{
  "meta": {
    "slug": "revolving-credit-utilization-75th-percentile",
    "name": "Revolving Credit Utilization (75th Percentile)",
    "branded_name": null,
    "description": null,
    "source": "Federal Reserve Bank of Philadelphia data retrieved via FRED",
    "source_credit": null,
    "source_url": "https://fred.stlouisfed.org/series/RCCCBACTIVEUTILPCT75",
    "frequency": "quarterly",
    "units": "percent",
    "fred_series_id": "RCCCBACTIVEUTILPCT75",
    "fred_edge_series_id": null,
    "bls_series_id": null,
    "series_id": null,
    "measurement_basis": null,
    "door": 3,
    "trend": "falling",
    "trend_suppressed": null,
    "series_breaks": [],
    "direction": "higher_is_worse",
    "last_updated": "2026-10-07T00:00:00Z",
    "stale": false,
    "stale_reason": null,
    "data_status": "current",
    "page_url": "https://americandefault.org/indicators/revolving-credit-utilization-75th-percentile/",
    "attribution": "American Default (americandefault.org) — Our analysis is free to use with attribution to American Default Research. Source data stays under each publisher's terms; cite the source named here."
  },
  "current": {
    "value": 49.67,
    "date": "2026-04-01"
  },
  "last_verified": null,
  "data": [
    {
      "date": "2012-07-01",
      "value": 59.7
    },
    {
      "date": "2012-10-01",
      "value": 61.11
    },
    {
      "date": "2013-01-01",
      "value": 57.12
    },
    {
      "date": "2013-04-01",
      "value": 53.22
    },
    {
      "date": "2013-07-01",
      "value": 53.35
    },
    {
      "date": "2013-10-01",
      "value": 55.46
    },
    {
      "date": "2014-01-01",
      "value": 51.87
    },
    {
      "date": "2014-04-01",
      "value": 52.75
    },
    {
      "date": "2014-07-01",
      "value": 55.32
    },
    {
      "date": "2014-10-01",
      "value": 57.02
    },
    {
      "date": "2015-01-01",
      "value": 53.1
    },
    {
      "date": "2015-04-01",
      "value": 53.55
    },
    {
      "date": "2015-07-01",
      "value": 56.58
    },
    {
      "date": "2015-10-01",
      "value": 57.95
    },
    {
      "date": "2016-01-01",
      "value": 53.85
    },
    {
      "date": "2016-04-01",
      "value": 54.02
    },
    {
      "date": "2016-07-01",
      "value": 56.22
    },
    {
      "date": "2016-10-01",
      "value": 58.93
    },
    {
      "date": "2017-01-01",
      "value": 54.52
    },
    {
      "date": "2017-04-01",
      "value": 55.05
    },
    {
      "date": "2017-07-01",
      "value": 56.28
    },
    {
      "date": "2017-10-01",
      "value": 58.21
    },
    {
      "date": "2018-01-01",
      "value": 53.68
    },
    {
      "date": "2018-04-01",
      "value": 55.61
    },
    {
      "date": "2018-07-01",
      "value": 56.37
    },
    {
      "date": "2018-10-01",
      "value": 56.49
    },
    {
      "date": "2019-01-01",
      "value": 52.26
    },
    {
      "date": "2019-04-01",
      "value": 52.5
    },
    {
      "date": "2019-07-01",
      "value": 53.26
    },
    {
      "date": "2019-10-01",
      "value": 56.51
    },
    {
      "date": "2020-01-01",
      "value": 52.71
    },
    {
      "date": "2020-04-01",
      "value": 45.56
    },
    {
      "date": "2020-07-01",
      "value": 44.97
    },
    {
      "date": "2020-10-01",
      "value": 47.78
    },
    {
      "date": "2021-01-01",
      "value": 41.77
    },
    {
      "date": "2021-04-01",
      "value": 40.91
    },
    {
      "date": "2021-07-01",
      "value": 41.9
    },
    {
      "date": "2021-10-01",
      "value": 45.81
    },
    {
      "date": "2022-01-01",
      "value": 43.02
    },
    {
      "date": "2022-04-01",
      "value": 44.17
    },
    {
      "date": "2022-07-01",
      "value": 47.37
    },
    {
      "date": "2022-10-01",
      "value": 51.37
    },
    {
      "date": "2023-01-01",
      "value": 48.98
    },
    {
      "date": "2023-04-01",
      "value": 50.43
    },
    {
      "date": "2023-07-01",
      "value": 52.34
    },
    {
      "date": "2023-10-01",
      "value": 55
    },
    {
      "date": "2024-01-01",
      "value": 51.86
    },
    {
      "date": "2024-04-01",
      "value": 51.86
    },
    {
      "date": "2024-07-01",
      "value": 52.61
    },
    {
      "date": "2024-10-01",
      "value": 54.25
    },
    {
      "date": "2025-01-01",
      "value": 50.75
    },
    {
      "date": "2025-04-01",
      "value": 50.91
    },
    {
      "date": "2025-07-01",
      "value": 51.51
    },
    {
      "date": "2025-10-01",
      "value": 53.09
    },
    {
      "date": "2026-01-01",
      "value": 49.63
    },
    {
      "date": "2026-04-01",
      "value": 49.67
    }
  ]
}