Revolving consumer credit, which is mostly credit card balances, was $1.352 trillion in August 2026, seasonally adjusted, according to the Federal Reserve. That was $4.8 billion less than in July and $44.1 billion (3.4%) more than in August 2025.
The highest month in the series is July 2026, at $1.357 trillion. Nonrevolving credit, mainly auto and student loans, was $3.844 trillion, for total consumer credit of $5.197 trillion.
Consumer credit outstanding
| Month | Revolving | Nonrevolving | Total consumer credit |
|---|---|---|---|
| Dec 2019 | $1,092.0B | $3,100.2B | $4,192.2B |
| Dec 2020 | $954.6B | $3,194.4B | $4,149.0B |
| Apr 2021 | $952.1B | $3,253.6B | $4,205.8B |
| Aug 2024 | $1,340.2B | $3,715.6B | $5,055.8B |
| Aug 2025 | $1,308.3B | $3,750.3B | $5,058.6B |
| May 2026 | $1,347.7B | $3,807.7B | $5,155.4B |
| Jun 2026 | $1,354.4B | $3,816.3B | $5,170.8B |
| Jul 2026 | $1,357.2B | $3,831.3B | $5,188.5B |
| Aug 2026 | $1,352.4B | $3,844.4B | $5,196.8B |
Billions of dollars, seasonally adjusted, end of month. The CSV has every month back to January 1968 for revolving credit. Monthly changes and the year-over-year change are our subtraction.
What this counts
The G.19 release covers credit to individuals that is not secured by real estate, so mortgages and home equity lines are left out. That is why it is far smaller than the New York Fed’s household debt total. Revolving credit is mostly card balances but also includes other open-ended lines. The Fed revises recent months as more data come in, and the figures are not adjusted for inflation.
Source
Board of Governors of the Federal Reserve System, G.19 Consumer Credit, retrieved from FRED, Federal Reserve Bank of St. Louis (REVOLSL, NONREVSL, TOTALSL, seasonally adjusted, millions of dollars, which we show in billions). FRED shows the series last updated October 7, 2026. We pulled them on October 13, 2026. U.S. government data; the Fed asks for citation. Our table is available under CC BY 4.0. Credit "My Credit Guide (mycreditguide.org)".
Steven Reynolds, "Revolving Consumer Credit," My Credit Guide, October 13, 2026, https://mycreditguide.org/data/revolving-consumer-credit/.