U.S. credit card debt rose by $16 billion in 2025, reaching $1.33 trillion, with slower growth than in 2024.

U.S. consumers added $16 billion in credit card debt in 2025, bringing the national total to $1.33 trillion, according to WalletHub. This marks a 27% drop in debt growth compared to the same period in 2024, with October 2025 levels 8% below the inflation-adjusted monthly peak. The average household debt rose slightly to $11,097. Experts warn that missing payments for over 180 days can lead to default, harming credit and limiting future borrowing. They recommend making minimum payments, budgeting, seeking payment plans or credit counseling, and considering balance transfers—though fees may apply. Bankruptcy should be a last resort.