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Home/Credit & Lending/STABLECOIN US LEGISLATION · CREDIT CARD DEBT RECORD

Credit card monthly payments rose 38% since 2018 as 111 million Americans fail to pay in full

DC

Dana Calloway

stablecoin US legislation · Apr 10, 2026

Credit card monthly payments rose 38% since 2018 as 111 million Americans fail to pay in full

Source: The Digital Ledger Data Terminal

Average monthly credit card payments rose from $1,441 in 2018 to $1,994 in 2025. This 38% increase is linked to national average annual percentage rates currently at 23%.

Related Brief12h ago
personal finance

Debt Repayment Constraints Cap Business Startup Costs At $500

A $1,000 investment in an untested side business diverts capital from debt payoff, extending the repayment timeline and increasing the total interest paid on a balance. This is the consequence of carrying $75,000 in consumer debt while attempting to launch an Etsy embroidery business. The startup cost is $1,000. The wife has no proven track record in this specific business. Rachel Cruze advises a $500 cap on spending for new ventures when no history of sales or customer demand exists. This limit protects the debt payoff plan by containing the downside loss if the business fails to gain traction.

111 million Americans, or 40% of all U.S. adults, now cannot pay their credit card bills in full. Of that group, 27 million can only afford the monthly minimums. Another 68 million are categorized as debt-stressed, utilizing more than 30% of their credit limit. For these holders, median utilization rates climbed from 63.8% to 70.7% between 2018 and 2025.

Related Brief1d ago
consumer debt

Jacksonville ranks fifth nationally for credit card debt as inflation and rates squeeze households

Nearly one-third of credit cardholders in Jacksonville owe at least $10,000, placing the city fifth nationally for high consumer debt levels. This burden exceeds the national average and reflects a growing strain on household finances. Experts link the trend to sustained inflation, higher interest rates, and continued discretionary spending. As borrowing costs remain elevated, more residents face compounding interest charges, reducing disposable income and increasing the risk of long-term financial instability. Rising debt levels in Jacksonville underscore how macroeconomic pressures are translating into real financial vulnerability for American consumers.

Total credit card debt reached $1.28 trillion in Q4 2025.

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equities

Berkshire Hathaway's Google Investment Yields $1.29 Billion Profit

Berkshire Hathaway has netted $1.29 billion in profit from its position in Google's Alphabet stock. The investment arm of Warren Buffett established the position of 17.85 million Class A shares in the third quarter of 2025, paying an average price of roughly $243.22 per share. The total cost of the entry was $4.34 billion. Alphabet stock traded at $315.50 on April 9, 2026, bringing the current value of the position to $5.63 billion. This represents an estimated return on investment of 29% over the last six to seven months.

stablecoin US legislationcredit card debt record

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