US Credit Statistics

  • There were 170 million credit card holders in the United States in 2014 and that number has grown from 152 million Americans in 2010;
  • There are 610 million credit cards in circulation in the United States;
  • Average credit card debt per household: $7,117;
  • Total US Revolving Debt (98% is credit card debt): $906.7 billion dollars;
  • US Credit Card 60-day Delinquency Rate: 4.27 percent;
  • 26 percent of Americans, or more than 58 million adults, admit to not paying all of their bills on time;
  • The mean, or average, unpaid credit card balance July 2015 was $7,768;
  • About 39 percent of consumers carried an unpaid balance in the past 12 months;
  • Average credit card debt per U.S. adult, excluding zero-balance cards and store cards: $4,878.43
  • Average debt per credit card that usually carries a balance: $8,220.44
  • Average debt per credit card that doesn’t usually carry a balance: $1,037.44
  • Average number of cards held by cardholders: 3.7 as of the end of 2009
  • Average APR on credit card with a balance on it: 13.01 in Q1, 2013
    Total U.S. outstanding revolving debt: $856.5 billion as of May 2013
  • Total U.S. outstanding consumer debt: $2.8 trillion as of May 2013
    Charge-off rate on credit card loans from top 100 banks: 3.87 percent as of Q1 2013