Summary
In the third quarter of 2025, U.S. credit card debt increased to $1.23 trillion, which is up by $24 billion from the previous quarter. The average credit card debt per household now exceeds $11,000. This rise in debt is happening as household incomes struggle to keep up with higher living costs.
Key Facts
- U.S. credit card debt reached $1.23 trillion in the third quarter of 2025.
- This is an increase of $24 billion from the previous quarter.
- Average household credit card debt is more than $11,000.
- Total household debt grew by $197 billion, reaching $18.6 trillion.
- The average American's credit card debt was $6,523 at the end of September 2025.
- The number of credit cards in use has increased by about 60 million.
- Delinquency rates for payments over 90 days late rose to 2.4%.
- Washington, D.C. has the highest average credit card balance at $7,684.
