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Even as household income and employment rates are ticking up in the U.
If you look at the total credit card balances among U. households, the figure appears astronomical — 8 billion.
But that figure includes households that are paying their credit debt in full each month as well as those that are carrying a balance from month to month.
While credit balances are increasing, the amount of debt that households are carrying from month to month is somewhat lower than it was leading up to the 2008 financial crisis.
The total of credit card balances for households that actually carry debt from month to month is 2 billion.
As of the third quarter of 2017, households with credit card debt owed an average of ,683 And as household incomes have risen in recent years, this has helped to lower the ratio of credit card debt to income.