B Evidence Grade B Graded accuracy verified by the review judge Safe to Cite Dated

63%

63% -- share of consumers who consider emergency purchases acceptable reason for credit card debt for US consumers (2023)

Name: Share Of Consumers Who Consider Emergency Purchases Acceptable Reason For Credit Card Debt Statistics
Creator: Lighthouse Intelligence
Published: 2026-10-05

2023 · NerdWallet

63% of Americans say emergency purchases are an acceptable reason for going into credit card debt.

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Attribution: NerdWallet View source

Lighthouse Research Team

Last verified: 2026-10-05 · How we verify data →

Source verified Evidence graded

Value

63%

Unit

Percentage

Data Vintage

2023

Entity

US consumers

Geography

Evidence Quality

Strong, reliable evidence

Sourced from a well-regarded research firm or industry leader with transparent methodology and a reasonably large sample.

61/100 confidence

Single source - not yet corroborated

Score breakdown

Extraction

Source Trust

Citation Chain

Independence

Methodology

Freshness

Source

NerdWallet Primary Tier B

https://www.billshark.com/blogs/nearly-half-of-americans-say-they-emotionally-overspend-survey-shows… ↗

Confidence: 53/100 Vintage: 2023 Channel: Common Crawl

Source Article

Half of Americans Say They Emotionally Overspend

Original Research

NerdWallet · Original study ↗

Methodology

NerdWallet consumer survey

Methodology documented

Segmentation

Industrymarketing RegionUS RoleAll marketers Channelcontent

Cite this stat

Plain Text

US consumers: 63% share of consumers who consider emergency purchases acceptable reason for credit card debt. Source: NerdWallet (2023). Via Lighthouse Intelligence -- https://lighthousedata.io/data/emergency-purchases-acceptable-debt-63

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<blockquote cite="https://lighthousedata.io/data/emergency-purchases-acceptable-debt-63" style="border-left:3px solid #2563eb;padding:12px 16px;margin:16px 0;font-family:system-ui,sans-serif;background:#f0f4ff;"><strong>63%</strong> -- share of consumers who consider emergency purchases acceptable reason for credit card debt for US consumers<br><small>Source: NerdWallet (2023) · <a href="https://lighthousedata.io/data/emergency-purchases-acceptable-debt-63" target="_blank" rel="noopener">Lighthouse Intelligence</a></small></blockquote>

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