Nearly 3 in 5 (59%) 2018 holiday shoppers incurred some credit card debt during the 2018 holiday season, and 35% of those who did say they’re still working to get it paid off, according to the survey. That’s 48 million Americans still paying off credit card debt from the 2018 holiday season. Last year, when we asked the same question, 28% of 2017 holiday shoppers were still paying off debt from the 2017 holiday season.