Key Takeaways The average credit card balance per consumer in the U.S. was $6,523 in the third quarter of 2025.Total U.S.

Your credit card balance represents the purchases you’ve made during a billing cycle, as well as any interest charged. If you pay off your credit card each billing cycle, you will have a zero balance.

Whether you’re new to the world of credit cards or an established pro, it’s essential to understand the terms that appear on your credit card statement. Two terms that may cause confusion, even if you ...

Even if you're not able to pay off the full statement balance on all of your credit cards, you should aim to continue paying ...

A balance transfer credit card allows you to transfer the debt balance from other credit cards onto a single card. While there is typically an upfront fee, most balance transfer cards offer a low ...

A negative balance on a credit card is typically a positive sign, indicating that the consumer has overpaid for something or received a statement credit. Negative balances can result from refunds, ...