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In February, Americans owed 8 billion in revolving debt (almost all in the form of credit card debt).

In the Credit poll, conducted March 28-30 by Gf K Roper Public Affairs and Corporate Communications, 34 percent of respondents said they carry a balance, and 15 percent reported not having any credit cards.

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Their greater openness may be because younger Americans grew up with texting, blogging, social media and other tools that encourage users to provide a certain amount of personal information, so they're more comfortable with topics once considered private, Solomon said.

"In my experience, young people today will discuss anything," he said. The concept of privacy as I know it as a baby boomer, the notion that there is a private self and a core of information that's not disclosed, really doesn't exist anymore." In addition, Solomon notes, many Americans age 18 to 24 have never known what it's like to not be in debt, and most of their peers are also in debt.

The telephone poll included a representative sample of 1,005 American adults (see poll methodology), and had a margin of error of plus or minus 3 percentage points.

Participants were asked, "how likely you would be to talk openly to someone you've just met about this topic? They were asked to say whether they were very likely, somewhat likely, somewhat unlikely, or very unlikely to discuss a topic.

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