Debt Management Feb 25, 2026

America's Credit Card Debt Just Hit a Record $1.28 Trillion as Total Household Borrowing Reached $18.8 Trillion, and the Delinquency Data Reveals a Consumer Economy Fracturing Along Income Lines

The New York Fed's latest household debt report reveals total borrowing hit $18.8 trillion in Q4 2025, with credit card balances at a record $1.28 trillion and delinquency rates surging among younger borrowers.

The Money Unlock Editorial Team 8 min read

Debt Management Feb 23, 2026

Consumer Delinquencies Just Hit Their Highest Level in Nearly a Decade, and the Stress Is Spreading Across Every Category of American Household Debt

US consumer delinquencies rose to 4.8% of all outstanding household debt in Q4 2025, the highest level since 2017, with stress spreading from credit cards to auto loans, student debt, and even mortgages.

The Money Unlock Editorial Team 8 min read

Debt Management Feb 18, 2026

The CBO Just Projected a $1.9 Trillion Federal Deficit for 2026 and Warned That National Debt Will Surpass the World War II Record Within Four Years

The Congressional Budget Office projects federal debt will hit 108% of GDP by 2030 and 120% by 2036, surpassing the World War II record. Deficits will total $24.4 trillion over the next decade.

The Money Unlock Editorial Team 8 min read

Debt Management Feb 15, 2026

Credit Card Debt Has Hit a Record $1.28 Trillion and More Than Half of Cardholders Are Now Using Plastic to Cover Groceries, Rent, and Medical Bills

The New York Fed reports that American credit card balances hit $1.28 trillion in Q4 2025, the highest on record, as more than half of cardholders now rely on revolving debt to cover necessities like groceries and healthcare.

The Money Unlock Editorial Team 8 min read

Debt Management Feb 11, 2026

America's $18.8 Trillion Household Debt Mountain Just Reached a Record High, and the Cracks Are Spreading Fast

The New York Fed's latest household debt report reveals total US consumer debt hit $18.8 trillion in Q4 2025, with credit card delinquencies climbing to their highest level in nearly a decade.

The Money Unlock Editorial Team 8 min read

Debt Management Feb 10, 2026

Consumer Delinquencies Jump to Their Highest Level in Almost a Decade as $1.2 Trillion in Credit Card Debt Tests America's Financial Resilience

US consumer delinquencies have risen to 4.8% of all household debt, the highest since 2017. Credit card balances hit a record $1.233 trillion as younger and lower-income borrowers face mounting pressure.

The Money Unlock Editorial Team 8 min read

Debt Management Feb 6, 2026

America's Credit Card Debt Hits Record $1.2 Trillion as Nearly Half of Cardholders Expect Balances to Grow in 2026

US credit card debt has surged to a record $1.2 trillion as average household balances top $11,000 and 47% of cardholders expect their debt to increase in 2026, raising alarms about consumer financial health.

The Money Unlock Editorial Team 8 min read

Debt Management Feb 4, 2026

Credit Card Debt Hits Record $1.23 Trillion as 61% of Americans Carry Balances for Over a Year

American credit card debt has reached an all-time high of $1.23 trillion, with 61% of cardholders carrying balances for over a year and median rates at 25.3%.

The Money Unlock Editorial Team 8 min read

Debt Management Jan 9, 2026

Credit Card Debt Hits $1.233 Trillion: Americans Are Cutting Back to Cope

American credit card balances have reached a record $1.233 trillion, with 41% of cardholders delaying major purchases. Here's how to navigate the debt crisis.

The Money Unlock Editorial Team 8 min read

Debt Management Jan 6, 2026

America's Credit Card Debt Hits $1.23 Trillion: What the Record Balance Means for Your Finances

Americans now owe $1.23 trillion on credit cards, up 5.75% from last year. With average APRs above 21%, here's what consumers need to know about managing high-interest debt in 2026.

The Money Unlock Editorial Team 8 min read

Debt Management Jan 4, 2026

The BNPL Reckoning: Why Buy Now, Pay Later Debt Could Spark the Next Consumer Credit Crisis

Americans have accumulated unprecedented Buy Now, Pay Later debt that doesn't appear on credit reports. As payments come due, regulators are warning of 'phantom debt' risks.

The Money Unlock Editorial Team 8 min read

Debt Management Jan 2, 2026

The Phantom Debt Reckoning: Buy Now, Pay Later's Hidden Crisis Comes Into Focus

Buy Now, Pay Later debt has been invisible to lenders—until now. As credit bureaus begin reporting BNPL balances, a hidden crisis is emerging.

The Money Unlock Editorial Team 8 min read