Triennial credit card penetration in the U.S. 2011-2024, by demographic
According to a three-year survey, nearly seven out of 10 respondents from the U.S. owned a credit card in 2021 with 62 percent of them actually having used one. The difference between ownership and usage was roughly five percentage points in 2021, a slight increase from a difference of four percentage points in 2017. The report adds that women were more likely than men to own such a payment card. Gen Z - or the age group 15 to 24 years in this survey - was substantially less likely to own a credit card than their older counterparts.
