How Does Your Credit Card Bill Stack Up Against the US Average Today?

Key Takeaways The average credit card balance per consumer in the U.S. was $6,523 in the third quarter of 2025. Total U.S. credit card debt hit a record $1.23 trillion in the third quarter of 2025. Keeping debt in check starts with limiting spending, making extra payments when you can, focusing on the highest-interest debt first, and committing to reducing balances over time. If your credit card bill keeps rising month after month, you’re not alone. Many Americans have seen their balances grow a ...