Nearly a quarter of Americans have more credit card debt than emergency savings, according to an annual survey by Bankrate.com. The research also found that only about 55 percent of Americans have more emergency savings than credit card debt. Sixteen percent had none of each; the rest did not know or declined to say. The poll results are not much different from those found in 2011 and 2012. Greg McBride, senior financial analyst with Bankrate.com, points out that wages have been generally stagnant in recent years even as expenses have increased. Revolving debt did fall between 2008 and 2010, according to the Federal Reserve, but has since held relatively steady at about $850 billion. The Bankrate.com survey found that four in 10 people were feeling less comfortable about their savings levels than a year ago, and only 14 percent were feeling better.