How the poll was conducted

    The Associated Press-GfK Poll on debt-related stress was conducted by GfK Roper Public Affairs & Corporate Communications from June 16-20. It is based on landline and cellphone telephone interviews with a nationally representative random sample of 1,001 adults, including 715 credit card holders. Interviews were conducted with 700 respondents on landline telephones and 301 on cellular phones.

    Digits in the phone numbers dialed were generated randomly to reach households with unlisted and listed landline and cellphone numbers.

    Interviews were conducted in both English and Spanish.

    As is done routinely in surveys, results were weighted, or adjusted, to ensure that responses accurately reflect the population’s makeup by factors such as age, sex, education and race. In addition, the weighting took into account patterns of phone use ? landline only, cell only and both types ? by region.

    No more than one time in 20 should chance variations in the sample cause the results to vary by more than plus or minus 4.1 percentage points from the answers that would be obtained if all adults in the U.S. were polled. The margin of sampling error for credit card holders is plus or minus 4.8 percentage points.

    There are other sources of potential error in polls, including the wording and order of questions.

    The questions and results are available at .