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It's important to get your payments in well before the due date to prevent having to pay late fees and damaging your credit.

If you're planning on sending your payments by mail, remember that the credit card issuer will determine whether or not a payment is on time by the date they receive the payment, not the date it was in your mailbox.

About 85 percent of Americans said they are reluctant to chat about their credit card debt with someone they first met, compared to 80 percent who gave the same answer in an identical poll conducted in 2008.

"Before the recession, consumers were encouraged to carry debt, and spending was seen almost as a patriotic thing to do to stimulate the economy," said Michael Solomon, professor of marketing and director of the Center for Consumer Research at Saint Joseph's University in Philadelphia. Credit card debt isn't as accepted now; it carries more of a stigma." The recession, which began at the end of 2008, saw consumers sharply curtail credit card spending.

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