15.3% 的 Z 世代信用卡借款人已用完信用卡，拖欠率高于婴儿潮一代和 X 世代。 15.3% of Gen Z credit card borrowers have maxed out their credit cards, with higher delinquency rates than Boomers and Gen X.

根据纽约联邦储备银行的数据，15.3％的 Z 世代信用卡借款人已用完信用卡，这一比例是婴儿潮一代和 X 世代的两倍多。 15.3% of Gen Z credit card borrowers have maxed out their credit cards, according to the Federal Reserve Bank of New York, more than twice the rate for Baby Boomers and Gen X. 这一趋势导致学生贷款之外的所有债务的拖欠率上升。 The trend is causing a rise in delinquency rates for all debt outside of student loans. Z 世代借款人的信用额度较低，建立信用记录的时间较短，因此他们更有可能陷入债务偿还困境。 Gen Z borrowers have lower credit limits and less time to build credit histories, making them more likely to struggle with debt repayment.