By Dan Weil A total of 48% of cardholders say they don’t pay off their credit-card bills each month, according to a survey. With inflation roaring and pandemic assistance from the government now a relic of the past, more people are turning to credit cards to pay their bills. A total of 48% of cardholders say they don’t pay off their credit-card bills each month, according to a survey conducted for information service CreditCards.com by YouGov. And 60% of those people have owed their creditors for at least 12 months, up from 50% a year ago. In addition, 40% of the debtors say they’ve had credit…