Georgia Consumer Survey
RequiredRequired Question(s)
Making the Most of the Equity in Your Home
 
Required 1.
Have you ever refinanced a mortgage?
Yes
No
Required 2.
What is the best reason for refinancing a mortgage?
To get cash out to pay for a big purchase so you don't have to finance it
To get cash out to pay off higher interest debt
For home improvements
For better rates/payments/loan terms
There is no good reason to refinance a mortgage
Required 3.
How confident are you in your knowledge of the different benefits in refinancing a mortgage vs. a home equity line of credit or second mortgage?
Very confident. I could teach a class on the subject
I know enough to feel comfortable if I were in the position of having to decide between one or the other
I'm not sure, but I know I can Google it
Wouldn't even know where to start
Payday Loans and Potential Alternatives
 
Required 4.

Have you ever taken out a short-term, or "payday" loan for an emergency? 

Yes
No
Required 5.

Would high interest rates deter you from taking one of these shorter-term, higher interest rate loans?  

Yes. I shop interest rates when I'm getting any loan
Maybe. It depends on how much of an emergency it is
No. If I need it, I need it. It's more about getting the cash than the interest rate I'll have
Required 6.
If you had to come up with $500 tomorrow that you don't have today, what would you do? 
Sell something
Get a short term high interest loan from a lender
Borrow from friends or family
Speak to a professional financial services provider about options
Other  
Financial Wellness


 
Required 7.
How would you rate your "Financial Wellness?"
Lowest Level - 1 Highest Level - 5       
      
Required 8.
What is your biggest financial weak spot? 
I don't have enough income
I have trouble controlling my spending
I feel buried by debt
My credit isn't good enough
I don't have any financial weak spots!
Other  
Required 9.

What kind of financial literacy tools have you found helpful? 

My parents' advice
My financial institution has some good stuff
I check the internet for information
Other  
What's the Best Credit Card for You? 
 
Required 10.
How much credit card debt do you currently carry? 
$0-$1,000
$1,000-$5,000
$5,000-$10,000
$10,000-$20,000
More than $20,000
Required 11.

How many different credit cards do you use in a month? 

None
1-2
3-4
5 or more
Required 12.

What most influences your decision on the types of credit cards you apply for? 

Retailer-specific benefits (Target, Belk, Kroger, etc.)
Rewards and points for travel and/or other discounts
The best interest rates/lowest fees
Whomever will approve you for credit
I don't use credit cards
Retirement: What You'll Need and How to Make Sure You Have It
 
Required 13.

Have you retired, or do you plan to retire in the next five years? 

I have retired from full-time employment
I plan to retire from full-time employment within the next five years
My plan is to retire more than five years from now
At this rate, I don't think I'll ever be able to afford to retire
Required 14.
Who have you relied on for advice regarding financial planning for retirement? 
My financial institution
I employ a financial planner
Friends and family
I've Googled for information
None
Other  
Required 15.
What is your biggest financial concern when you think about retiring? 
Not knowing what I'll need
Knowing I will not have what I need
Running out of time before earning enough to set aside for retirement
Losing what I have invested in my retirement accounts due to stock market fluctuations
None
Other  
Your Credit Score: How to Find It, How to Read it, How to Raise It
 
Required 16.

When was the last time you checked your credit score? 

Within the last three months
Within the last six months
Within the last year
More than a year ago
I never check my score
Required 17.
Do you know the difference between a FICO Score and a Vantage Score? 
Of course; everyone knows that
I've heard them, but don't know that much about them or what's different about them
Nope, no clue
Required 18.
Which of the statements below best represents your opinion regarding the importance of having "good credit?"
Super important, and I pay close attention to my credit score
Makes life a little easier, but I don't worry about it too much and I don't focus too much on my credit score
Doesn't impact my life one way or the other; I don't even know what my credit score is
Demographic Information
 
Required 19.

Are you a member of a Georgia-based credit union?

Yes
No
Required 20.

Age group

Under 18
18-24
25-34
35-44
45-54
55-64
65+
Required 21.

Gender

Female
Male
Required 22.

Your zip code

 

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