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Title:               Large Bank Consumer Credit Card Balances: Utilization: Active Accounts Only: 50th Percentile
Series ID:           RCCCBACTIVEUTILPCT50
Source:              Federal Reserve Bank of Philadelphia
Release:             FR Y-14M Large Bank Credit Card and Mortgage Data
Seasonal Adjustment: Not Seasonally Adjusted
Frequency:           Quarterly, End of Quarter
Units:               Percent
Date Range:          2012-07-01 to 2023-10-01
Last Updated:        2024-04-15 2:19 PM CDT
Notes:               The 50th percentile credit utilization rate among credit card
                     accounts. The utilization rate represents the share of the available
                     credit line that the borrower is utilizing. It is defined as the cycle
                     ending balance divided by the current credit limit. 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.
                     Therefore, some credit card accounts that are defined as active will
                     still have zero utilization of the available credit line. Available
                     credit lines of inactive accounts are not included. For more detail
                     see: methodology
                     (https://www.philadelphiafed.org/-/media/frbp/assets/surveys-and-data/y14/y-14-data-methodology).

DATE        VALUE
2012-07-01   9.32
2012-10-01  11.06
2013-01-01   8.45
2013-04-01   7.98
2013-07-01   7.62
2013-10-01   9.44
2014-01-01   7.12
2014-04-01   7.99
2014-07-01   8.43
2014-10-01  10.30
2015-01-01   7.50
2015-04-01   8.19
2015-07-01   8.80
2015-10-01  10.57
2016-01-01   7.79
2016-04-01   8.27
2016-07-01   8.84
2016-10-01  10.86
2017-01-01   7.91
2017-04-01   8.66
2017-07-01   8.88
2017-10-01  10.73
2018-01-01   7.58
2018-04-01   9.41
2018-07-01   9.43
2018-10-01  10.19
2019-01-01   7.36
2019-04-01   8.24
2019-07-01   8.21
2019-10-01  10.24
2020-01-01   7.65
2020-04-01   5.15
2020-07-01   5.61
2020-10-01   7.58
2021-01-01   5.22
2021-04-01   6.12
2021-07-01   6.23
2021-10-01   8.22
2022-01-01   6.33
2022-04-01   7.40
2022-07-01   7.76
2022-10-01   9.58
2023-01-01   7.51
2023-04-01   8.31
2023-07-01   8.40
2023-10-01   9.93