The chart provides an overview of U.S. consumer credit utilization by income bracket from 2015 to 2025, revealing a clear pattern of higher credit use among lower-income groups. High-income households consistently have the lowest utilization rate, with their use decreasing from approximately 49% in 2015 to 45% in 2025. In contrast, lower-income households' credit utilization has grown from around 25% to 32% over the same period. The data shows that the gap in credit utilization between the highest and lowest income brackets is narrowing due to the rising credit needs of lower-income consumers, reflecting economic disparities.
