美国家庭信用卡债务在第二季度攀升至1.26万亿美元，较前一季度增加21亿美元，逼近去年第四季度创下的1.28万亿美元历史纪录[1]。强劲的消费支出和物价上升推高了债务水平[1]。与此同时，逾期90天以上的信用卡余额占比从2022年年中的7.6%大幅上升至2026年初的12.8%，反映出越来越多家庭面临还款压力[1]。美国家庭总债务已达到18.8万亿美元，其中汽车贷款债务也创出1.71万亿美元的新高[1]。
纽约联邦储备银行研究人员指出，"许多家庭靠薪水过活，任何一件事都可能导致他们逾期"[1]。这一警示凸显了当前美国消费者债务增长背后的潜在风险。
U.S. credit card debt reached $1.26 trillion in the second quarter, up $21 billion from the previous period and edging toward the all-time high of $1.28 trillion recorded in the fourth quarter of the prior year [1]. Strong consumer spending and rising prices have been the primary drivers of this accumulation [1].
The deterioration in repayment capacity is evident in delinquency trends. The share of credit card balances overdue by 90 days or more has climbed to 12.8 percent as of early 2026, compared with 7.6 percent in the middle of 2022 [1]. Researchers at the Federal Reserve Bank of New York observe that "many households are living paycheck to paycheck, and any single event could push them into delinquency" [1]. The broader household debt picture shows total American family indebtedness reaching $18.8 trillion, with auto loans alone hitting a record $1.71 trillion [1].