1 in 3 consumers fear they will max out a credit card

More than one-third, or 37%, also said they have already maxed out their credit card and 14% said they have maxed it out more than once. WalletHub polled more than 700 people in January.

Still, most Americans continue to take on ever-increasing amounts of debt. According to data from the Federal Reserve, the U.S. surpassed $1 trillion in credit card debt — the highest level since the Great Recession.