Would you date someone with credit card debt? Here's what Americans say

LOS ANGELES - Would you date someone with thousands of dollars in credit card debt? For some Americans, the answer is a hard no.

A new survey from NerdWallet asked Americans how much debt they’d tolerate in a romantic relationship, and the results show that money matters when it comes to dating. While most Americans (90%) say they would date someone with credit card debt, many set a limit on how much they’re willing to accept.

For some, it’s not just the amount that matters—financial responsibility and honesty play a major role. Lying about debt, for example, is a bigger dealbreaker than having it.

How much debt is too much?

By the numbers:

The survey asked over 2,000 U.S. adults how they feel about debt in relationships. While most Americans (90%) would date someone with credit card debt, they have limits on how much is too much.

• On average, $20,711 in credit card debt is a dealbreaker in relationships.
• The median "dealbreaker" amount is just $1,000, meaning many people prefer minimal debt.
• 39% of respondents say they don’t care how much debt their partner has.

Generational differences also play a role. Younger Americans are more likely to reject dating someone with debt:

• Gen Z (ages 18-27): 15%
• Millennials (ages 28-43): 13%
• Gen X (ages 44-59): 7%
• Baby Boomers (ages 60-78): 6%

Sara Rathner, a NerdWallet credit cards expert, says financial responsibility isn’t just about dating—it's about personal stability. "Knowing how to handle your finances shows other people that you’re more capable of being a true life partner," Rathner said.

FILE - An illustration photo shows a display of credit cards.  (Photo by FREDERIC J. BROWN/AFP via Getty Images)

Honesty about debt is key

The other side:

A person's approach to debt matters more than the amount they owe. According to the survey:

• 67% of Americans wouldn’t continue dating someone who lied about their debt.
• 76% say having consumer debt isn’t a dealbreaker—as long as there’s a clear plan to pay it off.

Experts say being upfront about finances can strengthen relationships. Even if someone has significant debt, an honest conversation and a solid repayment strategy can make a difference.