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That's the topic people are least likely to want to talk about with someone they just met.The only other topic that makes people hold their tongues that much? Americans are more comfortable talking about politics, their religious views and their ages than they are talking about how much debt they carry on their credit cards, according to a new poll conducted for Credit "Even if you don't start a blog, I think it's really important to find a group of people who relate to you financially and share with them," Smith said."They will support you, share ideas with you and that will make it easier for you to reach your goal." Methodology Gf K Custom Research North America on behalf of Credit Cards.com, via random digit dialing phone interviews with 1,005 interview subjects.America's Protestant work ethic culture means that much of our identity is tied up in how we're doing financially, Compeau says, so not being able to provide for your family or pay the bills can cause feelings of embarrassment and shame.Compeau recently saw that firsthand, when he conducted in-depth interviews for a research project with consumers who had suffered major debt problems."On the other hand, I've seen relationships damaged because clients don't want to say anything to their friends, so they just keep turning down invitations and avoiding them." Credit counselors say they're not surprised that credit card debt is more taboo than it was five years ago, when more people carried a balance.

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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.

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