Credit Card Ownership Statistics
Statistic Verification
Source:  Federal Reserve Survey of Consumer Finances, US Census Bureau, Sallie Mae, Com Score, Experian
Research Date: 7.24.2012
Medical School Data
Total number of credit cards in use in the US 1.5 billion
Total number of US credit card holders 176.8 million
Percent of people in the US polled who did not have a credit card 29 %
Average number of credit cards per person 3.5
Average age when receiving first credit card 20.8
Percent of credit card owners with a gas card 11.9 %
Percent of card holders who have a rewards credit card 60 %
Card Type Breakdown Percent of Issued Cards
Visa 36 %
Master Card 27 %
American Express 6.5 %
Discover 7.2 %
Other 23.3 %
College Student Credit Card Ownership  
Percent of undergraduate students with a credit card 76 %
Average credit card debt of an undergraduate student $2,200
Percent of undergraduates who had no credit history 2 %
Percent of undergraduate students with 4 or more credit cards 48 %
Percent of incoming freshman who already have a credit card 39 %
Percent of students who pay their card in full each month 65 %
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