These graphs display trends from the Pulse transactional data set over the period of April 1 – June 30, 2021. Place your cursor over a trend line to view the date, category, median value, 95% confidence interval, and sample size for the given data. Given sample sizes and confidence intervals, these data should be viewed as directional and illustrative in nature. Only trends that are statistically significant within a 95% confidence interval are described in the summary above. Graph lines are smoothed and may not completely track to daily values.

Credit card balances are calculated as the total over a past 30-day rolling period for each day, starting with April 1, 2021. The median of the sample is calculated on each day and lowess smoothing is applied with a 10% smoothing window to derive the trend lines shown in the chart. Only the credit card accounts that satisfy the inclusion criteria for this data set are included in this sample. Demographic variables (i.e., household income, race and ethnicity, gender, ability, and financial health tier) are determined using data from Pulse surveys. The demographic composition of the sample broadly aligns with the population of the United States using online banking. Click here for a complete methodology overview.