How Much Credit Card Debt Is Too Much?

If you’re carrying a balance on your credit card, you certainly aren’t the only one. In fact, 46% of credit card users carried a balance for at least one month in the last year. And the average unpaid balance at the beginning of 2025 was $7,321 — a 5.8% increase from a year earlier. So we know credit debt is common, but how much credit card debt is too much? The answer won’t be the same for…