View quarterly updates and historical trends for US Credit Card Debt. from United States. Source: Federal Reserve Bank of New York. Track economic data wi…

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.

Debt Balance Credit Cards in the United States increased to 1.28 Trillion USD in the fourth quarter of 2025 from 1.23 Trillion USD in the third quarter of 2025. This dataset includes a chart with historical data for the United States Debt Balance Credit Cards.

Graph and download economic data for Consumer Loans: Credit Cards and Other Revolving Plans, All Commercial Banks (CCLACBW027SBOG) from 2000-06-28 to 2026-04-01 about revolving, credit cards, loans, consumer, banks, depository institutions, and USA.

Generation X was the group of people with the highest average credit card balance in the United States in the 3rd quarter of 2025, at approximately ***** U.S. dollars. That year, the average credit card debt of generation Z amounted to approximately ***** U.S. dollars. People in the silent generation had a credit card balance of roughly ***** U.S. dollars.

Key information about United States Household Debt

• United States Household Debt reached 18,775.7 USD bn in Dec 2025, compared with the reported number of 18,585.0 USD bn in the previous quarter
• US Household Debt: USD mn data is updated quarterly, available from Mar 1999 to Dec 2025
• The data reached an all-time high of 18,775.7 USD bn in Dec 2025 and a record low of 4,540.0 USD bn in Mar 1999

• In the latest reports, United States Household Debt accounted for 61.0 % of the country's Nominal GDP in Dec 2025
• Money Supply M2 in United States increased 22,442.1 USD bn YoY in Jan 2026
• United States Foreign Exchange Reserves was measured at 39.2 USD bn in Jan 2026
• The Foreign Exchange Reserves equaled 0.2 Months of Import in Jan 2026
• United States Domestic Credit reached 31,813.3 USD bn in Mar 2025, representing an increased of 4.0 % YoY

Graph and download economic data for Large Bank Consumer Credit Card Balances: Total Balances (RCCCBBALTOT) from Q3 2012 to Q4 2025 about FR Y-14M, credit cards, consumer credit, large, balance, loans, consumer, banks, depository institutions, and USA.

Graph and download economic data for Delinquency Rate on Credit Card Loans, All Commercial Banks (DRCCLACBS) from Q1 1991 to Q4 2025 about delinquencies, credit cards, commercial, loans, banks, depository institutions, rate, and USA.

The credit card penetration in the United States was forecast to continuously increase between 2024 and 2029 by in total 1.4 percentage points. After the seventh consecutive increasing year, the credit card penetration is estimated to reach 68.44 percent and therefore a new peak in 2029. The penetration rate refers to the share of the total population who use credit cards.The shown data are an excerpt of Statista's Key Market Indicators (KMI). The KMI are a collection of primary and secondary indicators on the macro-economic, demographic and technological environment in up to 150 countries and regions worldwide. All indicators are sourced from international and national statistical offices, trade associations and the trade press and they are processed to generate comparable data sets (see supplementary notes under details for more information).Find more key insights for the credit card penetration in countries like Canada and Mexico.

Consumer Credit in the United States increased to 9.48 USD Billion in February from 7.67 USD Billion in January of 2026. 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.

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.

View quarterly updates and historical trends for US Credit Card Accounts Delinquent by 90 or More Days. from United States. Source: Federal Reserve Bank o…

Graph and download economic data for Large Bank Consumer Credit Card Balances: 30 or More Days Past Due Rates: Accounts Based (RCCCBACTDPD30P) from Q3 2012 to Q4 2025 about 30 days +, accounts, FR Y-14M, credit cards, consumer credit, large, balance, loans, consumer, banks, depository institutions, rate, and USA.

United States HH Debt: Balance: New Delinquent Loan: Credit Card data was reported at 6.840 % in Mar 2020. This records a decrease from the previous number of 6.950 % for Dec 2019. United States HH Debt: Balance: New Delinquent Loan: Credit Card data is updated quarterly, averaging 8.081 % from Mar 2003 (Median) to Mar 2020, with 69 observations. The data reached an all-time high of 13.780 % in Dec 2009 and a record low of 5.073 % in Jun 2016. United States HH Debt: Balance: New Delinquent Loan: Credit Card data remains active status in CEIC and is reported by Federal Reserve Bank of New York. The data is categorized under Global Database’s United States – Table US.KB027: Household Debt.

Households Debt in the United States decreased to 68 percent of GDP in the third quarter of 2025 from 68.10 percent of GDP in the second quarter of 2025. This dataset provides - United States Households Debt To Gdp- actual values, historical data, forecast, chart, statistics, economic calendar and news.

As of the fourth quarter of 2024, Alaska and Hawaii were the states in the U.S. with the highest credit card debt. While the average credit card debt in Alaska amounted to 5,170 U.S. dollars, people from Mississippi only had on average 2,940 U.S. dollars of credit card debt.

Graph and download economic data for Total Consumer Credit Owned and Securitized (TOTALSL) from Jan 1943 to Feb 2026 about securitized, owned, consumer credit, loans, consumer, and USA.

The average consumer debt balance in the United States has peaked in 2024 at roughly 105,100 U.S. dollars. However, average consumer debt had decreased between 2010 and 2013, when it reached approximately 85,500 U.S. dollars. Here, consumer debt refers to student and car loans, credit cards, personal loans, mortgages, and other types of debt.

Total Credit Card Balances — official economic data series published by NY Fed Household Debt and Credit Report, United States

Graph and download economic data for Commercial Bank Interest Rate on Credit Card Plans, All Accounts (TERMCBCCALLNS) from Nov 1994 to Feb 2026 about credit cards, consumer credit, loans, consumer, interest rate, interest, banks, depository institutions, rate, and USA.