Credit card debt in the United States has been growing at a fast pace between 2021 and 2025. In the fourth quarter of 2024, the overall amount of credit card debt reached its highest value throughout the timeline considered here. COVID-19 had a big impact on the indebtedness of Americans, as credit card debt decreased from *** billion U.S. dollars in the last quarter of 2019 to *** billion U.S. dollars in the first quarter of 2021. What portion of Americans use credit cards? A substantial portion of Americans had at least one credit card in 2025. That year, the penetration rate of credit cards in the United States was ** percent. This number increased by nearly seven percentage points since 2014. The primary factors behind the high utilization of credit cards in the United States are a prevalent culture of convenience, a wide range of reward schemes, and consumer preferences for postponed payments. Which companies dominate the credit card issuing market? In 2024, the leading credit card issuers in the U.S. by volume were JPMorgan Chase & Co. and American Express. Both firms recorded transactions worth over one trillion U.S. dollars that year. Citi and Capital One were the next banks in that ranking, with the transactions made with their credit cards amounting to over half a trillion U.S. dollars that year. Those industry giants, along with other prominent brand names in the industry such as Bank of America, Synchrony Financial, Wells Fargo, and others, dominate the credit card market. Due to their extensive customer base, appealing rewards, and competitive offerings, they have gained a significant market share, making them the preferred choice for consumers.

The tables and interactive maps below allow users to explore the ratio of debt to income by state, metropolitan statistical area, and county for each year since 1999. Household debt is calculated from Federal Reserve Bank of New York (FRBNY) Consumer Credit Panel/Equifax Data, and household income is reported by the Bureau of Labor Statistics.

Households Debt in the United States decreased to 69.20 percent of GDP in the fourth quarter of 2024 from 70.50 percent of GDP in the third quarter of 2024. This dataset provides - United States Households Debt To Gdp- actual values, historical data, forecast, chart, statistics, economic calendar and news.

The G.19 Statistical Release, Consumer Credit, reports outstanding credit extended to individuals for household, family, and other personal expenditures, excluding loans secured by real estate. Total consumer credit comprises two major types: revolving and nonrevolving. Revolving credit plans may be unsecured or secured by collateral and allow a consumer to borrow up to a prearranged limit and repay the debt in one or more installments. Credit card loans comprise most of revolving consumer credit measured in the G.19, but other types, such as prearranged overdraft plans, are also included. Nonrevolving credit is closed-end credit extended to consumers that is repaid on a prearranged repayment schedule and may be secured or unsecured. To borrow additional funds, the consumer must enter into an additional contract with the lender. Consumer motor vehicle and education loans comprise the majority of nonrevolving credit, but other loan types, such as boat loans, recreational vehicle loans, and personal loans, are also included. This statistical release is designated by OMB as a Principal Federal Economic Indicator (PFEI).

Debt Balance Credit Cards in the United States decreased to 1.18 Trillion USD in the first quarter of 2025 from 1.21 Trillion USD in the fourth quarter of 2024. This dataset includes a chart with historical data for the United States Debt Balance Credit Cards.

Consumer Credit in Canada increased to 788638 CAD Million in May from 787087 CAD Million in April of 2025. This dataset provides - Canada Consumer Credit - actual values, historical data, forecast, chart, statistics, economic calendar and news.

Key information about United States Household Debt

• United States Household Debt reached 18,036.0 USD bn in Dec 2024, compared with the reported number of 17,943.0 USD bn in the previous quarter
• US Household Debt: USD mn data is updated quarterly, available from Mar 1999 to Dec 2024
• The data reached an all-time high of 18,036.0 USD bn in Dec 2024 and a record low of 4,540.0 USD bn in Mar 1999

• In the latest reports, United States Household Debt accounted for 61.7 % of the country's Nominal GDP in Dec 2024
• Money Supply M2 in United States increased 21,533.8 USD bn YoY in Dec 2024
• United States Foreign Exchange Reserves was measured at 34.9 USD bn in Dec 2024
• The Foreign Exchange Reserves equaled 0.1 Months of Import in Dec 2024
• United States Domestic Credit reached 30,648.3 USD bn in Mar 2024, representing an drop of 0.3 % YoY

Consumer Credit in the United States decreased to 5.10 USD Billion in May from 16.87 USD Billion in April of 2025. This dataset provides the latest reported value for - United States Consumer Credit Change - plus previous releases, historical high and low, short-term forecast and long-term prediction, economic calendar, survey consensus and news.

Daily, weekly and monthly data showing seasonally adjusted and non-seasonally adjusted UK spending using debit and credit cards. These are official statistics in development. Source: CHAPS, Bank of England.

Quarterly financial flows and stocks of household credit market debt, consumer credit, non-mortgage loans, and mortgage loans, on a seasonally adjusted basis.

Brazil Debt Card Transaction: Quarterly: Value data was reported at 259.930 BRL bn in Dec 2024. This records an increase from the previous number of 241.933 BRL bn for Sep 2024. Brazil Debt Card Transaction: Quarterly: Value data is updated quarterly, averaging 236.143 BRL bn from Mar 2019 (Median) to Dec 2024, with 24 observations. The data reached an all-time high of 264.121 BRL bn in Dec 2022 and a record low of 151.765 BRL bn in Mar 2019. Brazil Debt Card Transaction: Quarterly: Value data remains active status in CEIC and is reported by Central Bank of Brazil. The data is categorized under Global Database’s Brazil – Table BR.KAA001: Credit Card Statistics.

http://debtpro.co/credit-card-debt-consolidation-bad-credit/ The International Bank for Reconstruction and Development (IBRD) loans are public and publicly guaranteed debt extended by the World Bank Group. IBRD loans are made to, or guaranteed by, countries that are members of IBRD. IBRD may also make loans to IFC. IBRD lends at market rates. Data are in U.S. dollars calculated using historical rates. This dataset contains the latest available snapshot of the Statement of Loans. The World Bank complies with all sanctions applicable to World Bank transactions.

Statistics Netherlands collects data on consumer credit granted to individuals and the resulting debt. The following monthly amounts are given for the various types of credit institutions and types of credit: - amount of credit granted; - amount of interest; - amount of repayments; - amount of outstanding balance; - amount of limits granted. Also stated is the number of: - outstanding contracts; - limits granted; - new loans supplied; - new limits granted.

Data available from January 1998 to December 2013.

Status of the figures: The figures in this table are provisional when published. As this table has been discontinued, they will not become definite. In July data of the previous year are made definite based on the results of a yearly survey. The data for January-May of the current year are also adjusted, but remains provisional. Other adjustments may be made when new or additional information from respondents becomes available.

Changes as of 24 February 2014: Data for December 2013 have been added and the table has been discontinued.

As a result of a number of ambiguities, on 23 February 2012 the figures on Credit card credit were removed as a matter of precaution. The figures will be replaced as soon as possible.

When will new figures be published? As a result of budget restrictions affecting Statistics Netherlands, from 2014 onwards a number of statistics will be either discontinued, published less frequently or published in less detail. Following consultation of our main users, one of the statistics to be discontinued is the series on Consumer Credit. This table is therefore the last in the series. For more information about reduction in the statistical work programme, see Statistics Netherlands Strategic multi-annual programme 2014-2018.

Taiwan Credit Card: CCC: AE: Bad Debts Written Off data was reported at 2.612 NTD mn in Oct 2018. This records an increase from the previous number of 2.463 NTD mn for Sep 2018. Taiwan Credit Card: CCC: AE: Bad Debts Written Off data is updated monthly, averaging 4.465 NTD mn from Jun 2004 (Median) to Oct 2018, with 173 observations. The data reached an all-time high of 633.440 NTD mn in Apr 2006 and a record low of 0.659 NTD mn in Mar 2015. Taiwan Credit Card: CCC: AE: Bad Debts Written Off data remains active status in CEIC and is reported by Banking Bureau, Financial Supervisory Commission. The data is categorized under Global Database’s Taiwan – Table TW.KA027: Credit Card Statistics.

Taiwan Credit Card: CCC: Rakuten: Bad Debts Written Off data was reported at 1.192 NTD mn in Oct 2018. This records an increase from the previous number of 1.029 NTD mn for Sep 2018. Taiwan Credit Card: CCC: Rakuten: Bad Debts Written Off data is updated monthly, averaging 0.223 NTD mn from Dec 2014 (Median) to Oct 2018, with 47 observations. The data reached an all-time high of 1.192 NTD mn in Oct 2018 and a record low of 0.000 NTD mn in Oct 2016. Taiwan Credit Card: CCC: Rakuten: Bad Debts Written Off data remains active status in CEIC and is reported by Banking Bureau, Financial Supervisory Commission. The data is categorized under Global Database’s Taiwan – Table TW.KA027: Credit Card Statistics.

Taiwan Credit Card: LB: Bad Debts Written Off data was reported at 15.608 NTD mn in Mar 2013. This records an increase from the previous number of 15.467 NTD mn for Feb 2013. Taiwan Credit Card: LB: Bad Debts Written Off data is updated monthly, averaging 414.360 NTD mn from Jun 2004 (Median) to Mar 2013, with 106 observations. The data reached an all-time high of 2,771.862 NTD mn in Apr 2006 and a record low of -288.000 NTD mn in Sep 2010. Taiwan Credit Card: LB: Bad Debts Written Off data remains active status in CEIC and is reported by Banking Bureau, Financial Supervisory Commission. The data is categorized under Global Database’s Taiwan – Table TW.KA027: Credit Card Statistics.

Taiwan Credit Card: CCC: Bad Debts Written Off data was reported at 7.000 NTD mn in May 2018. This records an increase from the previous number of 6.178 NTD mn for Apr 2018. Taiwan Credit Card: CCC: Bad Debts Written Off data is updated monthly, averaging 6.845 NTD mn from Jun 2004 (Median) to May 2018, with 168 observations. The data reached an all-time high of 1,232.945 NTD mn in Oct 2006 and a record low of 2.046 NTD mn in Sep 2011. Taiwan Credit Card: CCC: Bad Debts Written Off data remains active status in CEIC and is reported by Banking Bureau, Financial Supervisory Commission. The data is categorized under Global Database’s Taiwan – Table TW.KA027: Credit Card Statistics.

The dataset comprises a broad range of variables to understand the full picture of consumers’ financial health: family socio-demographics, total income, total expenses, employment information, as well as all credit details. The features considered for the analyses were: socio-demographic characterization (marital status, level of education completed, number of people in the household), the perceived causes for over-indebtedness (from a predetermined pool of causes), and data concerning their economic situation, including the total income and expenses of the household as well as data concerning their credits and debts (amount of the monthly installments for credit cards, housing credit, car credit, personal credit and other types of credit or debts; total monthly installment concerning all credits). Each household is represented by one record (one observation) of the dataset with many features to describe their characteristics and behavior

Credit risk is the probability of a financial loss resulting from a borrower's failure to repay a loan. Essentially, credit risk refers to the risk that a lender may not receive the owed principal and interest, which results in an interruption of cash flows and increased costs for collection.

Dataset features

1. Debt (Задолженность): The total outstanding debt amount owed by the client.
2. Overdue Days (Просрочка, дни): The number of days a payment is overdue.
3. Initial Limit (Первоначальный лимит): The initial credit limit assigned to the client.
4. Birth Date (BIRTHDATE): The client's date of birth.
5. Sex (SEX): The client's gender (e.g., male, female).
6. Education (EDU): The client's level of education (e.g., high school, university).
7. Income (INCOME): The client's monthly or annual income.
8. Loan Term (TERM): The duration of the loan or credit agreement in months.
9. Credit History Rating (Рейтинг кредитной истории): A score or rating reflecting the client's credit history.
10. Living Area (LV_AREA): The geographical area or region where the client resides.
11. Settlement Name (LV_SETTLEMENTNAME): The name of the city, town, or settlement where the client lives.
12. Industry Name (INDUSTRYNAME): The industry or sector in which the client is employed.
13. Probability of Default (PDN): The estimated likelihood that the client will default on the loan.
14. Client ID (CLIENTID): A unique identifier assigned to the client.
15. Scoring Mark (SCORINGMARK): A credit score or risk assessment mark assigned to the client.
16. Underage Children Count (UNDERAGECHILDRENCOUNT): The number of underage children the client has.
17. Velcom Scoring (VELCOMSCORING): A specific scoring metric (possibly telecom-related) used in risk assessment.
18. Family Status (FAMILYSTATUS): The client's marital or family status (e.g., single, married, divorced).

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Amount of debt financing (mortgage, line of credit, term loan, credit card) requested and authorized 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.