More than half of credit-card users fret over making their monthly payments and think high schools should provide mandatory instruction to help teenagers from becoming credit junkies, according to a poll.

Forty percent of card holders questioned in the survey, released Tuesday, said they were "very concerned" about meeting their current monthly credit card bills and an additional 14 percent said they were "somewhat concerned." The survey was jointly commissioned by two consumer groups and AT&T Universal Card Services."Consumers have . . . been using credit cards to maintain their standard of living during rough times. They know it's not a great way to go . . . but for many there's no other option," said Elgie Holstein, president of the Bankcard Holders of America.

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Ninety percent of the respondents said credit card rates, despite some recent decreases, were too high. Two-thirds said they could use more information to help them choose the right card.

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