt&#34;:&#34;Credit One Bank credit cards offered on the Bright Money platform.&#34;},{&#34;date&#34;:&#34;Tue Apr 21 00:00:00 PDT 2026&#34;,&#34;imagePath&#34;:&#34;/content/dam/cob-corp-acquisition/images/news-press/2026/creditonebank_toastmasters_thumbnail.png&#34;,&#34;previewDescription&#34;:&#34;Toastmasters International, a worldwide nonprofit educational organization, will recognize Credit One Bank with The Corporate Recognition Award&#34;,&#34;title&#34;:&#34;Credit One Bank to Receive Prestigious Toastmasters\u2019 Corporate Recognition Award&#34;,&#34;pagePath&#34;:&#34;/corporate/about-us/news-press/credit-one-bank-to-receive-prestigious-toastmasters-award&#34;,&#34;imageAlt&#34;:&#34;Toastmasters International and Credit One Bank&#34;},{&#34;date&#34;:&#34;Thu Apr 09 00:00:00 PDT 2026&#34;,&#34;imagePath&#34;:&#34;/content/dam/cob-corp-acquisition/images/news-press/2026/CharlestonOpenThumbnail.jpg&#34;,&#34;previewDescription&#34;:&#34;Championship match saw Jessica Pegula defeat Yuliia Starodubtseva, capping off a week of world-class competition on Charleston\u2019s signature green clay at Credit One Stadium&#34;,&#34;title&#34;:&#34;Credit One Charleston Open Wraps up Milestone Year, Marking a New Normal of Equal Pay for Women in Tennis&#34;,&#34;pagePath&#34;:&#34;/corporate/about-us/news-press/credit-one-charleston-open-wraps-up-milestone-year&#34;,&#34;imageAlt&#34;:&#34;A fountain view of Credit One Stadium, with people walking inside. &#34;},{&#34;date&#34;:&#34;Wed Apr 01 00:00:00 PDT 2026&#34;,&#34;imagePath&#34;:&#34;/content/dam/cob-corp-acquisition/images/news-press/2026/260076_AF_SocialAnnouncement_Thumbnail.jpg&#34;,&#34;previewDescription&#34;:&#34;Credit One Bank is the new presenting Top Dog Sponsor of The Animal Foundation\u2019s flagship Best in Show fundraiser as well as a major supporting partner across all their initiatives.&#34;,&#34;title&#34;:&#34;Credit One Bank Announces New Sponsorship of The Animal Foundation, including Top Dog Sponsor of \u201cBest in Show\u201d&#34;,&#34;pagePath&#34;:&#34;/corporate/about-us/news-press/credit-one-bank-announces-sponsorship-of-the-animal-foundation&#34;,&#34;imageAlt&#34;:&#34;Credit One Bank Announces New Sponsorship of The Animal Foundation, including Top Dog Sponsor of \u201cBest in Show\u201d&#34;},{&#34;date&#34;:&#34;Sun Mar 22 17:00:00 PDT 2026&#34;,&#34;imagePath&#34;:&#34;/content/dam/cob-corp-acquisition/images/news-press/2026/260187_WDR_BestTrviCardBanner_WB_Final.jpg&#34;,&#34;subtitle&#34;:&#34;<p>Credit One Bank continues to stand out in the travel rewards space, with the Credit One Bank<sup>®<\/sup> Wander<sup>®<\/sup> American Express<sup>®<\/sup> Card recognized by WalletHub among the best travel credit cards. 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Vimeo&#34;,&#34;title&#34;:&#34;Credit One Bank\u2019s Steve Min Discussed the Credit Knowledge Gap on DISH Network&#34;,&#34;imageAlt&#34;:&#34;DISH \u2013 The Tech Show&#34;}],&#34;pressArticles&#34;:{&#34;baseUrl&#34;:&#34;/articles/generation-plastic-questionnaire&#34;,&#34;currentPageNumber&#34;:1,&#34;lastPageNumber&#34;:24,&#34;articles&#34;:[{&#34;date&#34;:&#34;Mon Apr 27 00:00:00 PDT 2026&#34;,&#34;imagePath&#34;:&#34;/content/dam/cob-corp-acquisition/images/news-press/2026/BrightMoneyThumb.jpg&#34;,&#34;previewDescription&#34;:&#34;Credit One Bank, a leading credit card issuer for over 40 years, announced a strategic partnership with Bright Money&#34;,&#34;title&#34;:&#34;Credit One Bank Partners with Bright Money to Expand Credit Access for Over 1 Million Users&#34;,&#34;pagePath&#34;:&#34;/corporate/about-us/news-press/credit-one-bank-partners-with-bright-money-to-expand-credit-users&#34;,&#34;imageAlt&#34;:&#34;Credit One Bank credit cards offered on the Bright Money platform.&#34;},{&#34;date&#34;:&#34;Tue Apr 21 00:00:00 PDT 2026&#34;,&#34;imagePath&#34;:&#34;/content/dam/cob-corp-acquisition/images/news-press/2026/creditonebank_toastmasters_thumbnail.png&#34;,&#34;previewDescription&#34;:&#34;Toastmasters International, a worldwide nonprofit educational organization, will recognize Credit One Bank with The Corporate Recognition Award&#34;,&#34;title&#34;:&#34;Credit One Bank to Receive Prestigious Toastmasters\u2019 Corporate Recognition Award&#34;,&#34;pagePath&#34;:&#34;/corporate/about-us/news-press/credit-one-bank-to-receive-prestigious-toastmasters-award&#34;,&#34;imageAlt&#34;:&#34;Toastmasters International and Credit One Bank&#34;},{&#34;date&#34;:&#34;Thu Apr 09 00:00:00 PDT 2026&#34;,&#34;imagePath&#34;:&#34;/content/dam/cob-corp-acquisition/images/news-press/2026/CharlestonOpenThumbnail.jpg&#34;,&#34;previewDescription&#34;:&#34;Championship match saw Jessica Pegula defeat Yuliia Starodubtseva, capping off a week of world-class competition on Charleston\u2019s signature green clay at Credit One Stadium&#34;,&#34;title&#34;:&#34;Credit One Charleston Open Wraps up Milestone Year, Marking a New Normal of Equal Pay for Women in Tennis&#34;,&#34;pagePath&#34;:&#34;/corporate/about-us/news-press/credit-one-charleston-open-wraps-up-milestone-year&#34;,&#34;imageAlt&#34;:&#34;A fountain view of Credit One Stadium, with people walking inside. &#34;},{&#34;date&#34;:&#34;Wed Apr 01 00:00:00 PDT 2026&#34;,&#34;imagePath&#34;:&#34;/content/dam/cob-corp-acquisition/images/news-press/2026/260076_AF_SocialAnnouncement_Thumbnail.jpg&#34;,&#34;previewDescription&#34;:&#34;Credit One Bank is the new presenting Top Dog Sponsor of The Animal Foundation\u2019s flagship Best in Show fundraiser as well as a major supporting partner across all their initiatives.&#34;,&#34;title&#34;:&#34;Credit One Bank Announces New Sponsorship of The Animal Foundation, including Top Dog Sponsor of \u201cBest in Show\u201d&#34;,&#34;pagePath&#34;:&#34;/corporate/about-us/news-press/credit-one-bank-announces-sponsorship-of-the-animal-foundation&#34;,&#34;imageAlt&#34;:&#34;Credit One Bank Announces New Sponsorship of The Animal Foundation, including Top Dog Sponsor of \u201cBest in Show\u201d&#34;},{&#34;date&#34;:&#34;Mon Mar 02 00:00:00 PST 2026&#34;,&#34;imagePath&#34;:&#34;/content/dam/cob-corp-acquisition/images/news-press/2026/PartnerWithJenniferHudsonThumbnail.jpg&#34;,&#34;previewDescription&#34;:&#34;In honor of Credit Education Month, Credit One Bank is teaming up with Artist and Entertainment Icon Jennifer Hudson to launch its educational game, Cards on the Table, and raise awareness about credit education. &#34;,&#34;title&#34;:&#34;Credit One Bank Partners with Jennifer Hudson to Launch Its Credit Education Game: Cards on the Table&#34;,&#34;pagePath&#34;:&#34;/corporate/about-us/news-press/credit-one-bank-partners-with-jennifer-hudson&#34;,&#34;imageAlt&#34;:&#34;Woman holding the Credit One Bank Cards on the Table game&#34;}]}}"/>
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Generation Plastic Questionnaire

Screening Question: Which of the following applies to you? (Could potentially use quotas for each generation for equal representation, would increase cost)

  • I currently have at least one personal credit card (not a debit card)

  • I do not currently have a personal credit card (Disqualify)

1. What is your primary reason for using a credit card?

  • Building credit history/score

  • Earning rewards/cash back/points

  • Convenience for everyday spending

  • Safety/fraud protection

  • Financing large purchases over time

  • Emergencies only

  • Other (Please Specify)

2. “How much do you agree or disagree with each statement about credit card strategy?” (Select one per row)

 

Strongly Agree

Somewhat Agree

Somewhat Disagree

Strongly Disagree

Should you use a different credit card strategy based off your age?

 

 

 

 

Should you use a different credit card strategy based off your current situation?

 

 

 

 

3. Which generation do you think has the healthiest relationship with credit cards?

  • Gen Z (18–27)

  • Millennials (28–43)

  • Gen X (44–59)

  • Baby Boomers (60–78)

4. Compared with two years ago, how has your credit card use changed?

  • Increased significantly

  • Increased a small amount

  • About the same

  • Decreased a small amount

  • Decreased significantly

5. Which best describes how you paid your credit card balance in the past 12 months?

  • Paid in full every month

  • Usually paid in full (missed a few)

  • Sometimes carried a balance

  • Usually carried a balance

  • Always carried a balance

6. Carrying a credit card balance month to month creates anxiety for me.

  • Strongly agree

  • Somewhat agree

  • Somewhat disagree

  • Strongly disagree

7. Which best describes how APR factors into your credit card choice?

  • It’s one of the top factors I consider

  • I consider it, but other features usually matter more

  • I consider it only if I expect to carry a balance

  • It doesn’t factor into my decision

8. How appealing are each of the following rewards options for your main credit card? (Select one option per row)

 

Very Appealing

Somewhat Appealing

Somewhat Unappealing

Not at all Appealing

Cash back

 

 

 

 

Points you can transfer to travel partners

 

 

 

 

Co-branded airline/hotel miles

 

 

 

 

Flat-rate cash back on everything (e.g.,2%)

 

 

 

 

Higher cash back in fixed categories (e.g., groceries, gas) with caps

 

 

 

 

Rotating 5% categories that change periodically

 

 

 

 

Buildable/flexible categories that change periodically

 

 

 

 

Travel points with bonus on travel/dining

 

 

 

 

9. Have you ever paid a credit card late fee for a missed payment?

  • Yes — once

  • Yes — 2-3 times

  • Yes — 4-5 times

  • Yes — 6 or more times

  • No — never

10. Which of the following have you personally used AI tools (e.g., ChatGPT, Gemini, Copilot) for? (Select all that apply.)

  • Choosing a credit card

  • Improving my credit score

  • Budgeting or spending analysis

  • Negotiating bills/fees or canceling subscriptions

  • Disputing charges or fraud monitoring

  • Investing/retirement decisions

  • I have not used AI for money decisions, but I’m interested

  • I have not used AI for money decisions and I’m not interested

11. Who do you trust most for credit card advice?

  • Myself

  • Family/friends

  • Bank or credit union representatives

  • Independent comparison/review sites

  • Government/consumer watchdogs

  • Social media influencers

  • AI tools

12. I would be comfortable with my card issuer using AI to adjust my credit limit or APR in real time based on my spending and risk data.

  • Strongly agree

  • Somewhat agree

  • Neither agree nor disagree

  • Somewhat disagree

  • Strongly disagree

13. Credit card companies should market differently to different age groups (e.g., different offers or messaging).

  • Strongly agree

  • Somewhat agree

  • Neither agree nor disagree

  • Somewhat disagree

  • Strongly disagree

14. Which would you choose for your main card?

  • 2% cash back with a higher APR

  • 1% cash back with a lower APR

  • I always pay in full, so APR doesn’t matter to me

15. Before getting a first credit card, should a short financial-literacy course be required?

  • Yes—mandatory for all first-time applicants before approval (with a brief quiz)

  • Yes—mandatory only for applicants under 25

  • Yes—mandatory only for applicants with no credit history

  • Optional, but offer a signup bonus/perk for completing it

  • Optional, with enhanced disclosures replacing a course

  • Waived if the applicant has documented prior coursework (e.g., high school/college personal finance)

  • No—no education requirement

 

Explore key insights from this questionnaire in our detailed article. For more data and survey results, click here.

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