Mean & Median Values of Credit Card Balances for Families with a Credit Card Balance Greater Than Zero — Adjusted for Inflation

	2007	2004	2001	1998	1995	1992	1989
Mean	$7,300	$5,600	$4,800	$5,200	$4,000	$3,300	$3,000
Median	$3,000	$2,400	$2,200	$2,200	$2,000	$1,400	$1,400

(Source: Federal Reserve)

• The wide spread between the 2007 mean and median values suggests that at the time 50 percent or more of American families had credit card balances of over $11,600.

The Average Amount of Money Owed Per Individual on Revolving Credit Accounts (e.g. credit cards) and Fixed Payment Accounts (e.g. auto loans):

Region	Amount per Person (excludes real estate mortgages)
Pacific	$20,175
New England	$19,352
Mountain	$18,049
Middle Atlantic	$17,422
South Atlantic	$16,240
East North Central	$15,274
West North Central	$14,659
West South Central	$14,288
East South Central	$13,002
US National	$16,649

Average Minimum Monthly Payments:

Region	Amount per Person (excludes real estate mortages)
Pacific	$966
New England	$924
Mountain	$869
Middle Atlantic	$813
South Atlantic	$789
East North Central	$732
West North Central	$744
West South Central	$712
East South Central	$594
US National	$801

(Source: Experian National Score Index, June 2011)

Quarterly Credit Card Balance, Available Credit, and Credit Limit
 (in Trillions):

Year & Quarter	Credit Card Balance	Credit Card Available Credit	Credit Card Limit
99:Q1	0.48	1.05	1.53
99:Q2	0.49	0.90	1.38
99:Q3	0.50	1.22	1.71
99:Q4	0.51	1.25	1.75
00:Q1	0.52	1.27	1.79
00:Q2	0.54	1.32	1.86
00:Q3	0.53	1.41	1.94
00:Q4	0.58	1.57	2.15
01:Q1	0.60	1.63	2.23
01:Q2	0.61	1.54	2.15
01:Q3	0.63	1.58	2.21
01:Q4	0.64	1.67	2.31
02:Q1	0.63	1.68	2.31
02:Q2	0.66	1.78	2.44
02:Q3	0.68	1.81	2.49
02:Q4	0.69	1.86	2.55
03:Q1	0.69	1.86	2.55
03:Q2	0.69	1.87	2.56
03:Q3	0.69	1.86	2.55
03:Q4	0.70	1.87	2.57
04:Q1	0.70	1.88	2.57
04:Q2	0.70	1.90	2.60
04:Q3	0.71	1.89	2.60
04:Q4	0.72	2.14	2.86
05:Q1	0.71	2.18	2.89
05:Q2	0.72	2.25	2.97
05:Q3	0.73	2.33	3.06
05:Q4	0.74	2.35	3.09
06:Q1	0.72	2.40	3.12
06:Q2	0.74	2.41	3.15
06:Q3	0.75	2.38	3.13
06:Q4	0.77	2.29	3.06
07:Q1	0.76	2.29	3.05
07:Q2	0.80	2.52	3.32
07:Q3	0.82	2.57	3.39
07:Q4	0.84	2.62	3.46
08:Q1	0.84	2.58	3.42
08:Q2	0.85	2.82	3.67
08:Q3	0.86	2.84	3.70
08:Q4	0.87	2.66	3.53
09:Q1	0.84	2.43	3.27
09:Q2	0.82	2.22	3.04
09:Q3	0.81	2.12	2.93
09:Q4	0.80	2.07	2.87
10:Q1	0.76	2.00	2.76
10:Q2	0.74	1.95	2.70
10:Q3	0.73	1.95	2.68
10:Q4	0.73	1.93	2.66
11:Q1	0.70	2.00	2.69
11:Q2	0.694	2.053	2.747
11:Q3	0.693	2.029	2.722
11:Q4	0.704	2.116	2.820

(Source: FRBNY Consumer Credit Panel/Equifax)