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Money
What percentage of Americans with a credit card carried an unpaid credit card balance most or all of the time in the past year?
21.8% of Americans with a credit card carried an unpaid credit card balance most or all of the time in the past year - about 22 in every 100, or 2 in 10. That is the figure published by the Survey of Household Economics and Decisionmaking for 2025.
0 in 100100 in 100
21.8
Where this number comes from
- Survey
- Survey of Household Economics and Decisionmaking
- What it measured
- SHED 2025 item C4A (“In the past 12 months, how frequently have you carried an unpaid balance on one or more of your credit cards?”), counting responses 3=Most or all of the time, among adults with at least one credit card (C2A = Yes). Computed from the Federal Reserve's public-use microdata with its post-stratification weight WEIGHT. The public file has no design variables or replicate weights, so the standard error follows the Fed's documented design effect: SE = √(deff · p(1−p)/n), deff = 1.14 (the Fed's 1.14, or the Kish design effect of these weights if larger); unweighted n = 10,759.
- Population
- U.S. adults with a credit card
- Year
- 2025
- 95% confidence interval
- 20.97% to 22.63% (derived from the published standard error)
Board of Governors of the Federal Reserve System, public-use data (doi:10.17016/datasets.002). Percentages computed here, with attribution.. See the source data
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