U.S. household debt and loan delinquencies rise
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AI-assisted source synthesis · not an independent investigation.
On October 12, 2026, PYMNTS, citing the Federal Reserve’s latest Survey of Consumer Finances, reported that between 2022 and 2025, the proportion of U.S. households reporting delinquent loan payments rose from approximately 12% to nearly 20%. During the same period, the net worth of households in the lowest quartile fell from $3,800 to $1,700, while the proportion of households using buy now, pay later services rose from 7% to 12%. On October 16, Payments Dive further reported that during the same period, average U.S. household credit card debt increased by $150, or 5%, to $3,100; the median credit card debt increased by $1,300 to reach $8,000, and the average credit card interest rate rose from 14.6% to 21.4%. The report also confirmed that the proportion of households reporting delinquent loan payments rose from approximately 12% to nearly 20%.
AI-written from reports · updated 3 days ago
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- Payments DiveUS credit card debt rises slightly
A Federal Reserve survey shows that average household credit card debt in the US increased by $150, or 5%, from 2022 to 2025, rising to $3,100; median debt increased by $1,300 to $8,000. During the same period, the average credit card interest rate rose from 14.6% to 21.4%, while the share of households reporting late loan payments increased from about 12% to nearly 20%.
- PYMNTSFederal Reserve数据显示，近20%的美国家庭拖欠贷款
Federal Reserve最新Survey of Consumer Finances显示，报告贷款还款逾期的美国家庭比例从约12%升至近20%，反映通胀与高利率下的债务压力加剧。该调查覆盖2022年至2025年；最低四分之一家庭净资产由$3,800降至$1,700，使用先享后付服务的家庭比例则从7%升至12%。
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