Average Credit Card Utilization (2026)
29%
Average credit utilization across US consumers
Summary
Average US credit card utilization is approximately 29% in 2026 — just at the 30% threshold that begins materially hurting credit scores. Top credit-score users keep utilization below 10%. By age, utilization peaks at 32% for ages 30-49 and drops to 21% for ages 60+. Young borrowers (under 30) average 27%.
Breakdown
Source
Experian Consumer Credit Review· As of 2026-Q1
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All Pulsafi stats are sourced from primary government data and major financial institutions. Read the full methodology and data-sources page.