Observations

2024: 18

Updated: May 28, 2026 3:02 PM CDT

Units:

Percent,

Not Seasonally Adjusted

Frequency:

Annual,

As of November

Notes

Title	Release Dates

Bankrate Consumer Survey Poll: How Long Have You Carried a Credit Card Balance? 5 Years or More	2026-04-02	2026-04-02

Source

Bankrate, LLC	2026-04-02	2026-04-02

Release

Bankrate Consumer Polls	2026-04-02	2026-04-02

Units

Percent	2026-04-02	2026-04-02

Frequency

Annual, As of November	2026-04-02	2026-04-02

Seasonal Adjustment

Not Seasonally Adjusted	2026-04-02	2026-04-02

Notes

This series measures how long U.S. adults carry a balance on their credit cards. This survey has been polled at varying times over the years, most recently in November. Current observation as of November 13th, 2024. Bankrate has been tracking consumer opinion on financial topics since 2011. Surveys were initially conducted by Princeton Survey Research Associates International (PSRAI), later by YouGov Plc. and SSRS. Data are collected via telephone (landline/cell) and web surveys, with demographic weighting to ensure representativeness. Margins of error generally range between 2–4 percentage points. Polling Dates: January 23, 2019 – January 25, 2019 March 04, 2020 – March 06, 2020 September 01, 2021 – September 03, 2021 August 24, 2022 – August 26, 2022 July 06, 2023 – July 10, 2023 November 28, 2023 – November 30, 2023 November 13, 2024 – November 15, 2024 Copyright Bankrate, LLC. Bankrate How long have you carried a credit card balance? (https://www.bankrate.com/data-center/time-with-credit-card-balance/)	2026-04-02	2026-04-02

Bankrate Consumer Survey Poll: How Long Have You Carried a Credit Card Balance? 5 Years or More (CCBALANCE0106)