The purpose of this study was to determine the degree of relationship between selected socio-economic factors and the average monthly unpaid credit card balance subject to a finance charge. The socio-economic factors chosen were: 1) family and per capita income; 2) education of husband; 3) education of wife; 4) gainful employment of wife; 5) amount of savings; and 6) number of children. The sample consisted of 80 couples, married in the year 1971, currently residing in the Logan, Utah, area. A questionnaire was used to measure the six variables. The statistical tests used were the chi square and the gamma analysis. It was found that the six variables tested had no significant relationship upon the amount of the average monthly unpaid credit card balance.