美国的信用卡债务在2025年上升了160亿美元,达到1.33万亿美元,增长率低于2024年。 U.S. credit card debt rose by $16 billion in 2025, reaching $1.33 trillion, with slower growth than in 2024.

美国消费者在2025年增加了160亿美元的信用卡债务,使全国总额达到1.33万亿美元。 U.S. consumers added $16 billion in credit card debt in 2025, bringing the national total to $1.33 trillion, according to WalletHub. 这标志着与2024年同期相比债务增长下降27%,2025年10月的水平比按通货膨胀调整后的每月高峰低8%。 This marks a 27% drop in debt growth compared to the same period in 2024, with October 2025 levels 8% below the inflation-adjusted monthly peak. 家庭平均债务略微上升至11 097美元。 The average household debt rose slightly to $11,097. 专家们警告说,超过180天的缺失付款可能导致违约、损害信用和限制未来借款。 Experts warn that missing payments for over 180 days can lead to default, harming credit and limiting future borrowing. 他们建议最低支付额、编制预算、寻求付款计划或信贷咨询,并考虑余额转帐——虽然可能适用收费办法。 They recommend making minimum payments, budgeting, seeking payment plans or credit counseling, and considering balance transfers—though fees may apply. 破产应作为最后手段。 Bankruptcy should be a last resort.