The Federal Reserve Bank of New York’s Household Debt and Credit Report, released August 11, shows credit-card balances climbed $21 billion to reach $1.26 trillion as of the end of June 2026. AdvertisementThe NY Fed’s Consumer Credit Panel, built on data from Equifax, tracks mortgages, student loans, auto loans, and credit cards. Consumers load up on credit-card debt during the holiday season in Q4, then spend the first few months of the new year paying it down. The NY Fed has signaled that a forthcoming blog post on Liberty Street Economics will dig into credit-card delinquency metrics, specifically examining discrepancies between bureau-reported and lender-reported data. With $1.26 trillion now sitting on American credit cards, the forthcoming delinquency data will provide additional context to the evolving landscape of consumer credit.