Credit-card debt has become a significant problem among Americans over age 50, according to new figures from policy research organization Demos. Low- and middle-income households of older Americans who have owed money on credit cards for at least three months have an average of $8,278 in debt. The average is $6,258 for Americans under 50. Many older workers, who should be saving for retirement, use credit cards for everyday expenses, including groceries, utilities, and prescription drugs. This could lead to serious financial hardships for the 79-million-member Boomer generation, especially if the federal government trims Social Security benefits or raises the age of benefit eligibility. Many Americans over age 50 do have financial resources, but their assets are difficult to tap, such as 401(k) accounts that have early withdrawal penalties or significant amounts of wealth invested in homes.