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

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

The Survey of Consumer Finances (SCF) is normally a triennial cross-sectional survey of U.S. families. The survey data include information on families' balance sheets, pensions, income, and demographic characteristics.

This dataset provides values for HOUSEHOLDS DEBT TO INCOME reported in several countries. The data includes current values, previous releases, historical highs and record lows, release frequency, reported unit and currency.

Private Debt to GDP in the United States decreased to 142 percent in 2024 from 147.50 percent in 2023. United States Private Debt to GDP - values, historical data, forecasts and news - updated on October of 2025.

Negative Equity in U.S. Housing Market

Measuring Home Values, Debt, and Credit Risk

By Zillow Data [source]

About this dataset

This dataset, Negative Equity in the US Housing Market, provides an in-depth look into the negative equity occurring across the United States during this single quarter. Included are metrics such as total amount of negative equity in millions of dollars, total number of homes in negative equity, percentage of homes with mortgages that are in negative equity and more. These data points provide helpful insights into both regional and national trends regarding the prevalence and rate of home mortgage delinquency stemming from a diminishment of value from peak levels.

Home types available for analysis include 'all homes', condos/co-ops, multifamily units containing five or more housing units as well as duplexes/triplexes. Additionally, Cash buyers rates for particular areas can also be determined by referencing this collection. Further metrics such as mortgage affordability rates and impacts on overall indebtedness are readily calculated using information related to Zillow's Home Value Index (ZHVI) forecast methodology and TransUnion data respectively.

Other variables featured within this dataset include characteristics like region type (i.e city, county ..etc), size rank based on population values , percentage change in ZHVI since peak levels as well as loan-to-value ratio greater than 200 across all regions constituted herein (NE). Moreover Zillow's own Secondary Mortgage Market Survey data is utilized to acquire average mortgage quote rates while correlative Census Bureau NCHS median household income figures represent typical assessable proportions between wages and debt obligations . So whether you're looking to assess effects along metro lines or detailed buffering through zip codes , this database should prove sufficient for insightful explorations! Nonetheless users must strictly adhere to all conditions encompassed within Terms Of Use commitments put forth by our lead provider before accessing any resources included herewith

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Research Ideas

• Analyzing regional and state trends in negative equity: Analyze geographic differences in the percentage of mortgages “underwater”, total amount of negative equity, number of homes at least 90 days late, and other key indicators to provide insight into the factors influencing negative equity across regions, states and cities.
• Tracking the recovery rate over time: Track short-term changes in numbers related to negative equity (e.g., region or area ZHVI Change from Peak) to monitor recovery rates over time as well as how different policy interventions are affecting homeownership levels in affected areas.
• Exploring best practices for promoting housing affordability: Compare affordability metrics (e.g., mortgage payments, price-to-income ratios) across different geographic locations over time to identify best practices for empowering homeowners and promoting stability within the housing market while reducing local inequality impacts related to availability of affordable housing options and access to credit markets like mortgages/loans etc

Acknowledgements

If you use this dataset in your research, please credit the original authors. Data Source

License

See the dataset description for more information.

Columns

File: NESummary_2017Q1_Public.csv | Column name | Description | |:------------------------------------------------|:-----------------------------------------------------------------------------------------------------------------------------------| | RegionType | The type of region (e.g., city, county, metro etc.) (String) | | City | Name of the city (String) | | County | Name of the county (String) | | State | Name of the state (String) | | Metro ...

Total external debt is debt owed to non residents repayable in foreign currency, goods, or services. Total external debt is the sum of public, publicly guaranteed, and private non-guaranteed long-term debt, use of IMF credit, and short-term debt. Short-term debt includes all debt having an original maturity of one year or less and interest in arrears on long-term debt. Data are in million current U.S. dollars. This Data set uses 0 = no value, however the original data source uses -9999 as its original value. Data was found online at http://geodata.grid.unep.ch

Time series data for the statistic External_Debt_Stocks_Total_$ and country Argentina. Indicator Definition:Total external debt is debt owed to nonresidents repayable in currency, goods, or services. Total external debt is the sum of public, publicly guaranteed, and private nonguaranteed long-term debt, use of IMF credit, and short-term debt. Short-term debt includes all debt having an original maturity of one year or less and interest in arrears on long-term debt. Data are in current U.S. dollars.The statistic "External Debt Stocks Total $" stands at 266,167,259,703.10 Argentine Pesos as of 12/31/2023, the lowest value since 12/31/2018. Regarding the One-Year-Change of the series, the current value constitutes a decrease of -0.2747 percent compared to the value the year prior.The 1 year change in percent is -0.2747.The 3 year change in percent is -3.38.The 5 year change in percent is -10.30.The 10 year change in percent is 77.18.The Serie's long term average value is 110,659,713,518.15 Argentine Pesos. It's latest available value, on 12/31/2023, is 140.53 percent higher, compared to it's long term average value.The Serie's change in percent from it's minimum value, on 12/31/1970, to it's latest available value, on 12/31/2023, is +4,416.52%.The Serie's change in percent from it's maximum value, on 12/31/2019, to it's latest available value, on 12/31/2023, is -11.09%.

Credit bureaus and rating agencies in the US have experienced notable growth in recent years due to heightened demand for information. The reliance on data analytics has driven increased interest in these services, which provide vital information on creditworthiness for both individuals and businesses. This has been particularly significant as businesses and individuals seek to make well-informed financial decisions. Despite challenges related to the pandemic, inflation and high interest rates, the industry has thrived and profit has soared, indicating its resilience and the critical nature of the services it offers in a data-driven economy. While long-term demand for information has buoyed the industry, providers’ trajectory has been influenced by broader economic conditions, notably equity market fluctuations. The industry weathered initial pandemic-related disruptions, which precipitated a sharp fall in stock prices and corporate profit. Nonetheless, rapid fiscal and monetary responses bolstered investor confidence and led to a robust rebound in equity markets, contributing to massive revenue growth in 2020 and 2021. Soaring interest rates in 2022 and 2023 boosted recessionary fears among investors, hindering demand for equities, reducing stock prices and thus contributing to a major drop in revenue in 2022. These effects have percolated into the real economy as consumer and business borrowing has slowed, constraining aggregate household debt and corporate debt. These effects have negatively impacted the industry in 2023 and 2024, though a rebound in the stock market has prevented a major collapse in revenue. Overall, revenue for credit bureaus and rating agencies in the US is anticipated to soar at a CAGR of 4.3% over the past five years, reaching $16.4 billion in 2024. This includes a 1.3% drop in revenue in that year. Looking ahead, credit bureaus and rating agencies will face a more tempered growth trajectory over the next five years. The broad adoption of online services and data analytics has led to market saturation, reducing opportunities for exponential revenue growth. Nonetheless, stable economic growth and business formation should sustain a steady demand for credit reporting and rating services. The predicted slower growth in equity prices will moderate financial institutions' borrowing capacity, which will also contribute to the slowdown in revenue growth. Overall, revenue for credit bureaus and rating agencies in the United States is forecast to inch upward at a CAGR of 1.1% over the next five years, reaching $17.4 billion in 2029.

Diluted-Average-Shares Time Series for Citizens Community Bancorp Inc. Citizens Community Bancorp, Inc. operates as a bank holding company for Citizens Community Federal N.A. that provides various traditional community banking services to businesses, agricultural operators, and consumers in the United States. The company accepts various deposit products, including demand deposits, savings and money market accounts, and certificates of deposit. It also provides various loan products, such as commercial real estate, commercial and industrial, agricultural real estate, agricultural operating, and consumer loans; and one-to-four family residential mortgages and home equity lines-of-credit. In addition, the company maintains a portfolio of investments comprising mortgage-backed, corporate asset-backed, U.S. Government sponsored agency, and corporate debt securities. The company operates in Wisconsin, Minnesota and Other locations. Citizens Community Bancorp, Inc. was founded in 1938 and is based in Eau Claire, Wisconsin.

Households Debt in Canada decreased to 99.58 percent of GDP in the first quarter of 2025 from 100.39 percent of GDP in the fourth quarter of 2024. This dataset provides - Canada Households Debt To Gdp- actual values, historical data, forecast, chart, statistics, economic calendar and news.

Time series data for the statistic External_Debt_Stocks_Total_$ and country Dominican Republic. Indicator Definition:Total external debt is debt owed to nonresidents repayable in currency, goods, or services. Total external debt is the sum of public, publicly guaranteed, and private nonguaranteed long-term debt, use of IMF credit, and short-term debt. Short-term debt includes all debt having an original maturity of one year or less and interest in arrears on long-term debt. Data are in current U.S. dollars.The statistic "External Debt Stocks Total $" stands at 52,256,628,608.70 Dominican Pesos as of 12/31/2023, the highest value at least since 12/31/1971, the period currently displayed. Regarding the One-Year-Change of the series, the current value constitutes an increase of 8.32 percent compared to the value the year prior.The 1 year change in percent is 8.32.The 3 year change in percent is 28.84.The 5 year change in percent is 64.00.The 10 year change in percent is 118.12.The Serie's long term average value is 11,218,392,136.14 Dominican Pesos. It's latest available value, on 12/31/2023, is 365.81 percent higher, compared to it's long term average value.The Serie's change in percent from it's minimum value, on 12/31/1970, to it's latest available value, on 12/31/2023, is +13,314.68%.The Serie's change in percent from it's maximum value, on 12/31/2023, to it's latest available value, on 12/31/2023, is 0.0%.

Graph and download economic data for Personal Saving Rate (PSAVERT) from Jan 1959 to Aug 2025 about savings, personal, rate, and USA.

Time series data for the statistic External_Debt_Stocks_Total_$ and country Guatemala. Indicator Definition:Total external debt is debt owed to nonresidents repayable in currency, goods, or services. Total external debt is the sum of public, publicly guaranteed, and private nonguaranteed long-term debt, use of IMF credit, and short-term debt. Short-term debt includes all debt having an original maturity of one year or less and interest in arrears on long-term debt. Data are in current U.S. dollars.The statistic "External Debt Stocks Total $" stands at 25,364,845,251.60 Guatemalan Quetzals as of 12/31/2023. Regarding the One-Year-Change of the series, the current value constitutes an increase of 0.3774 percent compared to the value the year prior.The 1 year change in percent is 0.3774.The 3 year change in percent is 4.14.The 5 year change in percent is 4.49.The 10 year change in percent is 45.07.The Serie's long term average value is 8,271,834,156.30 Guatemalan Quetzals. It's latest available value, on 12/31/2023, is 206.64 percent higher, compared to it's long term average value.The Serie's change in percent from it's minimum value, on 12/31/1970, to it's latest available value, on 12/31/2023, is +13,048.88%.The Serie's change in percent from it's maximum value, on 12/31/2021, to it's latest available value, on 12/31/2023, is -3.60%.

Time series data for the statistic External_Debt_Stocks_Total_$ and country Haiti. Indicator Definition:Total external debt is debt owed to nonresidents repayable in currency, goods, or services. Total external debt is the sum of public, publicly guaranteed, and private nonguaranteed long-term debt, use of IMF credit, and short-term debt. Short-term debt includes all debt having an original maturity of one year or less and interest in arrears on long-term debt. Data are in current U.S. dollars.The statistic "External Debt Stocks Total $" stands at 2,637,609,831.70 Haitian Gourdes as of 12/31/2023, the highest value at least since 12/31/1971, the period currently displayed. Regarding the One-Year-Change of the series, the current value constitutes an increase of 2.97 percent compared to the value the year prior.The 1 year change in percent is 2.97.The 3 year change in percent is 13.77.The 5 year change in percent is 18.82.The 10 year change in percent is 68.07.The Serie's long term average value is 1,101,348,455.47 Haitian Gourdes. It's latest available value, on 12/31/2023, is 139.49 percent higher, compared to it's long term average value.The Serie's change in percent from it's minimum value, on 12/31/1971, to it's latest available value, on 12/31/2023, is +5,171.32%.The Serie's change in percent from it's maximum value, on 12/31/2023, to it's latest available value, on 12/31/2023, is 0.0%.

Layers represented in this map are, Claims on governments and other public entities (current LCU), Claims on private sector (annual growth as % of M2), Money and quasi money growth (annual %), Money and quasi money (M2) to total reserves ratio, money (Current LCU)Claims on Governments and Other Public Entities: Claims on governments and other public entities (IFS line 32an + 32b + 32bx + 32c) usually comprise direct credit for specific purposes such as financing of the government budget deficit or loans to state enterprises, advances against future credit authorizations, and purchases of treasury bills and bonds, net of deposits by the public sector. Public sector deposits with the banking system also include sinking funds for the service of debt and temporary deposits of government revenues. Data are in current local currency. Data from 1965 – 2008.Claims on Private Sector: Claims on private sector (IFS line 32d) include gross credit from the financial system to individuals, enterprises, nonfinancial public entities not included under net domestic credit, and financial institutions not included elsewhere. Money and quasi money (M2) comprise the sum of currency outside banks, demand deposits other than those of the central government, and the time, savings, and foreign currency deposits of resident sectors other than the central government. Data from 1967 – 2008.Money and Quasi Money, Annual Growth Percentage: Average annual growth rate in money and quasi money. Money and quasi money comprise the sum of currency outside banks, demand deposits other than those of the central government, and the time, savings, and foreign currency deposits of resident sectors other than the central government. This definition is frequently called M2; it corresponds to lines 34 and 35 in the International Monetary Fund's (IMF) International Financial Statistics (IFS). The change in the money supply is measured as the difference in end-of-year totals relative to the level of M2 in the preceding year. Data from 1966 – 2008.Money and Quasi Money, M2 to Total Reserves Ratio: Money and quasi money comprise the sum of currency outside banks, demand deposits other than those of the central government, and the time, savings, and foreign currency deposits of resident sectors other than the central government. This definition is frequently called M2; it corresponds to lines 34 and 35 in the International Monetary Fund's (IMF) International Financial Statistics (IFS). Total reserves comprise holdings of monetary gold, special drawing rights, reserves of IMF members held by the IMF, and holdings of foreign exchange under the control of monetary authorities. The gold component of these reserves is valued at year-end (December 31) London prices. Data from 1966 – 2008.Money Current LCU: Money is the sum of currency outside banks and demand deposits other than those of central government. This series, frequently referred to as M1 is a narrower definition of money than M2. Data are in current local currency. Data from 1965 – 2008.Quasi-Liquid Liabilities: Quasi-liquid liabilities are the sum of currency and deposits in the central bank (M0), plus time and savings deposits, foreign currency transferable deposits, certificates of deposit, and securities repurchase agreements, plus travelers checks, foreign currency time deposits, commercial paper, and shares of mutual funds or market funds held by residents. They equal the M3 money supply less transferable deposits and electronic currency (M1). Data from 1965 – 2008.

Time series data for the statistic External_Debt_Stocks_Total_$ and country Turkey. Indicator Definition:Total external debt is debt owed to nonresidents repayable in currency, goods, or services. Total external debt is the sum of public, publicly guaranteed, and private nonguaranteed long-term debt, use of IMF credit, and short-term debt. Short-term debt includes all debt having an original maturity of one year or less and interest in arrears on long-term debt. Data are in current U.S. dollars.The statistic "External Debt Stocks Total $" stands at 499,842,484,724.00 Turkish Liras as of 12/31/2023, the highest value at least since 12/31/1971, the period currently displayed. Regarding the One-Year-Change of the series, the current value constitutes an increase of 9.16 percent compared to the value the year prior.The 1 year change in percent is 9.16.The 3 year change in percent is 16.30.The 5 year change in percent is 17.11.The 10 year change in percent is 24.28.The Serie's long term average value is 161,541,400,372.72 Turkish Liras. It's latest available value, on 12/31/2023, is 209.42 percent higher, compared to it's long term average value.The Serie's change in percent from it's minimum value, on 12/31/1970, to it's latest available value, on 12/31/2023, is +18,099.56%.The Serie's change in percent from it's maximum value, on 12/31/2023, to it's latest available value, on 12/31/2023, is 0.0%.

Time series data for the statistic External_Debt_Stocks_Total_$ and country Paraguay. Indicator Definition:Total external debt is debt owed to nonresidents repayable in currency, goods, or services. Total external debt is the sum of public, publicly guaranteed, and private nonguaranteed long-term debt, use of IMF credit, and short-term debt. Short-term debt includes all debt having an original maturity of one year or less and interest in arrears on long-term debt. Data are in current U.S. dollars.The statistic "External Debt Stocks Total $" stands at 26,135,416,108.00 Paraguayan Guaranýs as of 12/31/2023, the highest value at least since 12/31/1971, the period currently displayed. Regarding the One-Year-Change of the series, the current value constitutes an increase of 5.45 percent compared to the value the year prior.The 1 year change in percent is 5.45.The 3 year change in percent is 26.06.The 5 year change in percent is 52.10.The 10 year change in percent is 58.45.The Serie's long term average value is 7,175,312,453.28 Paraguayan Guaranýs. It's latest available value, on 12/31/2023, is 264.24 percent higher, compared to it's long term average value.The Serie's change in percent from it's minimum value, on 12/31/1970, to it's latest available value, on 12/31/2023, is +18,033.00%.The Serie's change in percent from it's maximum value, on 12/31/2023, to it's latest available value, on 12/31/2023, is 0.0%.

Time series data for the statistic External_Debt_Stocks_Total_$ and country Jamaica. Indicator Definition:Total external debt is debt owed to nonresidents repayable in currency, goods, or services. Total external debt is the sum of public, publicly guaranteed, and private nonguaranteed long-term debt, use of IMF credit, and short-term debt. Short-term debt includes all debt having an original maturity of one year or less and interest in arrears on long-term debt. Data are in current U.S. dollars.The statistic "External Debt Stocks Total $" stands at 15,349,418,849.40 Jamaican Dollars as of 12/31/2023. Regarding the One-Year-Change of the series, the current value constitutes a decrease of -2.85 percent compared to the value the year prior.The 1 year change in percent is -2.85.The 3 year change in percent is 8.53.The 5 year change in percent is -12.44.The 10 year change in percent is 19.08.The Serie's long term average value is 6,936,297,593.48 Jamaican Dollars. It's latest available value, on 12/31/2023, is 121.29 percent higher, compared to it's long term average value.The Serie's change in percent from it's minimum value, on 12/31/1970, to it's latest available value, on 12/31/2023, is +1,463.16%.The Serie's change in percent from it's maximum value, on 12/31/2018, to it's latest available value, on 12/31/2023, is -12.44%.