Revolving Credit Utilization (75th Percentile)
Tracking worsening relative to recent baseline.
What is the current Revolving Credit Utilization (75th Percentile)?
Borrowers at the 75th percentile of credit card utilization are using 52.49% of their available revolving credit, according to Federal Reserve data. High utilization — typically above 30% — signals financial strain and reduces credit scores, creating a feedback loop where stressed borrowers face higher rates and reduced access to credit. Source: NY Fed Consumer Credit Panel.
Revolving Credit Utilization (75th Percentile) rising to 52.5%
Tracking worsening relative to recent baseline.
Explore Further
How has Revolving Credit Utilization (75th Percentile) changed over time?
| Period | Value | YoY Change |
|---|---|---|
| Q3 2025 | 52.49% | −1.1 pts |
| Q2 2025 | 51.82% | −1.0 pts |
| Q1 2025 | 51.67% | −1.1 pts |
| Q4 2024 | 55.18% | −0.6 pts |
| Q3 2024 | 53.57% | +0.4 pts |
| Q2 2024 | 52.78% | +1.6 pts |
| Q1 2024 | 52.73% | +3.0 pts |
| Q4 2023 | 55.8% | +3.6 pts |
| Q3 2023 | 53.15% | +5.0 pts |
| Q2 2023 | 51.15% | +5.8 pts |
| Q1 2023 | 49.71% | +6.7 pts |
| Q4 2022 | 52.17% | +6.4 pts |
Frequently Asked Questions
What does 75th percentile credit utilization mean?
It means that one-quarter of borrowers are using more than 52.49% of their available revolving credit. Financial advisors generally recommend keeping utilization below 30%. At 52%+, borrowers are more than halfway to maxing out their available credit.
Why does high utilization matter?
High utilization is both a symptom and a cause of financial distress. It signals that borrowers are relying heavily on available credit, and it damages credit scores, which leads to higher interest rates and reduced credit access — creating a downward spiral.
Where does this data come from?
The New York Fed Consumer Credit Panel provides credit utilization data by percentile, drawn from a nationally representative sample of Equifax consumer credit reports.
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