“K型经济”分化显著！美国居民信用卡债务升至1.28万亿创历史新高

Group 1 - The total household debt in the U.S. is projected to reach a record high by the end of 2025, with credit card balances increasing by $44 billion to $1.28 trillion, marking a year-over-year growth of 5.5% [1] - Consumer confidence regarding financial improvement over the next year has declined, with a rising percentage of respondents expecting their financial situation to worsen, indicating weakening household financial confidence [1] - The phenomenon of a "K-shaped economy" is highlighted, where some groups maintain strong economic conditions while others face significant difficulties, reflected in rising default rates on auto loans, credit cards, and home equity lines of credit [1] Group 2 - Credit cards have become one of the most expensive financing options in the current interest rate environment, with the average credit card interest rate around 20% [2] - Approximately 60% of credit card users carry a balance into the next month, incurring high-interest costs, while 55% of consumers rely on credit card balances to cover basic living expenses [2] - The ongoing economic situation is exacerbating the wealth gap, with affluent individuals largely unaffected by short-term financial shocks, while others face difficult trade-offs between debt repayment and essential expenditures [2]