Federal Reserve Data — Updated Monthly

Credit Card Statistics 2026

APR, delinquency, charge-off rates, and total revolving debt — straight from the Federal Reserve and StackEasy's proprietary bureau pull database.

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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

Bureau Data Points

695

9 issuers × 50 states × 3 bureaus

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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Credit Bureau Pull Intelligence

Which bureau does each major issuer pull? StackEasy's database covers 695 verified data points — 9 issuers across all 50 states.

🔬 StackEasy Research — community data, Doctor of Credit, MyFICO forums

View full bureau pull database by state →

Cite This Data

All Federal Reserve data is public domain. StackEasy aggregates and formats it for easy citation. Copy a pre-formatted citation or link directly to the stat.

Quick-Copy Stats

Click any stat to copy a cite-ready sentence for your article or report.

Full Citation

API & Data Downloads

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

GET https://www.stackeasy.ai/data/credit-card-stats.json

GET https://www.stackeasy.ai/api/bureau-pulls.json?state=california&issuer=Chase

Download Stats JSON Download CSV Bureau Pulls JSON Bureau Database

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 →

Bureau Pull Database — StackEasy proprietary research compiled from Doctor of Credit, MyFICO forums, r/CreditCards, and direct community reports. 695 verified data points. Updated monthly. Full methodology →

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.