According to Experian's latest National Score Index, compiled from a random sampling of 3 million consumers in the credit bureau's database, 51 percent of the U.S. population has at least two credit cards and 14 percent have 10 or more cards.
Also, 14 percent are using at least half of their available credit, according to the same study.
The results "tend to suggest, on average, people in the last couple of years are accumulating more debt and are utilizing credit cards more than in the past," said Pete Bolin, manager of analytics for Experian.