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K-shaped Economic Divergence
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U.S. credit card balances have risen to $1.26 trillion, with analysis suggesting that high-income earners are voluntarily taking on debt, while low-income earners are either forced to or unable to borrow, highlighting a K-shaped economic divergence.
New York Fed data shows that US credit card balances have increased from $1.21 trillion to $1.26 trillion since Q2 2025. Experian data also indicates a slight rise in the average consumer credit card
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U.S. credit card balances have risen to $1.26 trillion, with analysis suggesting that high-income earners are voluntarily taking on debt, while low-income earners are either forced to or unable to borrow, highlighting a K-shaped economic divergence.
New York Fed data shows that US credit card balances have increased from $1.21 trillion to $1.26 trillion since Q2 2025. Experian data also indicates a slight rise in the average consumer credit card
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K-shaped Economic Divergence
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