Credit card debt represents a critical component of U.S. consumer credit markets, tracked quarterly by the Federal Reserve Bank of New York's Consumer Credit Panel. This revolving debt encompasses balances on general-purpose cards (Visa, Mastercard, American Express, Discover) and private-label retail cards. The market structure includes major card issuers (top 10 control ~80% of balances), regional banks, and retail partnerships. Interest rates on this debt typically range from 15-29% APR, averaging 20.75% in 2023, making it one of the most expensive forms of consumer credit. Debt patterns reveal significant demographic and geographic variations, with millennials (25-40) holding the highest average balances. Payment behavior is closely monitored through metrics like utilization rates (average 31%), minimum payment rates (21% of cardholders), and delinquency rates (90+ day delinquencies averaging 4.5%). This debt category serves as a key economic indicator, reflecting consumer confidence, spending patterns, and financial health, with notable seasonal fluctuations around holiday periods and tax refund season.