Line
Credit Card Utilization
Total U.S. credit card balances as a % of total card limits
Plays the chart through its history. Pauses are where the data set a record or moved most.
New York Fed Consumer Credit Panel/Equifax, Quarterly Report on Household Debt and Credit.
How much of their card credit Americans are using. It rose in the financial crisis as lenders cut limits, and shows how much headroom households have left.
What this chart reads
- Credit Card Utilization: Balances as a Share of Limits (NY Fed)as “Balances as a share of limits”latest 2026-06-30
Sources
Credit Card Utilization: Balances as a Share of Limits (NY Fed). Source: Federal Reserve Bank of New York, Quarterly Report on Household Debt and Credit, data workbook (Page 10, Credit Limit and Balance for Credit Cards and HE Revolving), built on the New York Fed Consumer Credit Panel / Equifax. Used under the New York Fed's terms (business use with attribution). Source: New York Fed Consumer Credit Panel/Equifax. Refreshed, which re-reads the full history from the newest workbook.
Charts are drawn from Palanor's signal library and recomputed from source data on every view. Transformations (changes, indexing, year-on-year rates) are Palanor's.