Observations

Q3 2025: 11.64

Updated: Jan 21, 2026 2:02 PM CST

Units:

Percent,

Not Seasonally Adjusted

Frequency:

Quarterly,

End of Quarter

Notes

Title	Release Dates

Large Bank Consumer Credit Card Balances: Percentage of Accounts Subject to Promotional APR: Percentage APR Accounts	2025-07-08	2026-01-21

Source

Federal Reserve Bank of Philadelphia	2025-07-08	2026-01-21

Release

FR Y-14M Large Bank Credit Card and Mortgage Data	2025-07-08	2026-01-21

Units

Percent	2025-07-08	2026-01-21

Frequency

Quarterly, End of Quarter	2025-07-08	2026-01-21

Seasonal Adjustment

Not Seasonally Adjusted	2025-07-08	2026-01-21

Notes

The share of active credit card accounts that have a positive balance subject to a promotional APR. Promotional APRs are defined as APRs priced at a rate below the account holder's normal purchase APR at the end of the most recent cycle. Active credit card accounts are defined as credit card accounts that are open and have had debit, credit, or balance activity in the last 12 months. For more detail see the methodology (https://sc103-philfed-prod-cm.sitecore-prod-ase4.appserviceenvironment.net/surveys-and-data/y14-methodology).	2025-07-08	2026-01-21

Large Bank Consumer Credit Card Balances: Percentage of Accounts Subject to Promotional APR: Percentage APR Accounts (RCCCBACTPCTAPRPROMO)