The Federal Reserve Bank of New York confirmed it this week: $1.28 trillion in outstanding credit card balances as of Q4 2025. A record. The number that matters more: 55% of those balances cover essential expenses.
The NY Fed calls it a K-shaped economy. Delinquency rates are declining for affluent cardholders and rising in low-income zip codes. Same credit card, different realities.
We broke down every number — by state, by generation, by income bracket — in our full credit card statistics report. Gen X carries the most. Iowa carries the least. Alaska carries the most per household. And a cardholder with the average $7,886 balance pays $1,759/year in interest at 22.30% APR.
Full breakdown with charts and state data
This content is for informational purposes only and should not be considered financial, investment, or trading advice. Cryptocurrency and financial markets are highly volatile and carry significant risk. Always do your own research (DYOR) and consult with a qualified financial advisor before making any investment decisions. Past performance does not guarantee future results.