Average Credit Card Debt in America: What the Numbers Actually Mean for You

• 📋 Key Takeaways - Americans now owe a collective $1.28 trillion in credit card debt as of Q4 2025, the highest total ever recorded. The average credit card balance per borrower is around $6,500, but that number is misleading because it includes people who pay in full every month. Among cardholders who actually carry a balance, the average is closer to $7,900, and per household the figure exceeds $9,000. Generation X carries the highest average balance at $9,600, and nearly half of all cardholders are revolving a balance at APRs above 21%. Credit card debt has surged 66% since the pandemic-era low of $770 billion in early 2021, driven by inflation, record-high interest rates, and stagnant real wages. Delinquency rates are now approaching levels last seen during the 2008 financial crisis — even though unemployment remains low, which tells you that this is an affordability problem, not an employment problem. If you are reading this because you are worried about your own debt, the national average almost certainly does not describe your situation, and the strategies you need depend on where you fall relative to these numbers, not on the numbers themselves.

The latest data from the Federal Reserve Bank of New York shows that Americans now owe $1.28 trillion in credit card debt as of the fourth quarter of 2025. That is the highest balance the Fed has recorded since it started tracking in 1999, and it represents an increase of more than $500 billion since early 2021 when pandemic-era savings were still keeping balances suppressed.

But raw numbers like $1.28 trillion are almost too large to process. What matters is what those numbers look like when you zoom in to the individual level, the household level, and the generational level — and what they mean for someone who is trying to figure out whether their own situation is manageable or whether it is time to explore other options.

We have spent the last decade working directly with people who are on the wrong side of these statistics, and this guide is written from that perspective. These are not just numbers to us — they are the starting point of almost every conversation we have with new clients.

How Much Credit Card Debt Does the Average American Have?

The answer depends on how you measure it, and the distinction matters more than most people realize.

According to TransUnion, the average credit card balance per borrower is $6,523 as of Q3 2025. That is the number most outlets cite. But it includes every cardholder in the country — including the millions of people who pay their balance in full every month and technically carry $0 in revolving debt. Those zero-balance accounts pull the average down significantly.

If you narrow the data to people who are actually carrying a balance from month to month, the picture changes. LendingTree's analysis of over 400,000 credit reports puts the average unpaid balance at $7,886. And when you calculate it per household rather than per individual, the figure climbs to roughly $9,100 to $11,000, depending on the source and methodology.

📊 About 47% of American credit cardholders are carrying a balance right now, according to the Federal Reserve's 2025 Survey of Household Economics. That is nearly half of all cardholders paying interest every single month. With average APRs above 21%, those balances are not sitting still — they are compounding.

This is something we see constantly in consultations. Someone comes to us with $25,000 or $30,000 across four or five cards and says they do not understand how it got that high. The answer is almost always the same: minimum payments barely touch the principal and compounding interest does the rest. A $6,500 balance at 22% APR, paid at minimums, can take over 14 years to eliminate and cost you more in interest than the original balance. That is not a hypothetical — that is the math. If you want to understand exactly how this works, we have a detailed breakdown of how to avoid interest payments and what happens when you only pay the minimum.

How Credit Card Debt Has Changed Over Time

To understand where we are, you need to understand how we got here. The trajectory of American credit card debt over the past 25 years tells a story of boom, bust, pandemic, and an unprecedented surge that is still accelerating.

The Pre-Crisis Buildup (2000–2008). Total U.S. credit card debt climbed steadily through the early 2000s, fueled by loose lending standards and a housing-driven wealth effect. By late 2007, revolving credit balances topped out at around $870 billion. Credit was easy to get, minimum payments were easy to make, and the warning signs were easy to ignore — until they were not. If this sounds familiar, it should. We wrote about what happens during a recession and how it changes the debt landscape, and the parallels to the current moment are worth paying attention to.

The Great Recession Correction (2008–2013). When the financial crisis hit, credit card debt dropped sharply. This was not because Americans suddenly got disciplined. Banks tightened lending standards, closed accounts, and slashed credit limits. Millions of people defaulted, and those charged-off balances disappeared from the total. At the same time, cautious consumers cut spending and paid down what they could. By 2013, revolving balances had fallen to roughly $660 billion. The strategies people used to slash debt during that recession are many of the same ones that work today.

The Slow Recovery (2013–2019). Credit card debt climbed steadily back up through the mid-2010s as the economy recovered, consumer confidence returned, and lending standards loosened again. By the fourth quarter of 2019 — right before the pandemic — total credit card balances hit a new record of $927 billion. At the time, that number felt enormous. It would look quaint within a few years.

The Pandemic Shock (2020–2021). The COVID-19 pandemic produced the fastest and most dramatic swing in credit card debt on record. Between Q4 2019 and Q1 2021, total balances plunged from $927 billion to just $770 billion — a drop of nearly $160 billion. Stimulus checks, enhanced unemployment benefits, and a sudden halt in discretionary spending meant that millions of people were paying down debt faster than they were accumulating it. We tracked this shift closely at the time, and wrote about how credit conditions changed during the pandemic and what it meant for borrowers' creditworthiness going forward.

The Surge (2021–Present). When the stimulus faded and inflation spiked, the reversal was swift and brutal. Credit card balances shot upward starting in late 2021 and have not stopped. In less than five years, total balances climbed from that pandemic low of $770 billion to $1.28 trillion — a 66% increase. To put that in perspective, it took from 2000 to 2019 for credit card debt to grow from roughly $600 billion to $927 billion. It took from 2021 to 2025 to blow past that record by $350 billion.

📊 The $1.28 trillion Americans now owe on credit cards is $350 billion higher than the pre-pandemic record set in Q4 2019. That is a 38% increase in six years, fueled by a combination of record-high APRs, persistent inflation, and real wages that have not kept pace for many households.

The historical pattern is important because it shows that credit card debt in America does not move gradually — it moves in cycles, and the current cycle is steeper and faster than any previous one. And unlike the Great Recession, this run-up is happening while unemployment is still relatively low, which means the problem is not about people losing their jobs. It is about the cost of living outpacing their ability to keep up without borrowing. That is a fundamentally different problem, and it requires a different set of solutions.

Average Credit Card Debt by Age

Not all generations are carrying the same weight. According to Experian's 2025 consumer debt study, the breakdown looks like this:

• Gen Z (ages 18–28): $3,493 average balance. This is the lowest of any adult generation, which makes sense given that younger consumers have lower credit limits and less borrowing history. But Gen Z balances are growing faster year over year than any other group, and that trajectory is worth paying attention to. Many younger borrowers are also the ones we see falling into delinquency the fastest, because a $3,500 balance at 24% APR on a $35,000 income is a much heavier burden than a $9,600 balance for someone earning $90,000. If you are young and trying to figure out how to handle debt on a low income, the earlier you address it, the fewer options you lose.
• Millennials (ages 29–44): Roughly $6,800 and climbing. This generation is caught between student loan payments, rising housing costs, and the everyday squeeze of raising families. Many of the people we work with in this age group did not get into trouble through reckless spending — they got there through a combination of medical emergencies, job losses, and inflation pushing essential expenses onto credit cards.
• Gen X (ages 45–60): $9,600 average balance — the highest of any generation by a wide margin. Gen Xers are often juggling mortgage payments, their children's college costs, and aging parents, all while their peak earning years may already be behind them. This average has increased by $2,600 in just three years. Understanding your debt-to-income ratio becomes especially critical at this stage, because carrying high-interest revolving debt alongside a mortgage can quietly push your total obligations past what your income can support.
• Baby Boomers (ages 61–79): Around $6,200. Balances have started declining for this group overall, but there is a sharp divide within it. Many boomers are entering retirement with credit card debt they cannot easily pay down on a fixed income. If that describes your situation, it is worth looking into options specifically designed for seniors dealing with card debt.
• Silent Generation (80+): $3,445. The lowest average alongside Gen Z, but for very different reasons.

The critical thing to understand is that if you are between 30 and 60 and carrying more debt than these averages, you are far from alone. And if you are carrying significantly more — $15,000, $20,000, or beyond — you are still not as unusual as you might think. Averages smooth out the extremes, and we regularly work with people whose balances are three to five times these numbers.

Credit Card Debt by State

Where you live plays a bigger role than most people realize, and the state-by-state picture reveals just how unevenly distributed this problem is across the country.

The Highest-Balance States

According to LendingTree's analysis of credit report data from Q3 2025, the states where cardholders carry the largest average unpaid balances are concentrated on the coasts and in high-cost-of-living regions:

• Connecticut: $9,778 — the highest average balance of any state
• New Jersey: $9,748
• Maryland: $9,630
• Washington: $9,039 — and growing fast, with an 11.8% year-over-year increase
• California, Virginia, Hawaii, Alaska — all averaging above $8,000 per cardholder with an unpaid balance

TransUnion's per-borrower data (which uses a different methodology) tells a similar story at the top, with Washington D.C. leading at $7,684, followed by Alaska at $7,683 and Hawaii at $7,330. The common thread is clear: residents of expensive metros are putting more on plastic and carrying more from month to month.

At the household level, the numbers are even more striking. WalletHub's household-adjusted figures show Hawaii at $15,052 per household, California at $13,847, and Alaska at $13,630. These are balances that create real financial drag — even for households with above-average incomes.

The Lowest-Balance States

On the other end, the states with the smallest average balances tend to be in the Midwest and parts of the South:

• Wisconsin: $5,206 per cardholder (lowest in the country)
• Iowa: $5,502
• West Virginia: $5,336
• Mississippi: $4,887 (lowest by LendingTree's carrying-balance methodology)
• Arkansas: $5,259

But lower average balances do not necessarily mean less financial stress. A Bankrate study found that many of the states with the lowest balances also have some of the lowest median household incomes. Mississippi and Louisiana consistently rank among the most debt-burdened states when you factor in what residents actually earn — because $5,000 in credit card debt on a $35,000 household income is a heavier load than $9,000 on a $100,000 income.

The Fastest-Growing States

The year-over-year trends are in some ways more concerning than the absolute numbers:

• Washington saw the fastest balance growth at 11.8% from Q3 2024 to Q3 2025
• South Dakota followed at 11.7%
• Nebraska at 11.3%
• Wisconsin at 10.2%
• Maine led in Q4 2025 quarterly growth, with balances jumping nearly 8% in a single quarter

Meanwhile, New Mexico bucked the trend entirely, with balances dropping 10.3% year over year. West Virginia (down 2.9%) and Louisiana (down 2.0%) also saw meaningful decreases.

What This Means for Residents of the States We Serve

For residents of the 21 states where we operate, the numbers vary but the underlying patterns are remarkably consistent. Whether someone calls us from New York — where the average household carries well above $10,000 in credit card debt — or from Texas, or from Florida, the story is usually some version of the same thing: stagnant wages, rising costs, and one or two financial shocks that pushed manageable spending into unmanageable debt.

State-level data also matters because the statute of limitations on credit card debt varies by state, wage garnishment rules differ, and the legal exposure you face from unpaid balances depends heavily on where you live. If you are already behind on payments, understanding your state's specific rules around collections and whether a credit card company can sue you is essential context for deciding your next move.

The Delinquency Crisis: Who Is Falling Behind?

The total debt number — $1.28 trillion — tells you how much Americans owe. The delinquency data tells you how many of them cannot keep up. And that story is getting worse.

The Top-Line Numbers

According to the Federal Reserve Bank of New York's Q4 2025 Household Debt and Credit Report, 12.7% of all outstanding credit card balances are now 90 or more days delinquent, up from 12.4% the prior quarter. The 30-day delinquency transition rate dipped slightly to 8.69%, but the serious delinquency rate (90+ days) ticked up to 7.13%.

To put these numbers in context: the 30-day delinquency rate averaged 3.70% since the Fed began tracking in 1991 and 3.44% since 2000. During the Great Recession, delinquencies peaked near 7% and stayed above 5% for nearly two years. We are not quite at financial-crisis levels in all metrics, but we are approaching them — and this time around, the unemployment rate is not 10%. It is under 5%. That tells you something important about the nature of this crisis.

It Is Hitting Younger and Lower-Income Borrowers Hardest

The Federal Reserve's own research notes that credit card delinquency transitions are being driven disproportionately by younger borrowers and lower-income households. This is not surprising when you consider the math: a 24-year-old earning $38,000 with a $3,500 balance at 24% APR faces a fundamentally different set of constraints than a 50-year-old earning $85,000 with a $9,000 balance at 19%.

Research from the Federal Reserve Bank of St. Louis paints an even more detailed picture. In the lowest-income 10% of ZIP codes, the delinquency rate climbed from 14.9% in mid-2022 to 22.8% by Q1 2025 — meaning that in the poorest neighborhoods, more than one in five dollars of credit card debt is seriously past due. Even in the highest-income 10% of ZIP codes, delinquency rates rose 73% in relative terms over the same period, climbing from 4.8% to 8.3%.

📊 The delinquency crisis is not limited to one income bracket. The St. Louis Fed found that credit card delinquency rates rose across every income group and every geography they tracked. The pace of growth has slowed since early 2024, but the overall trend is still upward, and the share of people in delinquency has now surpassed levels seen during the 2008 financial crisis — despite a significantly stronger labor market.

What Delinquency Actually Means for You

When your balance goes 30 days past due, your issuer reports it to the credit bureaus. At 60 days, the damage compounds. At 90 days, you are in "serious delinquency" and your account may be assigned to internal collections. At 120 to 180 days, most issuers charge off the debt — which does not erase what you owe but rather transfers it to third-party collections and triggers a devastating mark on your credit report.

Understanding this timeline matters because people often freeze when they start missing payments, assuming the situation is already beyond repair. It usually is not. We have detailed guides on how a missed payment impacts your score, what happens after a debt goes into default, and what your rights are when dealing with debt collectors. The key takeaway is this: the earlier you act, the more options you have. People who wait until the debt is charged off and in third-party collections have fewer negotiating positions than people who engage with the problem while the account is still with the original issuer.

The "K-Shaped" Economy in the Data

One of the most telling data points comes from how delinquency is distributed across the credit score spectrum. According to Fitch Ratings data on credit card asset-backed securities, the serious delinquency rate for prime-rated cardholders dropped to 0.91% in Q3 2025 — the lowest on record outside of the pandemic era. Meanwhile, the aggregate delinquency rate hovers around 3%. For the overall average to be that high when the majority of volume (from prime borrowers) is near zero, the delinquency rate among subprime and near-prime borrowers must be dramatically elevated.

This is the "K-shaped" economy in hard numbers. One group of Americans is handling credit card debt just fine — paying in full, accruing rewards, treating cards as a convenient payment method. Another group is sinking. And the gap between the two is wider than at any point in recent memory.

If you are in the second group, the worst thing you can do is assume your situation is unique or that there is something specifically wrong with you. There is not. The structural conditions — APRs above 21%, inflation that has outpaced wage growth for most workers, and an economy where interest rates and the cost of money are at their highest levels in decades — have created a math problem that millions of households are trying to solve simultaneously.

Why Is Credit Card Debt Rising So Fast?

The $1.28 trillion number did not come out of nowhere. Several forces are converging at once, and understanding them helps explain why so many people are in the same position.

Interest rates are punishing. The average credit card APR reached 20.97% for all cards by Q4 2025, and for cards actively accruing interest the average was 22.30%. For new card offers, the average is now 23.77%. Every dollar of debt costs more to carry than it did a few years ago, which means balances grow faster even if spending stays flat. This is what we mean when we talk about the real cost of debt — it is not just what you spent, it is what the interest turns it into. Understanding the difference between APR and interest rate and why these numbers matter for your payoff timeline can change how you prioritize which debts to tackle first.

Inflation forced people onto credit. Bankrate's 2026 survey found that 41% of credit card debtors say an emergency expense was the primary cause — medical bills, car repairs, home repairs. Another 33% pointed to everyday expenses like groceries and utilities. Only 10% cited discretionary retail purchases. The data confirms what we hear in every consultation: most people did not go on shopping sprees. They were trying to get through a rough stretch and credit was the only bridge available. Inflation and lifestyle inflation are two different forces, but both push spending upward in ways that feel invisible until the statement arrives.

Delinquencies are climbing. As detailed above, 12.7% of credit card balances are now 90+ days delinquent. Transitions into serious delinquency are being driven heavily by younger and lower-income borrowers. If you are already falling behind on payments, those delinquency numbers should tell you that plenty of other people are in the same position, and that there are well-established pathways for dealing with it.

Credit utilization is at dangerous levels. The average credit utilization rate is 29% as of 2024 — right at the threshold that credit scoring models consider the upper bound of "acceptable." For people carrying revolving balances, utilization is often much higher, and high utilization compounds the problem by lowering credit scores, which in turn makes it harder to qualify for lower-rate consolidation options. It is a feedback loop we see play out over and over. You can learn more about how this works in our article on how to negotiate a better interest rate with your current issuer — one of the few levers you can pull immediately.

📊 According to the Federal Reserve Board, the average APR for cards accruing interest fell slightly to 22.30% in Q4 2025, down from 22.83% in Q3 2025. While any decrease is welcome, this still means the average cardholder carrying a balance is paying more than $1 in interest for every $5 they owe — every single year.

What the Averages Do Not Tell You

Here is the part most statistics articles leave out: if you are reading this because you are worried about your own debt, the national average probably does not describe your situation.

The people who find their way to our site are usually not carrying $6,500. They are carrying $15,000, $25,000, sometimes $50,000 or more. The average gets pulled down by the millions of cardholders with small balances or the ones who pay in full every month. If you are carrying $20,000 and wondering whether that is "normal" — the answer is that it is more common than the headline numbers suggest, and there are concrete strategies for tackling that specific amount.

The other thing the averages obscure is the emotional weight. We regularly talk to people who compare themselves to these numbers and feel like they have failed. But when nearly half of all cardholders are carrying a balance, and the average APR is above 21%, and the median household has not seen real wage growth keep pace with costs — this is not a personal moral failure. It is a systemic squeeze. We have written about the emotional toll of carrying debt before, and the statistics only reinforce why so many people feel that pressure.

There is also a question that is worth addressing directly: how much credit card debt is too much? The answer is not a fixed number — it depends on your income, your interest rates, and whether your current payment trajectory will actually resolve the debt within a reasonable timeframe. $5,000 at 28% APR on a $30,000 income is a more dangerous position than $15,000 at 18% on a $90,000 income. The ratios matter more than the raw numbers, and understanding your debt-to-income ratio is the starting point for that calculation.

What You Can Actually Do About It

If you are reading the numbers above and recognizing your own situation, here is what we would focus on, roughly in order of escalation.

First, understand where you actually stand. Add up every card balance, every interest rate, and every minimum payment. You cannot build a plan without knowing the real total. Use our budget calculator to map out your monthly cash flow and our debt calculator to see what your current repayment trajectory looks like. Run your own income and expense evaluation to determine how much you can realistically direct toward debt each month.

If your debt is manageable but frustrating, a focused payoff strategy will get you there. The debt avalanche method (attacking the highest-interest card first) saves you the most money over time. The debt snowball method (smallest balance first) gives you quicker psychological wins. Either one works — the key is picking one and being consistent. If you have a low income and feel stuck, even modest extra payments above the minimum make a meaningful difference over time.

If your debt is high and your income cannot keep up, you are in territory where self-repayment may not be realistic within a reasonable timeframe. This is where options like credit card hardship programs, balance transfers, or debt consolidation loans come into play. Each has tradeoffs, and the right move depends on your specific balance, income, and credit profile. Be aware of what happens when a 0% introductory rate expires, because a balance transfer that does not get paid off in time can make the problem worse.

If your debt is overwhelming and you are already missing payments, that is when debt settlement or a structured debt relief program may make the most sense. We run a debt settlement company, so we will be transparent about that perspective — but we will also tell you honestly that settlement is not right for everyone. It affects your credit, it takes time, and it requires discipline. But for people who are carrying $15,000 or more in unsecured debt and cannot see a realistic path through minimum payments, it can resolve balances for significantly less than what is owed. You can read more about how the settlement process works and whether debt relief is the right fit for your situation.

📊 Here is the test we use with clients: if you cannot pay off your total credit card debt within 3 years using the avalanche or snowball method, and your total debt exceeds 40% of your annual income, self-repayment strategies alone are unlikely to get you out. That is the threshold where more comprehensive solutions — hardship programs, debt management, or settlement — typically become necessary.

The Bottom Line

American credit card debt just hit a record $1.28 trillion — more than 66% higher than the pandemic-era low just four years ago. The average balance ranges from $6,500 to $9,600 depending on your age. Almost half of cardholders are revolving a balance and paying interest every month at APRs above 21%. Delinquencies are approaching financial-crisis levels even though unemployment is low. And the burden is falling hardest on younger borrowers, lower-income households, and residents of states where the cost of living has outpaced wage growth.

These are big, structural numbers — but behind every one of them is a real person trying to figure out their next move. If that is you, the most important thing is not how you compare to the average. It is whether you have a plan. Our comprehensive guide on how to pay off credit card debt walks through every strategy and helps you determine which level of intervention your situation requires. And if you want to talk through your options with someone who does this every day, schedule a free consultation and we will help you figure out the right path forward.

FAQs

How much credit card debt does the average American have?

The average credit card balance per borrower is approximately $6,523 as of Q3 2025, according to TransUnion. However, among cardholders who are actively carrying an unpaid balance, the average is closer to $7,886. Per household, the figure ranges from $9,100 to $11,000 depending on the data source. The distinction matters because the lower numbers include people who pay in full every month and never pay a dollar in interest.

What age group has the most credit card debt?

Generation X (ages 45–60) carries the highest average credit card balance at $9,600, according to Experian's 2025 data. This is largely driven by the financial pressures of mortgages, children's education costs, and the reality that many Gen Xers are past their peak earning years while expenses remain high. Their average balance has increased by $2,600 in just three years.

Which state has the highest credit card debt?

It depends on the metric. Connecticut leads for average unpaid balance among cardholders at $9,778, according to LendingTree. Washington D.C. leads per-borrower averages at $7,684 per TransUnion data. Hawaii has the highest per-household figure at $15,052 per WalletHub's analysis. The lowest balances are in Wisconsin, Iowa, Mississippi, and West Virginia — though when adjusted for income, many low-balance Southern states actually carry a heavier relative burden.

Is $10,000 in credit card debt a lot?

It is above the national average per borrower but not uncommon — especially for people between 30 and 60 years old. The more important question is whether your income and budget allow you to pay it down within a reasonable timeframe. If minimum payments are your only option, $10,000 at a 22% APR could take well over a decade to eliminate and cost nearly as much in interest. That is when it makes sense to explore faster payoff strategies or structured programs.

What is the total credit card debt in the United States?

As of Q4 2025, Americans collectively owe $1.28 trillion in credit card debt, according to the Federal Reserve Bank of New York. This is the highest total on record and represents a roughly $500 billion increase since early 2021. Credit card debt has ballooned 66% in less than five years and is now $350 billion above the pre-pandemic record set in Q4 2019.

How much of credit card debt is caused by overspending vs. emergencies?

According to Bankrate's 2026 survey, 41% of credit card debtors cite emergency expenses (medical bills, car repairs, home repairs) as the primary cause of their debt. Another 33% point to everyday living costs like groceries and utilities. Only 10% attribute their debt primarily to discretionary retail purchases. The data is clear: the majority of credit card debt in America is not the result of irresponsible spending.

What is the credit card delinquency rate?

As of Q4 2025, 12.7% of all outstanding credit card balances are 90 or more days delinquent, according to the Federal Reserve Bank of New York. The 30-day delinquency transition rate is 8.69%. These rates are approaching levels last seen during the 2008 financial crisis, which is notable because unemployment today is dramatically lower than it was then — suggesting this is an affordability crisis rather than an employment crisis. The St. Louis Fed found that in the lowest-income ZIP codes, more than 20% of credit card debt is seriously past due.

How has credit card debt changed since the pandemic?

Total U.S. credit card debt bottomed out at $770 billion in Q1 2021, down from a pre-pandemic high of $927 billion. Since then, balances have surged 66% to $1.28 trillion by Q4 2025. The combination of fading stimulus, record inflation, and sky-high interest rates has driven the fastest accumulation of credit card debt in recorded history. The last time credit card debt decreased in a Q4 was 2010.

Sources:

• Federal Reserve Bank of New York, Quarterly Report on Household Debt and Credit (Q4 2025)
• TransUnion Consumer Credit Report (Q3 2025)
• Experian Consumer Debt Study and Credit Card Debt by Age (2025)
• LendingTree Credit Card Debt Statistics (Q3 2025)
• Bankrate 2026 Credit Card Debt Report
• Federal Reserve Board, Economic Well-Being of U.S. Households Survey (2024 data, published May 2025)
• Federal Reserve Board, Consumer Credit G.19 Report (Q4 2025)
• Federal Reserve Bank of St. Louis, "The Broad, Continuing Rise in Credit Card Delinquency" (May 2025)
• Federal Reserve Board, FEDS Notes: "Recent Dynamics of Consumer Delinquency Rates" (November 2025)
• Fitch Ratings, Credit Card ABS Performance Data (Q3 2025)
• WalletHub, Credit Card Debt Statistics by State (2025)
• WalletHub, States Adding the Most Consumer Debt (2026)