text: The classic denial, 'This old thing?' continues to be used in full force by Australians, according to a new study. A staggering 1.2 million either possess a secret credit card of hide purchases from their partner. According to new research, one in ten cardholders, or an estimated 800,000 Australians, also admit their credit card spending has lead to an argument with a partner. Put it on plastic: A new study of Australians' spending habits reveals that 1.2 million either have a secret credit card or hide purchases from a partner . The study of 1,200 cardholders by Creditcardfinder.com.au found that the biggest culprits of covert credit behaviour are women. 17 per cent will hide their credit card spending, versus 14 per cent of men. It isn't just women keeping mum either, Generation Y (aged 18-34 ) were found to be the least trustworthy of the age categories when it came to their credit card spending. 25 per cent of Gen Y were found to either have a secret credit card or hidden purchases, well above other age groups. This old thing? 17 per cent will hide their credit card spending, versus 14 per cent of men . They were also likely to be the most argumentative about their spending, versus Baby Boomers who had a much clearer concious and weren't likely to hide their spending or argue about it. Crafty card holding habits also varied between states too. Those in New South Wales  were found to argue over their spending more than Western Australians. However, Victorians had the most cunning credit card behaviour with 18 per cent admitting to a secret credit card versus the 9 per cent of Queenslanders. The stats: One in three don’t pay off their bill each month and 96 per cent make at least one unplanned purchase per month . Generational: 25 per cent of Gen Y were found to either have a secret credit card or hidden purchases . Yet, when it comes to spending habits across the board, credit card holders  were found to have a penchant for purchasing over paying back. One in three don’t pay off their bill each month and 96 per cent  make at least one unplanned purchase a month, with shopping sprees being the most common transaction. With the latest Reserve Bank Australia research showing Australians currently owe a net worth of over $50.1 billion across 16 million credit cards, it then comes at no surprise card holders are hiding their  habits.
target: New survey  analysed Australian credit card habits .
  15 per cent admit to having a credit card their partner doesn't know about .
  One in ten have fights with partners over credit card purchases .
  Gen Y are the most stealthy credit card culprits over other age groups .
  17 per cent of women hide their spending, versus 14 per cent of men .