Is it true that a large chunk of people in America can’t afford groceries without a line of credit?

Surveys and articles show that a large chunk of Americans are incurring worse credit card debts and are now having to borrow to afford day to day expenses

The Bankrate 2026 credit card debt report survey [link in comment] talks of how 61% of those with credit card debt (around 70 million people) has been in debt for more than a year and the biggest individual reason why (33%) is due to daily expenses.

There are anecdotes on my TL of people buying doordash pepsi via BNPL.

Is this alarmism or are things really that bad? Are there any methodological problems with the links I have cited