Commercial bank interest rates on credit card plans in the United States were over *** percent higher in early 2025 than in the same period in 2022. In February 2025, the interest amount on credit card plans amounted to ***** percent. Alongside this development, the overall amount of credit card debt in the U.S. reached an all-time high in Q4 2023. Credit cards are considered one of the most common ways to pay in the United States, so potential changes on credit card debt are closely tied to both the inflation figure and central bank interest rate of the country.

While interest rates in the United States declined ***** times by late 2024, average credit card interest rates did not immediately follow suit. This reveals itself when comparing the Federal Reserve interest rate against the APR, or annual percentage rates, of credit cards issued by commercial banks. The APR reached a record high in the country in 2024, likely adding to the growing credit card debt in the United States. This was below the APR of credit cards in a country like Brazil, however. It is expected that the credit card interest rates will continue to need time to catch up with the Fed interest rate.

Graph and download economic data for Commercial Bank Interest Rate on Credit Card Plans, All Accounts (TERMCBCCALLNS) from Nov 1994 to May 2025 about credit cards, consumer credit, loans, consumer, banks, depository institutions, interest rate, interest, rate, and USA.

While interest rates in the United States declined three times by late 2024, average credit card interest rates did not immediately follow suit. This reveals itself when comparing the Federal Reserve interest rate against the APR, or annual percentage rates, of credit cards issued by commercial banks. The APR reached a record high in the country in 2024, likely adding to the growing credit card debt in the United States. This was below the APR of credit cards in a country like Brazil, however. It is expected that the credit card interest rates will continue to need time to catch up with the Fed interest rate.

The UK's average credit card debt per household grew by *** British pounds between December 2021 and December 2022, the first increase since 2020. Standing at ***** British pounds at December 2022, the figure contrasts with the decline in 2020 – when the debt declined from ***** British pounds to ***** British pounds. That particular drop was likely a result of Covid-19's economic impact, and consumers trying to get rid of their credit card debt. The increase in 2022 may be caused by growing interest rates and the cost of living crisis beginning to take shape.

Graph and download economic data for Delinquency Rate on Credit Card Loans, All Commercial Banks (DRCCLACBS) from Q1 1991 to Q2 2025 about credit cards, delinquencies, commercial, loans, banks, depository institutions, rate, and USA.

Graph and download economic data for Consumer Loans: Credit Cards and Other Revolving Plans, All Commercial Banks (CCLACBW027SBOG) from 2000-06-28 to 2025-09-24 about revolving, credit cards, loans, consumer, banks, depository institutions, and USA.

Argentina Lending Rate: Domestic Currency: Personal Loan & Credit Card System: Personal: More 180 days data was reported at 65.890 % pa in Mar 2025. This records a decrease from the previous number of 65.980 % pa for Feb 2025. Argentina Lending Rate: Domestic Currency: Personal Loan & Credit Card System: Personal: More 180 days data is updated monthly, averaging 37.560 % pa from Jan 2002 (Median) to Mar 2025, with 279 observations. The data reached an all-time high of 132.770 % pa in Dec 2023 and a record low of 23.530 % pa in Jun 2006. Argentina Lending Rate: Domestic Currency: Personal Loan & Credit Card System: Personal: More 180 days data remains active status in CEIC and is reported by Central Bank of Argentina. The data is categorized under Global Database’s Argentina – Table AR.M006: Lending Rate: Non Financial Private Sector.

The source of information is the "Credit Balance Monthly Report Data" submitted by each member institution of the Credit Information Center. It aggregates the amount of all individual credit loans and calculates the average interest rate by age group and gender. If the loan is unsecured, it is defined as a personal credit loan. It does not include overdue, collection, and bad debt credit accounts.

Graph and download economic data for Household Debt Service Payments as a Percent of Disposable Personal Income (TDSP) from Q1 1980 to Q2 2025 about disposable, payments, personal income, debt, percent, households, personal, income, services, and USA.

Panama PA: External Debt: Average Interest on New External Debt Commitments: Official data was reported at 1.694 % in 2016. This records an increase from the previous number of 1.221 % for 2015. Panama PA: External Debt: Average Interest on New External Debt Commitments: Official data is updated yearly, averaging 5.835 % from Dec 1970 (Median) to 2016, with 47 observations. The data reached an all-time high of 9.914 % in 1983 and a record low of 0.000 % in 1991. Panama PA: External Debt: Average Interest on New External Debt Commitments: Official data remains active status in CEIC and is reported by World Bank. The data is categorized under Global Database’s Panama – Table PA.World Bank.WDI: External Debt: Terms and Undisbursed Debt. Interest represents the average interest rate on all new public and publicly guaranteed loans contracted during the year. To obtain the average, the interest rates for all public and publicly guaranteed loans have been weighted by the amounts of the loans. Debt from official creditors includes loans from international organizations (multilateral loans) and loans from governments (bilateral loans). Loans from international organization include loans and credits from the World Bank, regional development banks, and other multilateral and intergovernmental agencies. Excluded are loans from funds administered by an international organization on behalf of a single donor government; these are classified as loans from governments. Government loans include loans from governments and their agencies (including central banks), loans from autonomous bodies, and direct loans from official export credit agencies.; ; World Bank, International Debt Statistics.; Weighted average;

Graph and download economic data for Finance Rate on Personal Loans at Commercial Banks, 24 Month Loan (TERMCBPER24NS) from Feb 1972 to May 2025 about financing, consumer credit, loans, personal, consumer, banks, depository institutions, interest rate, interest, rate, and USA.

The data source is the "Credit Balance Monthly Report Data" submitted by each member institution of the Joint Credit Information Center. The individual's total monthly new credit loan amount and average interest rate are calculated under the segmentation of age groups and gender. If the loan is unsecured, it is defined as a personal credit loan. It does not include overdue, collection, and bad debt credit accounts.

The interest rates of most types of personal loans in the United Kingdom (UK) have increased slightly in 2024. However, the interest rates applied to personal loans of 3,000 British pounds were slightly lower than in the previous year, amounting to ***** percent. Smaller personal loans had, in general, higher interest rates than bigger loans.

Argentina AR: External Debt: Average Interest on New External Debt Commitments: Private data was reported at 8.253 % in 2016. This records an increase from the previous number of 4.061 % for 2015. Argentina AR: External Debt: Average Interest on New External Debt Commitments: Private data is updated yearly, averaging 8.100 % from Dec 1970 (Median) to 2016, with 47 observations. The data reached an all-time high of 14.306 % in 1980 and a record low of 0.000 % in 2011. Argentina AR: External Debt: Average Interest on New External Debt Commitments: Private data remains active status in CEIC and is reported by World Bank. The data is categorized under Global Database’s Argentina – Table AR.World Bank.WDI: External Debt: Terms and Undisbursed Debt. Interest represents the average interest rate on all new public and publicly guaranteed loans contracted during the year. To obtain the average, the interest rates for all public and publicly guaranteed loans have been weighted by the amounts of the loans. Debt from private creditors include bonds that are either publicly issued or privately placed; commercial bank loans from private banks and other private financial institutions; and other private credits from manufacturers, exporters, and other suppliers of goods, and bank credits covered by a guarantee of an export credit agency.; ; World Bank, International Debt Statistics.; Weighted average;

Debt financing (mortgage, line of credit, term loan, credit card) terms and conditions, average interest rates and average length of term for small and medium enterprises in 2020 by region, CMA level, North American Industry Classification System (NAICS), demographics, age of business, employment size, rate of growth, etc.

Credit card issuance revenue is slated to dip at a compound annual rate of 7.3% over the five years through 2025-26 to £20.5 billion, including estimated growth of 9.5% in 2025-26. The cost-of-living crisis has been both a blessing and a curse – on the one hand, households have turned to credit cards to pay for necessities as disposable incomes have taken a hit; on the other, it’s caused a higher rate of default and a lower level of total spending. Rampant inflation has made revenue very volatile. Drops in disposable income have left households scrambling to pay for necessities, with the ONS finding that 21% of adults had to use personal loans or credit cards to afford their living costs across 2023-24. Credit card issuers earn a large portion of their revenue from interest income. When the Bank of England ramped up interest rates to curb spiralling inflation over the two years through 2023-24, issuers saw their revenue skyrocket. Although interest rate cuts occurred over 2024-25, the average rate issuers charged borrowers continued to climb, reflecting the rising number of defaults, and issuers seeking to maintain profitability after being forced to raise provisions to cover losses. Interest rates will continue to drop in 2025-26, but this will make borrowing more affordable and reduce the likelihood of defaults, supporting lending activity and aiding revenue growth during the year. The likely decline in defaults will also allow issuers to reduce provisions, lifting the average industry profit margin to 5.9% in 2025-26. Credit card issuance revenue is forecast to expand at a compound annual rate of 4.1% over the five years through 2030-31 to reach £19.3 billion. Demand for credit cards from younger demographics is set to pick up in the coming years, with TransUnion finding more Gen Z consumers getting credit cards in 2023 compared to Millennials a decade earlier, positioning the industry for solid growth. The intensifying threat of buy-now-pay-later platforms will also cool as the FCA clamps down on the industry, introducing new regulations that increase transparency and checks to ensure borrowers can repay their debt. Issuers will also seek to capitalise on the growing market of environmentally conscious consumers, using recycled plastics and biodegradable alternatives for credit cards. This will give smaller issuers a healthy source of competition to compete with more established companies, weighing on market share concentration.

The business credit interest rate is the average interest rate on the loan products offered by commercial banks to non-financial corporations. The business credit is a credit specifically intended for business purposes including secured and unsecured business loans to small or large business with variable or fixed interest rate. The table shows the latest available data from the national authorities as well as the values from three months ago and one year ago. The data are updated continuously.

Graph and download economic data for Bank Prime Loan Rate Changes: Historical Dates of Changes and Rates (PRIME) from 1955-08-04 to 2025-09-17 about prime, loans, banks, depository institutions, interest rate, interest, rate, and USA.

The mortgage credit interest rate is the average interest rate on mortgage loan products offered to individuals and households by the commercial banks in the country. The mortgage credit is a loan used to finance the purchase of real estate. The table shows the latest available data from the national authorities as well as the values from three months ago and one year ago. The data are updated continuously.