---
title: "Revolving Credit Utilization (75th Percentile)"
slug: revolving-credit-utilization-75th-percentile
summary: "The 75th-percentile credit card account was using 49.7% of its limit in Q2 2026, down 1.2 percentage points from a year earlier"
category: "Savings"
unit: percent
frequency: quarterly
direction: higher_is_worse
latest_value: 49.67
latest_period: "2026-Q2"
trend: falling
last_updated: "2026-10-07T00:00:00Z"
source: "Federal Reserve Bank of Philadelphia data retrieved via FRED"
source_url: https://fred.stlouisfed.org/series/RCCCBACTIVEUTILPCT75
canonical_html: https://americandefault.org/indicators/revolving-credit-utilization-75th-percentile/
citation_apa: "Kilburn, R. (2026). Revolving Credit Utilization (75th Percentile) [Data set]. American Default Research. https://americandefault.org/indicators/revolving-credit-utilization-75th-percentile/"
citation_chicago: "Kilburn, Ross. 2026. \"Revolving Credit Utilization (75th Percentile).\" American Default Research. https://americandefault.org/indicators/revolving-credit-utilization-75th-percentile/."
citation_mla: "Kilburn, Ross. \"Revolving Credit Utilization (75th Percentile).\" American Default Research, 2026, americandefault.org/indicators/revolving-credit-utilization-75th-percentile/."
---

# Revolving Credit Utilization (75th Percentile)

> The 75th-percentile credit card account was using 49.7% of its limit in Q2 2026, down 1.2 percentage points from a year earlier

## Current Reading

As of 2026-Q2, Revolving Credit Utilization (75th Percentile) is **49.67%** (falling — improving for households).

of its credit limit in use, for the card account at the 75th percentile at large banks

## What Changed

- The 75th-percentile credit card account at large banks was using 49.7% of its limit in Q2 2026. That is down 1.2 percentage points from 50.9% in Q2 2025.
- It has been lower than a year earlier for seven quarters in a row.

## Recent Values

| Period | Value |
|--------|-------|
| 2026-Q2 | 49.67% |
| 2026-Q1 | 49.63% |
| 2025-Q4 | 53.09% |
| 2025-Q3 | 51.51% |
| 2025-Q2 | 50.91% |
| 2025-Q1 | 50.75% |
| 2024-Q4 | 54.25% |
| 2024-Q3 | 52.61% |
| 2024-Q2 | 51.86% |
| 2024-Q1 | 51.86% |
| 2023-Q4 | 55% |
| 2023-Q3 | 52.34% |

## Historical Context

- Peak since 2012: **61.11%** in Q4 2012
- Low since 2012: **40.91%** in Q2 2021
- Pre-pandemic average (2015-01 – 2019-12): **55.25%**
- Post-pandemic average (2020-01 – 2024-12): **48.23%**

## Methodology

This indicator carries quarterly observations and is interpreted as higher values indicate worse household conditions. Source: Federal Reserve Bank of Philadelphia data retrieved via FRED.
Automation: collected automatically on the daily refresh pipeline, with no hand entry.

## Source

Federal Reserve Bank of Philadelphia data retrieved via FRED — [https://fred.stlouisfed.org/series/RCCCBACTIVEUTILPCT75](https://fred.stlouisfed.org/series/RCCCBACTIVEUTILPCT75)

Data retrieved: 2026-10-07T00:00:00Z

## Related Indicators

- [falling-behind](https://americandefault.org/indicators/falling-behind/)

## Machine-Readable Endpoints

- HTML page: https://americandefault.org/indicators/revolving-credit-utilization-75th-percentile/
- JSON: https://americandefault.org/api/indicators/revolving-credit-utilization-75th-percentile.json
- CSV: https://americandefault.org/api/downloads/revolving-credit-utilization-75th-percentile.csv
- BibTeX: https://americandefault.org/citations/revolving-credit-utilization-75th-percentile.bib
- RIS: https://americandefault.org/citations/revolving-credit-utilization-75th-percentile.ris

## Citation

**APA 7th**

    Kilburn, R. (2026). Revolving Credit Utilization (75th Percentile) [Data set]. American Default Research. https://americandefault.org/indicators/revolving-credit-utilization-75th-percentile/

**Chicago (author-date)**

    Kilburn, Ross. 2026. "Revolving Credit Utilization (75th Percentile)." American Default Research. https://americandefault.org/indicators/revolving-credit-utilization-75th-percentile/.

**MLA 9th**

    Kilburn, Ross. "Revolving Credit Utilization (75th Percentile)." American Default Research, 2026, americandefault.org/indicators/revolving-credit-utilization-75th-percentile/.

Use **American Default Research** as the institutional name in source lists, bibliographies, and press citations. **American Default** is the brand and URL form. **American Distress Index (ADI)** is the product name for the national composite score.