Millennials may get a hard time for a certain number of topics, one thing they are trending to is not racking up debt via credit cards.

Millennials I’ve talked to have repeatedly told me they have looked at the generations of the past in regards to credit cards and are not wanting to have massive debt.

This is playing out in a new survey by Credible.com showing 52.2% of millennials will be using cash/debit card to buy gifts this year.