Credit Card Balances

Credit card balances remained consistent over the period of April 1 – June 30, 2021, with a median 30-day balance of about $1,100 per person. Credit card balances also remained consistent with trends in the first quarter of 2021, suggesting that individuals did not dramatically change their credit card spending after they received their stimulus payments.

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Understanding the Data

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.

Total Sample

Financial Health

Household Income


Race and Ethnicity


Measurement Notes

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.

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Account Balances

Liquid account balances trended downward over the period of April 1 – June 30, 2021. This was likely due to individuals spending down high balances, which were caused by stimulus payments and tax refunds.

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Inflows and Outflows

Account inflows dropped sharply in April since the government administration of stimulus payments largely concluded, while outflows trended downward as individuals adjusted their spending accordingly.

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