Federal Reserve Data — Updated Monthly

Credit Card Statistics 2026

Name: U.S. Credit Card Statistics — APR, Delinquency, Charge-Off, Revolving Credit
Creator: StackEasy

APR, delinquency, charge-off rates, and total revolving debt — straight from the Federal Reserve.

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Avg Credit Card APR

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Federal Reserve G.19, quarterly

Total Revolving Debt

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Outstanding in the U.S., monthly

Delinquency Rate

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CC loans 30+ days past due, quarterly

Charge-Off Rate

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CC loans written off, quarterly

Data Sources

Fed FRED
+ StackEasy

Free to cite · Updated monthly

Average Credit Card APR — Trend

Commercial bank credit card interest rate, not seasonally adjusted. Published quarterly by the Federal Reserve.

📊 FRED Series TERMCBCCALLNS — View on FRED →

Period	Avg APR	Quarter-over-Quarter
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Total Revolving Consumer Credit Outstanding

Seasonally adjusted. Primarily credit cards. Published monthly by the Federal Reserve.

📊 FRED Series REVOLSL — View on FRED →

Month	Outstanding	Month-over-Month
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Credit Card Delinquency Rate

Percentage of credit card loans 30+ days past due at commercial banks. Seasonally adjusted. A rising delinquency rate signals increasing consumer financial stress.

📊 FRED Series DRCCLACBS — View on FRED →

Period	Delinquency Rate	Quarter-over-Quarter
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Credit Card Charge-Off Rate

Percentage of credit card loans written off as uncollectible. Seasonally adjusted. Charge-offs lag delinquencies by 1–2 quarters and indicate actual credit losses.

📊 FRED Series CORCCACBS — View on FRED →

Period	Charge-Off Rate	Quarter-over-Quarter
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API & Data Downloads

All data is freely available via JSON API. Updated monthly. No API key required.

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Methodology & Sources

Data Sources

Average Credit Card APR — Federal Reserve G.19 Consumer Credit release, FRED series TERMCBCCALLNS. Quarterly. Covers all commercial banks, not seasonally adjusted. FRED source →

Revolving Credit Outstanding — Federal Reserve G.19, FRED series REVOLSL. Monthly, seasonally adjusted. Primarily credit card debt; also includes revolving home equity and personal lines. FRED source →

Credit Card Delinquency Rate — Federal Reserve Charge-Off and Delinquency Rates release, FRED series DRCCLACBS. Quarterly, seasonally adjusted. Percentage of balances 30+ days past due. FRED source →

Credit Card Charge-Off Rate — Federal Reserve, FRED series CORCCACBS. Quarterly, seasonally adjusted. Annualized rate of balances written off as uncollectible. Lags delinquency by 1–2 quarters. FRED source →

Credit bureau pull patterns — Our credit bureau pull guide summarizes publicly reported patterns compiled from Doctor of Credit, issuer materials, and community reports like the MyFICO forums. It is not a StackEasy-run survey or live database; treat it as the best available signal, not a guarantee.

Update cadence — Data regenerates automatically on the 1st of each month at 10:00 UTC, pulling the latest FRED releases. FRED typically publishes quarterly data within 5 business days of each quarter end.