美国信用卡债务正在快速积累。根据联邦储备银行纽约分行的报告，美国信用卡债务在4月至6月期间达到1.26万亿美元，环比增长210亿美元，增幅为1.7%[1]。这一水平已接近去年创下的1.28万亿美元纪录高位[1]。同期，汽车贷款也创出新高，达到2110亿美元[1]。
消费者的偿债能力出现明显恶化迹象。超过90天逾期的信用卡债务比例从2022年末的7.6%升至12.8%，达到大衰退以来未见的水平[1]。俄亥俄州立大学经济学名誉教授露西亚·邓恩指出，许多家庭的借贷用途反映了基本生活压力："很多都是用来养家糊口、去商店购物，人们在购买学用品、食杂、婴儿奶粉和纸尿裤。"[1]
American credit card debt reached $1.26 trillion during the April-to-June period, climbing $54 billion compared to the same quarter last year, according to a report by the Federal Reserve Bank of New York [1]. The figure now approaches the record high of $1.28 trillion set in the previous year [1]. Quarter-over-quarter, credit card debt increased by $21 billion, representing a 1.7% rise [1].
The deteriorating financial health of American households is underscored by rising delinquencies. Credit card debt that is more than 90 days overdue has surged from 7.6% at the end of 2022 to 12.8% in early 2026, reaching levels unseen since the Great Recession [1]. Meanwhile, auto loans hit a record $211 billion during the April-to-June timeframe [1]. Lucia Dunn, an economics professor emeritus at Ohio State University, observed that "a lot of this is feeding your kids, going into stores, people buying their school supplies, the groceries, the baby formula, the diapers" [1], underscoring the fundamental necessities driving consumer borrowing. Overall household debt delinquencies edged slightly downward to 4.7% during the April-to-June period from 4.8% in the prior quarter [1].