Consumer Loans: Credit Cards and Other Revolving Plans, All Commercial Banks
H8B1247NCBCMG • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
-3.80
Year-over-Year Change
-371.43%
Date Range
8/1/2000 - 6/1/2025
Summary
This economic indicator tracks the total value of credit card and revolving credit loans issued by commercial banks in the United States. It provides critical insight into consumer borrowing behavior and overall economic health.
Analysis & Context
This economic indicator provides valuable insights into current market conditions and economic trends. The data is updated regularly by the Federal Reserve and represents one of the most reliable sources for economic analysis.
Understanding this metric helps economists, policymakers, and investors make informed decisions about economic conditions and future trends. The interactive chart above allows you to explore historical patterns and identify key trends over time.
About This Dataset
The trend represents the aggregate amount of revolving credit extended by commercial banks, which includes credit card balances and other flexible lending products. Economists use this metric to gauge consumer confidence, spending patterns, and potential economic stress.
Methodology
Data is collected through comprehensive bank reporting and aggregated by the Federal Reserve using standardized financial reporting mechanisms.
Historical Context
This trend is used by policymakers, financial analysts, and economists to assess consumer financial health, predict potential economic shifts, and inform monetary policy decisions.
Key Facts
- Represents total revolving credit from commercial banks
- Indicates consumer borrowing and spending trends
- Fluctuates with economic conditions and consumer confidence
FAQs
Q: What does this economic indicator measure?
A: It measures the total value of credit card and revolving credit loans issued by commercial banks in the United States.
Q: Why is this trend important?
A: It provides insights into consumer spending, financial health, and potential economic pressures or opportunities.
Q: How often is this data updated?
A: The Federal Reserve typically updates this data monthly, providing a current snapshot of consumer credit trends.
Q: How do economists use this information?
A: Economists analyze this trend to understand consumer behavior, predict economic shifts, and inform policy recommendations.
Q: What are the limitations of this data?
A: The indicator only covers commercial bank revolving credit and does not include all forms of consumer lending or credit.
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Citation
U.S. Federal Reserve, Consumer Loans: Credit Cards and Other Revolving Plans, All Commercial Banks [H8B1247NCBCMG], retrieved from FRED.
Last Checked: 8/1/2025