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. Debt Balance Credit Cards in the United States averaged 0.82 Trillion USD from 2003 until 2025, reaching an all time high of 1.28 Trillion USD in the fourth quarter of 2025 and a record low of 0.66 Trillion USD in the first quarter of 2014. source: Federal Reserve Bank of New York

Related	Last	Previous	Unit	Reference
Credit Card Accounts	648.10	642.31	Million	Dec 2025
Debt Balance Auto Loans	1.67	1.66	Trillion USD	Dec 2025
Debt Balance Credit Cards	1.28	1.23	Trillion USD	Dec 2025
Debt Balance Mortgages	13.17	13.07	Trillion USD	Dec 2025
Debt Balance Student Loans	1.66	1.65	Trillion USD	Dec 2025
Total Household Debt	18.80	18.59	USD Trillion	Dec 2025

United States Debt Balance Credit Cards

The New York Fed has designed and established the Consumer Credit Panel, a dataset on household liabilities based on consumer credit data. The Consumer Credit Panel provides detailed quarterly data on a panel of US consumers from 1999 through the present. The unique sampling design provides a random, nationally representative 5% sample of US consumers as well as the members of their households with a credit report.