UK average client debt: credit card
UK average client debt: credit card stood at £3,092.33 in Aug 2026. It is one of the indicators in the Debt advice table (Value · Monthly), with a complete series running from Jan 2019 to Aug 2026. The complete series with an interactive chart, free to download.
This indicator in the Debt advice table
| Indicator | 08-2026 | 07-2026 | 06-2026 | 05-2026 | 04-2026 | 03-2026 | 02-2026 | 01-2026 | 12-2025 | 11-2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Average debt among clients | |||||||||||
| Debt.Credit.Card: Debt Credit Card | 3,092.33 | 3,085.91 | 3,023.33 | 2,882.28 | 2,946.86 | 2,940.93 | 2,900.82 | 2,997.5 | 2,896.75 | 2,788.79 | |
| Household Type: Couple with Children | 13,578.74 | 12,427.18 | 12,645.92 | 12,596.12 | 11,121.45 | 11,570.49 | 11,740.04 | 11,997.7 | 12,298.54 | 11,252.21 |
Understanding UK average client debt: credit card
Client management databases track the average monetary value of revolving credit card liabilities reported by advice seekers across the United Kingdom. The measure calculates the mean outstanding balance on credit and store cards per client presenting with plastic debt, distinguishing revolving retail borrowing from fixed-term loans or priority bills. It illustrates the typical scale of revolving card indebtedness among advisory clients.
Seasonality heavily influences this metric, with balances frequently spiking following major retail holiday periods and deferred statement arrivals. Year-on-year comparisons provide the most reliable analytical foundation, bypassing the noise of monthly promotional interest rate periods or festive spending cycles. Revisions are rare, but changes in card issuer lending limits can influence the trajectory of average balances over time.
Frequently asked questions
- What specific accounts make up this credit card average?
- The calculation includes outstanding balances on traditional credit cards, retail store cards, and unsecured charge cards.
- Does this average include overdraft borrowing?
- No, bank account overdrafts are recorded under separate banking liability categories.
- How do holiday spending cycles impact the data?
- Post-holiday periods often show elevated credit card balances as deferred retail purchases register on client accounts.