The infographic reads that 1/3 of Americans have credit card debt and further below that over 100 MM Americans carry a balance from month to month.

1. Isn't carrying a balance from month to month the definition of "credit card debt"?

2. As of July 2009, the US population is about 307 million people.

That would mean that virtually everybody with a credit card carries a balance from month to month. That's simply not true.