Literal question
    
                                    In the PAST 12 MONTHS, have you, personally, used your credit card?
            
            
 
    Interviewer instructions
    
                                    (If respondent has an account at a financial institution OR has a debit card in their name which is connected to an account [code 1 in FIN1 OR code 1 in FIN3], Continue; Otherwise, Skip to FIN11)