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.

Data as of October 2026, Source: Federal Reserve FRED. Last updated October 1, 2026

Next update: November 1, 2026

Avg Credit Card APR

20.94%-0.22pp YoY

As of May 2026 · Fed G.19

Total Revolving Debt

$1.36T

As of July 2026 · Fed G.19

Delinquency Rate

2.85%-0.19pp YoY

As of April 2026 · Fed

Charge-Off Rate

3.82%-0.37pp YoY

As of April 2026 · Fed

Data Sources

Federal Reserve
FRED

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
May 2026 (Latest)	20.94%	-0.06pp
Feb 2026	21%	+0.03pp
Nov 2025	20.97%	-0.42pp
Aug 2025	21.39%	+0.23pp
May 2025	21.16%	-0.21pp
Feb 2025	21.37%	-0.10pp
Nov 2024	21.47%	-0.29pp
Aug 2024	21.76%	+0.25pp
May 2024	21.51%	-0.08pp
Feb 2024	21.59%	+0.12pp
Nov 2023	21.47%	+0.28pp
Aug 2023	21.19%	n/a

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
Jul 2026 (Latest)	$1357.2B ($1.357T)	+$2.8B
Jun 2026	$1354.4B ($1.354T)	+$6.7B
May 2026	$1347.7B ($1.348T)	-$2.2B
Apr 2026	$1349.9B ($1.350T)	+$11.7B
Mar 2026	$1338.2B ($1.338T)	+$11.1B
Feb 2026	$1327.1B ($1.327T)	+$1.1B
Jan 2026	$1326.0B ($1.326T)	+$1.7B
Dec 2025	$1324.3B ($1.324T)	+$8B
Nov 2025	$1316.3B ($1.316T)	-$0.8B
Oct 2025	$1317.1B ($1.317T)	+$4.4B
Sep 2025	$1312.7B ($1.313T)	+$4.4B
Aug 2025	$1308.3B ($1.308T)	n/a

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
Apr 2026 (Latest)	2.85%	-0.06pp
Jan 2026	2.91%	-0.04pp
Oct 2025	2.95%	-0.04pp
Jul 2025	2.99%	-0.05pp
Apr 2025	3.04%	-0.01pp
Jan 2025	3.05%	-0.03pp
Oct 2024	3.08%	-0.12pp
Jul 2024	3.2%	-0.02pp
Apr 2024	3.22%	+0.05pp
Jan 2024	3.17%	+0.07pp
Oct 2023	3.1%	+0.15pp
Jul 2023	2.95%	n/a

Credit Card Charge-Off Rate

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

📊 FRED Series CORCCACBS: View on FRED →

Period	Charge-Off Rate	Quarter-over-Quarter
Apr 2026 (Latest)	3.82%	+0.00pp
Jan 2026	3.82%	-0.27pp
Oct 2025	4.09%	-0.09pp
Jul 2025	4.18%	-0.01pp
Apr 2025	4.19%	-0.25pp
Jan 2025	4.44%	-0.13pp
Oct 2024	4.57%	-0.12pp
Jul 2024	4.69%	+0.13pp
Apr 2024	4.56%	+0.16pp
Jan 2024	4.4%	+0.22pp
Oct 2023	4.18%	+0.42pp
Jul 2023	3.76%	n/a

Cite This Data

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Avg Credit Card APR

20.94%

Total Revolving Debt

$1.36T

Delinquency Rate

2.85%

Charge-Off Rate

3.82%

Full Citation

According to StackEasy's credit card statistics (sourced from Federal Reserve FRED data, updated October 2026), the average credit card APR is 20.94%, total revolving credit outstanding is $1.36T, the delinquency rate is 2.85%, and the charge-off rate is 3.82%. Source: https://www.stackeasy.ai/credit-card-statistics/

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

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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 to 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.

Who compiles this page: StackEasy aggregates and formats the Federal Reserve data above. Read about StackEasy and the press page for founder Troy Johnston.

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.