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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

"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.

"It's easier to open up when you know that everybody else is in the same boat," says Bruce Mc Clary, spokesman for Clear Point Credit Counseling Solutions, a nonprofit consumer credit counseling service.

Combining the "somewhat unlikely" and "very unlikely" responses, these are most-taboo topics: Debt perceived as personal failure Larry Compeau, professor of consumer behavior at Clarkson University in Potsdam, N.