Graph and download economic data for Consumer Loans: Credit Cards and Other Revolving Plans, All Commercial Banks (CCLACBW027SBOG) from 2000-06-28 to 2025-11-19 about revolving, credit cards, loans, consumer, banks, depository institutions, and USA.

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 1.23 Trillion USD in the third quarter of 2025 from 1.21 Trillion USD in the second quarter of 2025. This dataset includes a chart with historical data for the United States Debt Balance Credit Cards.

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…

Graph and download economic data for Large Bank Consumer Credit Card Balances: Total Balances (RCCCBBALTOT) from Q3 2012 to Q2 2025 about FR Y-14M, credit cards, consumer credit, large, balance, loans, consumer, banks, depository institutions, and USA.

As of the first quarter of 2025, the levels of debt from consumer lending in the United States amounted to nearly five trillion U.S. dollars. The consumer credit debt of households and nonprofit organizations increased steadily in the last decade. Throughout that period, the outstanding consumer credit in the U.S. has also been growing.

Graph and download economic data for Total Consumer Credit Owned and Securitized (TOTALSL) from Jan 1943 to Sep 2025 about securitized, owned, consumer credit, loans, consumer, and USA.

Consumer Credit in the United States increased to 13.09 USD Billion in September from 3.13 USD Billion in August 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.

Consumers in the United States had over **** trillion dollars in debt as of the first quarter of 2025. The majority of that debt were home mortgages, amounting to approximately **** trillion U.S. dollars. Student and car loans were the second and third largest component of household debt. Why is consumer debt important? Debt influences the Consumer Sentiment Index, which is an important indicator assessing the state of the U.S. economy. The U.S. housing market is also seen a bellwether of the economic conditions in the country. The housing industry employs a large number of people, and mortgages are large investments that consumers will pay off over the course of years, sometimes decades. Because of this, financial analysts closely watch consumer debt and its effects on the demand for housing. Attitudes towards debt Consumer perception of debt differed, depending on the kind of debt in question. While most saw a home mortgage as a positive investment, they increasingly looked at student loan debt as a negative debt. With education costs increasing, people are incurring more student loan debt in the United States. Credit card debt also had negative connotations.

United States Memo: Flow: CC: Credit Card Loans data was reported at 21.019 USD bn in Jun 2018. This records an increase from the previous number of -50.675 USD bn for Mar 2018. United States Memo: Flow: CC: Credit Card Loans data is updated quarterly, averaging 0.433 USD bn from Dec 1951 (Median) to Jun 2018, with 267 observations. The data reached an all-time high of 59.241 USD bn in Dec 2017 and a record low of -65.305 USD bn in Mar 2010. United States Memo: Flow: CC: Credit Card Loans data remains active status in CEIC and is reported by Federal Reserve Board. The data is categorized under Global Database’s United States – Table US.AB057: Funds by Instruments: Flows and Outstanding: Consumer Credit.

Graph and download economic data for Revolving Consumer Credit Owned and Securitized (REVOLSL) from Jan 1968 to Sep 2025 about revolving, securitized, owned, consumer credit, loans, consumer, and USA.

United States Consumer Credit Outstanding: Federal Government data was reported at 1,227.957 USD bn in Sep 2018. This records an increase from the previous number of 1,215.897 USD bn for Aug 2018. United States Consumer Credit Outstanding: Federal Government data is updated monthly, averaging 56.806 USD bn from Jan 1977 (Median) to Sep 2018, with 501 observations. The data reached an all-time high of 1,227.957 USD bn in Sep 2018 and a record low of 0.141 USD bn in Jan 1977. United States Consumer Credit Outstanding: Federal Government data remains active status in CEIC and is reported by Federal Reserve Board. The data is categorized under Global Database’s USA – Table US.KB003: Consumer Credit Outstanding and Terms of Credit. On June 7, 2012, the Consumer Credit (G.19) series has been restructured to reflect regulatory filing changes for U.S.-chartered depository intitutions. These changes will be accompanied by the revisions to the estimates of outstanding consumer credit back to January 2006. Consumer loans held by the federal government include loans originated by the Department of Education under the Federal Direct Loan Program, as well as Federal Family Education Loan Program loans that the government purchased from depository institutions and finance companies.

View monthly updates and historical trends for US Total Consumer Credit Outstanding. from United States. Source: Federal Reserve. Track economic data with…

United States Memo: Flow: saar: CC: Credit Card Loans data was reported at 28.639 USD bn in Jun 2018. This records an increase from the previous number of -1.296 USD bn for Mar 2018. United States Memo: Flow: saar: CC: Credit Card Loans data is updated quarterly, averaging 7.189 USD bn from Dec 1951 (Median) to Jun 2018, with 267 observations. The data reached an all-time high of 104.502 USD bn in Dec 2007 and a record low of -121.649 USD bn in Dec 2009. United States Memo: Flow: saar: CC: Credit Card Loans data remains active status in CEIC and is reported by Federal Reserve Board. The data is categorized under Global Database’s United States – Table US.AB057: Funds by Instruments: Flows and Outstanding: Consumer Credit.

United States Consumer Credit Outstanding: Memo: Student Loans data was reported at 1,524.040 USD bn in Mar 2018. This records an increase from the previous number of 1,490.560 USD bn for Dec 2017. United States Consumer Credit Outstanding: Memo: Student Loans data is updated quarterly, averaging 994.280 USD bn from Mar 2006 (Median) to Mar 2018, with 49 observations. The data reached an all-time high of 1,524.040 USD bn in Mar 2018 and a record low of 480.967 USD bn in Mar 2006. United States Consumer Credit Outstanding: Memo: Student Loans data remains active status in CEIC and is reported by Federal Reserve Board. The data is categorized under Global Database’s USA – Table US.KA011: Consumer Credit Outstanding and Terms of Credit.

The average amount of non-mortgage debt held by consumers in the United States has been falling steadily during the past years, amounting to ****** U.S. dollars in 2023. While respondents had ****** U.S. dollars of debt in 2018, that volume decreased to ****** U.S. dollars in 2019, which constituted the largest year-over-year decrease.What age groups are more indebted in the U.S.?The age group with the highest level of consumer debt in the U.S. was belonging to the Generation X with approximately ******* U.S. dollars of debt in 2022. The next generations with high consumer debt levels were baby boomers and millennials, whose debt levels were similar. In comparison, credit card debt is more equally distributed across all ages. There is an exception among people under 35 years old, who are significantly less burdened with credit card debt. However, most consumers expect to get rid of their debt in the short term. College expenses as a source of debtEducational expenses were not among the leading sources of debt among consumers in the U.S. in 2022. Instead, they made up about ** percent of the total. However, around ** percent of undergraduates from lower-income families had student loans, while over a fifth of undergraduates from higher-income families had student loans. Independently of how they cover these expenses, the confidence of students and parents about being able to pay these college costs was high in most cases.

United States Consumer Credit Outstanding Flow: Federal Government data was reported at 12.060 USD bn in Sep 2018. This records a decrease from the previous number of 20.410 USD bn for Aug 2018. United States Consumer Credit Outstanding Flow: Federal Government data is updated monthly, averaging 0.273 USD bn from Feb 1977 (Median) to Sep 2018, with 500 observations. The data reached an all-time high of 38.347 USD bn in Jan 2011 and a record low of -4.958 USD bn in May 2004. United States Consumer Credit Outstanding Flow: Federal Government data remains active status in CEIC and is reported by Federal Reserve Board. The data is categorized under Global Database’s United States – Table US.KB003: Consumer Credit Outstanding and Terms of Credit. Consumer loans held by the federal government include loans originated by the Department of Education under the Federal Direct Loan Program, as well as Federal Family Education Loan Program loans that the government purchased from depository institutions and finance companies.

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.

United States Assets: Flow: CU: saar: Loans: Consumer Credit data was reported at 60.415 USD bn in Sep 2018. This records an increase from the previous number of 46.772 USD bn for Jun 2018. United States Assets: Flow: CU: saar: Loans: Consumer Credit data is updated quarterly, averaging 2.690 USD bn from Dec 1951 (Median) to Sep 2018, with 268 observations. The data reached an all-time high of 60.415 USD bn in Sep 2018 and a record low of -17.629 USD bn in Mar 2010. United States Assets: Flow: CU: saar: Loans: Consumer Credit data remains active status in CEIC and is reported by Federal Reserve Board. The data is categorized under Global Database’s United States – Table US.AB057: Funds by Instruments: Flows and Outstanding: Consumer Credit.

The home mortgage debt of households and nonprofit organizations amounted to approximately 13.46 trillion U.S. dollars in the first quarter of 2025. Mortgage debt has been growing steadily since 2014, when it was less than ten billion U.S. dollars and has increased at a faster rate since the beginning of the coronavirus pandemic due to the housing market boom. Home mortgage sector in the United States Home mortgage sector debt in the United States has been steadily growing in recent years and is beginning to come out of a period of great difficulty and problems presented to it by the economic crisis of 2008. For the previous generations in the United States, the real estate market was quite stable. Financial institutions were extending credit to millions of families and allowed them to achieve ownership of their own homes. The growth of the subprime mortgages and, which went some way to contributing to the record of the highest US homeownership rate since records began, meant that many families deemed to be not quite creditworthy were provided the opportunity to purchase homes. The rate of home mortgage sector debt rose in the United States as a direct result of the less stringent controls that resulted from the vetted and extended terms from which loans originated. There was a great deal more liquidity in the market, which allowed greater access to new mortgages. The practice of packaging mortgages into securities, and their subsequent sale into the secondary market as a way of shifting risk, was to be a major factor in the formation of the American housing bubble, one of the greatest contributing factors to the global financial meltdown of 2008.