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The overall amount of credit card debt dropped 8.8 percent in 2009 and 7.6 percent in 2010, before leveling out in subsequent years, according to the Federal Reserve.

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The poll also found Americans less willing to talk about their debt than they were five years ago, when the recession was just beginning to take shape.

Participants were asked, "how likely you would be to talk openly to someone you've just met about this topic? They were asked to say whether they were very likely, somewhat likely, somewhat unlikely, or very unlikely to discuss a topic.

Combining the "somewhat unlikely" and "very unlikely" responses, these are most-taboo topics: Debt perceived as personal failure Larry Compeau, professor of consumer behavior at Clarkson University in Potsdam, N.

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"It's easier to open up when you know that everybody else is in the same boat," says Bruce Mc Clary, spokesman for Clear Point Credit Counseling Solutions, a nonprofit consumer credit counseling service.

"Now, we've got people coming in who talk about how their relatives and friends and neighbors are going back to work and are back on their feet, and they're wondering, 'What's wrong with me?

In the Credit poll, conducted March 28-30 by Gf K Roper Public Affairs and Corporate Communications, 34 percent of respondents said they carry a balance, and 15 percent reported not having any credit cards.

The telephone poll included a representative sample of 1,005 American adults (see poll methodology), and had a margin of error of plus or minus 3 percentage points.

"In my experience, young people today will discuss anything," he said. The concept of privacy as I know it as a baby boomer, the notion that there is a private self and a core of information that's not disclosed, really doesn't exist anymore." In addition, Solomon notes, many Americans age 18 to 24 have never known what it's like to not be in debt, and most of their peers are also in debt.

A January 2013 Ohio State University study found that young people are racking up debt at a much higher rate than older generations, and they're also paying it off more slowly.

'" Younger people more open The poll found that the older you are, the more reluctant you may be to talk about your credit card debt.

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