Credit card ownership in the U.S. 2011-2024| ��ƽ��

Share of individuals who own a credit card in the United States in 2011, 2014, 2017 and 2021 with a forecast for 2024, by age, gender, and income level

Characteristic	2011	2014	2017	2021	2024*
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Release date

March 2024

More information

Region

United States

Survey time period

August to November 2021

Number of respondents

approx. 1,000 per country

Age group

15 years and older

Special properties

Entire civilian, noninstitutionalized population; * The data for 2024 is a forecast calculated by ��ƽ��; The figures shown are from a global survey held every 3 years. Data for 2021 - the most recent year available - was released in June 2022.

Method of interview

Face-to-face interviews, telephone interviews

Supplementary notes

This question was phrased by the source as follows: "A credit card is a card that allows you to BORROW money in order to make payments or buy things, and you can pay the balance off later. Do you, personally, have a credit card?"

Figures for 2024 are a forecast from ��ƽ��. Historical figures were used in a linear trend, to form a simple trend projection. This extrapolation uses the method of least squares.

Citation formats

According to a three-year survey, nearly out of 10 respondents from the U.S. owned a credit card in 2021 with ** percent of them actually having used one. The difference between ownership and usage was roughly **** percentage points in 2021, a slight increase from a difference of **** percentage points in 2017. The report adds that women were more likely than men to own such a payment card. Gen Z - or the age group 15 to 24 years in this survey - was substantially less likely to own a credit card than their older counterparts.