Report to the Congress on Credit Scoring and Its Effects on the Availability and Affordability of Credit
Submitted to the Congress pursuant to section 215 of the Fair and Accurate Credit Transactions Act of 2003
August 2007
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Tables for the Effects of Credit Scoring on the Availability and Affordability of Credit
| Item | Non-Hispanic white | Black | Hispanic | Asian or other | Difference relative to non-Hispanic whites (percentage points) | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Unadjusted | Adjusted | ||||||||||||
| With family characteristics for year shown | With family characteristics for 2004 | ||||||||||||
| Black | Hispanic | Asian or other | Black | Hispanic | Asian or other | Black | Hispanic | Asian or other | |||||
| Type Of Debt | Families holding debt (percent except as noted) | ||||||||||||
| Any | |||||||||||||
| 1983 | 70.7 | 64.7 | 59.5 | 80.7 | -5.9 | -11.1 | 10.1 | -.7 | -13.5 | -3.1 | 1.0 | -14.7 | -4.0 |
| 1989 | 73.2 | 65.1 | 72.4 | 76.6 | -8.1 | -.8 | 3.4 | -1.2 | -1.8 | 2.1 | 2.3 | -3.8 | .2 |
| 1992 | 74.3 | 69.2 | 69.3 | 73.9 | -5.1 | -5.0 | -.4 | -5.1 | -11.4 | -4.4 | -2.3 | -6.0 | -6.8 |
| 1995 | 75.4 | 71.1 | 75.4 | 67.7 | -4.3 | .0 | -7.7 | -4.5 | -8.8 | -13.4 | -.4 | -4.4 | -12.4 |
| 1998 | 74.9 | 68.6 | 72.3 | 78.0 | -6.3 | -2.5 | 3.2 | -5.4 | -11.1 | -4.3 | -2.7 | -8.1 | -5.4 |
| 2001 | 75.8 | 74.0 | 71.3 | 72.2 | -1.9 | -4.5 | -3.6 | -2.0 | -10.2 | -6.6 | .6 | -8.7 | -10.0 |
| 2004 | 78.0 | 71.7 | 71.0 | 80.4 | -6.3 | -7.0 | 2.4 | -4.5 | -12.6 | -4.2 | -4.5 | -12.6 | -4.2 |
| Mean1 | 74.6 | 69.2 | 70.2 | 75.6 | -5.4 | -4.4 | 1.0 | -3.3 | -9.9 | -4.8 | -.9 | -8.3 | -6.1 |
| Trend | .3 | .4 | .4 | -.1 | .1 | .1 | -.4 | -.2 | -.1 | -.2 | -.2 | .0 | -.2 |
| Mortgage | |||||||||||||
| 1983 | 39.2 | 25.4 | 23.9 | 42.9 | -13.8 | -15.4 | 3.6 | -3.6 | -11.7 | -1.9 | -1.5 | -14.8 | -6.8 |
| 1989 | 43.0 | 24.8 | 31.0 | 36.6 | -18.2 | -12.1 | -6.4 | -4.5 | -4.1 | -.2 | -1.4 | -7.4 | -3.3 |
| 1992 | 42.8 | 27.4 | 25.2 | 33.2 | -15.4 | -17.6 | -9.6 | -6.9 | -12.8 | -10.1 | -7.4 | -11.9 | -12.2 |
| 1995 | 44.1 | 26.1 | 33.9 | 37.9 | -18.0 | -10.2 | -6.2 | -7.1 | -10.2 | -8.0 | -4.2 | -8.3 | -12.0 |
| 1998 | 46.6 | 30.2 | 27.9 | 39.1 | -16.5 | -18.7 | -7.6 | -5.7 | -17.7 | -11.6 | -4.6 | -13.2 | -17.4 |
| 2001 | 47.6 | 36.5 | 31.9 | 37.5 | -11.1 | -15.7 | -10.2 | -1.1 | -9.9 | -5.9 | -.6 | -10.9 | -15.6 |
| 2004 | 52.0 | 36.4 | 35.3 | 48.2 | -15.6 | -16.7 | -3.8 | -7.1 | -13.9 | -10.5 | -7.1 | -13.9 | -10.5 |
| Mean | 45.1 | 29.6 | 29.9 | 39.3 | -15.5 | -15.2 | -5.7 | -5.1 | -11.5 | -6.9 | -3.8 | -11.5 | -11.1 |
| Trend | .5 | .6 | .4 | .2 | .1 | -.1 | -.4 | .0 | -.2 | -.4 | -.1 | .0 | -.4 |
| Installment2 | |||||||||||||
| 1983 | 43.9 | 43.9 | 42.0 | 57.2 | .0 | -1.9 | 13.3 | 4.0 | -4.6 | 2.6 | 6.0 | -5.2 | 3.4 |
| 1989 | 46.9 | 41.5 | 47.3 | 47.4 | -5.5 | .3 | .4 | -1.2 | -5.6 | -2.4 | 2.6 | -5.5 | -3.8 |
| 1992 | 42.6 | 36.6 | 45.8 | 43.3 | -6.0 | 3.2 | .7 | -8.4 | -3.6 | -3.2 | -7.2 | 1.0 | -2.7 |
| 1995 | 41.4 | 37.8 | 39.8 | 35.1 | -3.6 | -1.6 | -6.4 | -2.0 | -9.4 | -11.2 | 1.2 | -7.8 | -12.2 |
| 1998 | 39.0 | 32.8 | 38.7 | 35.1 | -6.3 | -.4 | -3.9 | -5.7 | -8.3 | -10.5 | -4.1 | -7.8 | -11.1 |
| 2001 | 41.9 | 40.8 | 39.7 | 34.5 | -1.0 | -2.2 | -7.4 | -1.8 | -9.5 | -10.8 | -.8 | -9.2 | -11.3 |
| 2004 | 41.3 | 39.9 | 35.3 | 37.9 | -1.4 | -6.0 | -3.3 | 2.8 | -11.2 | -9.0 | 2.8 | -11.2 | -9.0 |
| Mean | 42.4 | 39.0 | 41.2 | 41.5 | -3.4 | -1.2 | -.9 | -1.8 | -7.5 | -6.4 | .1 | -6.5 | -6.7 |
| Trend | -.2 | -.2 | -.4 | -1.0 | .0 | -.2 | -.8 | -.1 | -.3 | -.6 | -.2 | -.3 | -.7 |
| Any credit or charge card balance3 | |||||||||||||
| 1983 | 37.9 | 32.9 | 32.8 | 36.5 | -5.0 | -5.0 | -1.4 | -.5 | -3.5 | -7.4 | 3.8 | -4.2 | -7.4 |
| 1989 | 41.4 | 33.4 | 34.7 | 36.9 | -8.1 | -6.8 | -4.5 | -2.6 | -4.2 | -3.5 | 4.2 | -6.7 | -5.9 |
| 1992 | 42.1 | 35.9 | 35.0 | 40.9 | -6.2 | -7.1 | -1.2 | -5.7 | -10.3 | -3.9 | -1.9 | -6.2 | -7.3 |
| 1995 | 44.0 | 42.3 | 50.6 | 42.6 | -1.8 | 6.6 | -1.4 | .2 | 3.2 | -4.3 | 5.5 | 4.6 | -5.3 |
| 1998 | 42.5 | 38.8 | 43.5 | 35.8 | -3.6 | 1.1 | -6.7 | -3.6 | -4.0 | -12.0 | -.7 | -2.1 | -13.7 |
| 2001 | 41.5 | 49.3 | 39.6 | 34.4 | 7.8 | -1.9 | -7.2 | 4.5 | -8.6 | -10.6 | 6.1 | -6.2 | -12.5 |
| 2004 | 43.8 | 43.9 | 42.8 | 38.2 | .1 | -.9 | -5.6 | -.7 | -5.9 | -10.2 | -.7 | -5.9 | -10.2 |
| Mean | 41.9 | 39.5 | 39.9 | 37.9 | -2.4 | -2.0 | -4.0 | -1.2 | -4.8 | -7.4 | 2.3 | -3.8 | -8.9 |
| Trend | .2 | .7 | .5 | .0 | .5 | .3 | -.2 | .1 | -.1 | -.3 | -.1 | .0 | -.3 |
| Type Of Card | Families owning a credit or charge card (percent except as noted) | ||||||||||||
| Any credit or charge card | |||||||||||||
| 1983 | 70.3 | 41.9 | 38.9 | 60.7 | -28.5 | -31.4 | -9.6 | -14.3 | -21.8 | -9.4 | -13.0 | -22.1 | -15.9 |
| 1989 | 76.8 | 43.0 | 48.4 | 61.8 | -33.8 | -28.4 | -15.1 | -15.5 | -10.3 | -6.1 | -12.1 | -16.6 | -10.5 |
| 1992 | 79.1 | 45.0 | 43.2 | 73.3 | -34.1 | -36.0 | -5.8 | -22.5 | -28.2 | -4.1 | -22.1 | -25.2 | -4.9 |
| 1995 | 79.4 | 48.8 | 59.5 | 72.6 | -30.6 | -19.9 | -6.8 | -19.8 | -14.6 | -5.6 | -18.0 | -13.6 | -8.7 |
| 1998 | 77.9 | 50.3 | 53.7 | 67.5 | -27.6 | -24.1 | -10.4 | -16.1 | -17.7 | -7.5 | -13.7 | -20.2 | -11.1 |
| 2001 | 81.8 | 58.7 | 52.4 | 66.9 | -23.1 | -29.5 | -14.9 | -13.4 | -19.8 | -8.3 | -13.4 | -19.0 | -11.0 |
| 2004 | 81.8 | 52.2 | 55.6 | 79.7 | -29.6 | -26.2 | -2.1 | -19.7 | -18.0 | -.6 | -19.7 | -18.0 | -.6 |
| Mean | 78.2 | 48.6 | 50.2 | 68.9 | -29.6 | -27.9 | -9.2 | -17.3 | -18.6 | -5.9 | -16.0 | -19.2 | -9.0 |
| Trend | .5 | .7 | .8 | .7 | .2 | .3 | .2 | -.1 | .1 | .2 | -.2 | .1 | .4 |
| Bank-type or travel and entertainment card | |||||||||||||
| 1983 | 49.0 | 24.6 | 27.1 | 48.8 | -24.4 | -21.9 | -.2 | -10.1 | -11.4 | .9 | -6.9 | -11.4 | -4.5 |
| 1989 | 64.7 | 29.0 | 32.9 | 51.6 | -35.8 | -31.9 | -13.1 | -15.8 | -12.4 | -4.9 | -12.4 | -18.0 | -14.1 |
| 1992 | 70.9 | 34.4 | 33.4 | 62.1 | -36.5 | -37.5 | -8.8 | -23.2 | -27.5 | -7.0 | -23.6 | -25.6 | -7.9 |
| 1995 | 72.9 | 40.8 | 50.1 | 67.5 | -32.2 | -22.8 | -5.4 | -20.0 | -16.8 | -4.7 | -19.8 | -16.1 | -8.2 |
| 1998 | 73.9 | 43.1 | 48.1 | 62.7 | -30.9 | -25.9 | -11.3 | -18.7 | -17.5 | -8.0 | -16.7 | -19.6 | -11.3 |
| 2001 | 79.0 | 55.8 | 48.9 | 64.3 | -23.2 | -30.1 | -14.7 | -12.6 | -20.3 | -8.2 | -11.6 | -19.3 | -9.8 |
| 2004 | 79.1 | 49.1 | 51.7 | 78.8 | -30.0 | -27.4 | -.4 | -19.8 | -18.7 | 1.0 | -19.8 | -18.7 | 1.0 |
| Mean | 69.9 | 39.5 | 41.7 | 62.2 | -30.4 | -28.2 | -7.7 | -17.2 | -17.8 | -4.4 | -15.8 | -18.4 | -7.8 |
| Trend | 1.4 | 1.4 | 1.3 | 1.2 | .1 | -.1 | -.1 | -.2 | -.3 | -.1 | -.4 | -.2 | .2 |
| Store or gas card only | |||||||||||||
| 1983 | 21.4 | 17.3 | 11.8 | 11.9 | -4.1 | -9.5 | -9.4 | -4.1 | -9.4 | -8.9 | -3.6 | -9.2 | -13.9 |
| 1989 | 12.1 | 14.0 | 15.6 | 10.2 | 2.0 | 3.5 | -1.9 | 2.1 | 3.7 | -1.8 | 2.1 | 3.6 | 3.3 |
| 1992 | 8.2 | 10.6 | 9.7 | 11.2 | 2.4 | 1.5 | 3.0 | 2.6 | 1.6 | 3.2 | 3.0 | 1.8 | 5.0 |
| 1995 | 6.5 | 8.0 | 9.4 | 5.1 | 1.5 | 2.9 | -1.4 | 1.8 | 3.5 | -.9 | 1.8 | 3.5 | -.3 |
| 1998 | 3.9 | 7.2 | 5.7 | 4.8 | 3.3 | 1.8 | .9 | 3.5 | 2.1 | 1.2 | 3.3 | 1.5 | .7 |
| 2001 | 2.8 | 2.9 | 3.5 | 2.6 | .1 | .7 | -.3 | .4 | 1.3 | .2 | .2 | 1.1 | -.9 |
| 2004 | 2.6 | 3.1 | 3.9 | .9 | .4 | 1.2 | -1.7 | .5 | 1.5 | -1.4 | .5 | 1.5 | -1.4 |
| Mean | 8.2 | 9.0 | 8.5 | 6.7 | .8 | .3 | -1.6 | 1.0 | .6 | -1.2 | 1.0 | .6 | -1.1 |
| Trend | -.9 | -.7 | -.5 | -.6 | .1 | .4 | .3 | .2 | .4 | .3 | .1 | .3 | .4 |
Note: For details, refer to text.
1. Average of the seven values shown. Return to table
2. Excludes education loans. Return to table
3. Credit and charge cards consist of bank-type cards, which routinely allow carrying a balance (such as Visa, MasterCard, and Discover, and Optima and other American Express cards that routinely allow carrying a balance), so-called travel and entertainment cards (such as American Express cards that do not routinely allow carrying a balance and Diners Club), cards issued by stores or gasoline companies, and miscellaneous other cards. Balances exclude purchases made after the most recent bill was paid. Return to table
Source: Federal Reserve Board, Survey of Consumer Finances for years shown.
| Item | Bottom one-third | Middle one-third | Top one-third | Difference relative to middle one-third (percentage points) | |||||
|---|---|---|---|---|---|---|---|---|---|
| Unadjusted | Adjusted | ||||||||
| With family characteristics for year shown | With family characteristics for 2004 | ||||||||
| Bottom one-third | Top one-third | Bottom one-third | Top one-third | Bottom one-third | Top one-third | ||||
| Type Of Debt | Families holding debt (percent except as noted) | ||||||||
| Any | |||||||||
| 1983 | 47.1 | 74.9 | 87.5 | -27.8 | 12.6 | -10.6 | 6.1 | -9.5 | 6.5 |
| 1989 | 50.9 | 77.1 | 89.0 | -26.2 | 11.9 | -15.8 | 3.9 | -14.7 | 3.2 |
| 1992 | 54.8 | 77.9 | 86.4 | -23.1 | 8.5 | -13.6 | 3.7 | -13.7 | 3.9 |
| 1995 | 55.6 | 79.4 | 88.2 | -23.8 | 8.8 | -15.9 | 4.6 | -16.4 | 3.6 |
| 1998 | 54.5 | 77.8 | 89.0 | -23.3 | 11.2 | -12.1 | 4.1 | -12.5 | 4.1 |
| 2001 | 57.1 | 80.8 | 87.8 | -23.7 | 7.0 | -15.3 | 4.2 | -15.5 | 4.3 |
| 2004 | 58.4 | 82.7 | 87.9 | -24.4 | 5.2 | -14.8 | -1.0 | -14.8 | -1.0 |
| Mean | 54.0 | 78.7 | 88.0 | -24.6 | 9.3 | -14.0 | 3.7 | -13.9 | 3.5 |
| Trend | .5 | .3 | .0 | .2 | -.3 | -.1 | -.2 | -.2 | -.2 |
| Mortgage | |||||||||
| 1983 | 12.8 | 35.2 | 63.5 | -22.4 | 28.4 | -9.9 | 16.6 | -10.6 | 15.6 |
| 1989 | 12.1 | 38.6 | 68.0 | -26.5 | 29.4 | -15.3 | 17.2 | -16.7 | 14.3 |
| 1992 | 13.4 | 36.7 | 66.5 | -23.3 | 29.8 | -13.4 | 19.4 | -13.6 | 19.4 |
| 1995 | 15.8 | 39.1 | 67.3 | -23.3 | 28.3 | -12.9 | 18.0 | -12.8 | 16.4 |
| 1998 | 15.5 | 41.1 | 71.6 | -25.6 | 30.6 | -12.7 | 18.0 | -12.9 | 17.4 |
| 2001 | 19.0 | 43.5 | 71.8 | -24.4 | 28.3 | -12.8 | 19.1 | -12.8 | 19.0 |
| 2004 | 19.7 | 51.1 | 72.7 | -31.4 | 21.6 | -20.3 | 10.8 | -20.3 | 10.8 |
| Mean | 15.5 | 40.7 | 68.8 | -25.3 | 28.0 | -13.9 | 17.0 | -14.2 | 16.1 |
| Trend | .4 | .6 | .4 | -.3 | -.2 | -.3 | -.1 | -.2 | -.1 |
| Installment | |||||||||
| 1983 | 28.7 | 47.3 | 56.4 | -18.6 | 9.1 | -4.5 | 4.2 | -2.9 | 5.7 |
| 1989 | 30.5 | 51.2 | 57.4 | -20.6 | 6.2 | -10.1 | -.4 | -10.2 | .6 |
| 1992 | 30.1 | 47.1 | 48.6 | -16.9 | 1.5 | -6.8 | -4.4 | -7.7 | -5.2 |
| 1995 | 25.1 | 44.9 | 51.5 | -19.7 | 6.6 | -11.3 | 2.0 | -12.2 | .4 |
| 1998 | 23.6 | 43.2 | 46.9 | -19.6 | 3.7 | -11.7 | -1.1 | -11.9 | -1.6 |
| 2001 | 28.4 | 48.1 | 47.8 | -19.8 | -.3 | -10.8 | -3.5 | -10.7 | -3.6 |
| 2004 | 24.5 | 46.8 | 49.4 | -22.4 | 2.5 | -14.4 | -3.5 | -14.4 | -3.5 |
| Mean | 27.3 | 46.9 | 51.1 | -19.7 | 4.2 | -9.9 | -1.0 | -10.0 | -1.0 |
| Trend | -.2 | -.1 | -.5 | -.1 | -.3 | -.4 | -.3 | -.4 | -.4 |
| Any credit or charge card balance | |||||||||
| 1983 | 16.9 | 43.4 | 51.3 | -26.5 | 7.9 | -16.5 | .1 | -17.3 | -2.1 |
| 1989 | 19.8 | 46.5 | 52.9 | -26.7 | 6.4 | -19.1 | -.4 | -18.8 | -4.2 |
| 1992 | 25.8 | 47.8 | 48.0 | -22.0 | .2 | -13.6 | -5.1 | -14.4 | -6.3 |
| 1995 | 27.3 | 49.3 | 55.3 | -22.1 | 6.0 | -18.7 | 4.1 | -20.0 | 1.4 |
| 1998 | 27.6 | 46.1 | 51.4 | -18.5 | 5.3 | -10.4 | -1.2 | -10.9 | -1.9 |
| 2001 | 32.2 | 50.1 | 44.4 | -17.9 | -5.7 | -11.3 | -8.9 | -11.5 | -9.3 |
| 2004 | 30.5 | 50.5 | 49.1 | -20.0 | -1.3 | -13.3 | -6.6 | -13.3 | -6.6 |
| Mean | 25.7 | 47.7 | 50.4 | -21.9 | 2.7 | -14.7 | -2.6 | -15.2 | -4.1 |
| Trend | .7 | .3 | -.2 | .4 | -.5 | .3 | -.3 | .3 | -.2 |
| Type Of Card | Families owning a credit or charge card (percent except as noted) | ||||||||
| Any credit or charge card | |||||||||
| 1983 | 35.4 | 70.8 | 90.9 | -35.4 | 20.1 | -28.6 | 10.2 | -28.2 | 8.7 |
| 1989 | 39.8 | 76.1 | 93.2 | -36.3 | 17.1 | -28.8 | 10.1 | -28.0 | 8.1 |
| 1992 | 46.3 | 75.9 | 92.6 | -29.6 | 16.7 | -21.1 | 8.7 | -21.7 | 8.0 |
| 1995 | 47.2 | 79.0 | 95.4 | -31.8 | 16.4 | -29.9 | 13.9 | -30.8 | 12.5 |
| 1998 | 44.8 | 77.1 | 94.4 | -32.3 | 17.3 | -25.4 | 10.2 | -25.3 | 9.9 |
| 2001 | 52.6 | 81.3 | 94.7 | -28.6 | 13.4 | -23.3 | 8.5 | -23.2 | 8.0 |
| 2004 | 48.6 | 80.0 | 95.7 | -31.5 | 15.6 | -27.9 | 10.0 | -27.9 | 10.0 |
| Mean | 45.0 | 77.2 | 93.8 | -32.2 | 16.6 | -26.4 | 10.2 | -26.4 | 9.3 |
| Trend | .7 | .4 | .2 | .3 | -.2 | .1 | .0 | .1 | .1 |
| Bank-type or travel and entertainment card | |||||||||
| 1983 | 17.1 | 43.9 | 74.9 | -26.8 | 31.0 | -21.7 | 20.4 | -22.5 | 19.8 |
| 1989 | 23.5 | 62.3 | 85.9 | -38.8 | 23.6 | -31.2 | 15.6 | -30.7 | 13.2 |
| 1992 | 34.9 | 64.9 | 88.6 | -30.1 | 23.6 | -21.5 | 13.5 | -21.2 | 12.6 |
| 1995 | 37.3 | 71.8 | 92.0 | -34.5 | 20.2 | -31.5 | 16.8 | -32.1 | 15.1 |
| 1998 | 38.2 | 72.2 | 92.4 | -34.0 | 20.2 | -25.8 | 12.2 | -25.4 | 11.9 |
| 2001 | 47.7 | 78.4 | 93.8 | -30.8 | 15.4 | -24.7 | 10.1 | -24.4 | 9.7 |
| 2004 | 44.7 | 76.9 | 94.3 | -32.3 | 17.4 | -28.8 | 11.7 | -28.8 | 11.7 |
| Mean | 34.7 | 67.2 | 88.8 | -32.5 | 21.6 | -26.4 | 14.3 | -26.5 | 13.4 |
| Trend | 1.5 | 1.5 | .9 | -.1 | -.7 | -.2 | -.4 | -.1 | -.4 |
| Store or gas card only | |||||||||
| 1983 | 18.3 | 26.9 | 16.0 | -8.6 | -10.9 | -8.8 | -10.9 | -8.7 | -11.6 |
| 1989 | 16.4 | 13.8 | 7.3 | 2.5 | -6.5 | 2.9 | -6.6 | 3.2 | -6.5 |
| 1992 | 11.4 | 11.0 | 4.0 | .4 | -7.0 | 1.0 | -6.9 | .8 | -6.6 |
| 1995 | 9.9 | 7.2 | 3.4 | 2.7 | -3.8 | 2.7 | -3.8 | 2.6 | -4.0 |
| 1998 | 6.6 | 4.9 | 2.0 | 1.7 | -2.9 | 1.3 | -2.8 | 1.3 | -3.0 |
| 2001 | 5.0 | 2.8 | .9 | 2.1 | -2.0 | 2.0 | -2.0 | 2.0 | -2.0 |
| 2004 | 3.9 | 3.1 | 1.3 | .8 | -1.8 | .7 | -1.8 | .7 | -1.8 |
| Mean | 10.2 | 10.0 | 5.0 | .2 | -5.0 | .3 | -5.0 | .3 | -5.1 |
| Trend | -.8 | -1.1 | -.7 | .4 | .4 | .3 | .4 | .3 | .5 |
Refer to notes to table 4.
| Item | Less than 35 | 35-44 | 45-61 | 62 or older | Adjusted difference relative to age 48 (percentage points) | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| With family characteristics for year shown | With family characteristics for 2004 | |||||||||||
| Less than 35 | 35-44 | 45-61 | 62 or older | Less than 35 | 35-44 | 45-61 | 62 or older | |||||
| Type Of Debt | Families holding debt (percent except as noted) | |||||||||||
| Any | ||||||||||||
| 1983 | 79.2 | 87.2 | 76.7 | 34.8 | -2.3 | 2.5 | -5.9 | -41.9 | -2.8 | 1.3 | -4.2 | -47.2 |
| 1989 | 79.8 | 88.6 | 81.7 | 41.5 | -4.2 | .2 | -3.4 | -39.4 | -4.3 | -.2 | -3.2 | -42.6 |
| 1992 | 81.5 | 86.3 | 81.3 | 46.1 | -1.2 | .8 | -4.4 | -35.0 | -2.1 | -.6 | -4.1 | -35.9 |
| 1995 | 83.5 | 87.0 | 82.5 | 46.8 | .7 | 2.3 | -2.6 | -33.6 | 1.0 | 2.3 | -2.7 | -34.8 |
| 1998 | 81.2 | 87.6 | 83.8 | 42.4 | -3.3 | .6 | -3.3 | -39.9 | -3.2 | 1.3 | -3.2 | -39.7 |
| 2001 | 82.7 | 88.6 | 81.4 | 48.1 | -.2 | 3.4 | -3.7 | -32.9 | -.6 | 2.5 | -4.4 | -32.8 |
| 2004 | 79.8 | 88.6 | 84.5 | 52.7 | -6.8 | .0 | -4.6 | -33.4 | -6.8 | .0 | -4.6 | -33.4 |
| Mean | 81.1 | 87.7 | 81.7 | 44.6 | -2.5 | 1.4 | -4.0 | -36.6 | -2.7 | 1.0 | -3.8 | -38.1 |
| Trend | .1 | .1 | .3 | .7 | -.1 | .0 | .1 | .4 | -.1 | .0 | .0 | .6 |
| Mortgage | ||||||||||||
| 1983 | 32.6 | 58.1 | 45.8 | 15.2 | -19.1 | -.4 | -9.0 | -29.5 | -18.4 | -1.7 | -7.5 | -34.5 |
| 1989 | 34.8 | 57.9 | 52.5 | 16.8 | -20.8 | -6.1 | -7.0 | -33.9 | -21.3 | -7.2 | -6.3 | -36.6 |
| 1992 | 30.9 | 55.5 | 55.0 | 17.7 | -23.2 | -4.4 | -5.4 | -32.4 | -23.9 | -4.9 | -5.2 | -34.5 |
| 1995 | 33.0 | 54.3 | 57.3 | 20.4 | -18.5 | -4.3 | -3.0 | -28.0 | -19.9 | -5.6 | -3.4 | -30.1 |
| 1998 | 33.2 | 58.7 | 56.5 | 21.5 | -14.0 | 2.2 | -1.0 | -24.8 | -14.8 | 3.0 | -.8 | -25.8 |
| 2001 | 35.7 | 59.6 | 56.7 | 24.4 | -16.2 | -.2 | -4.2 | -27.4 | -16.7 | -1.2 | -4.4 | -25.9 |
| 2004 | 37.7 | 62.8 | 60.3 | 28.3 | -20.3 | -1.3 | -5.5 | -29.3 | -20.3 | -1.3 | -5.5 | -29.3 |
| Mean | 34.0 | 58.1 | 54.9 | 20.6 | -18.9 | -2.1 | -5.0 | -29.3 | -19.3 | -2.7 | -4.7 | -31.0 |
| Trend | .2 | .2 | .6 | .6 | .1 | .1 | .2 | .2 | .1 | .2 | .2 | .5 |
| Installment | ||||||||||||
| 1983 | 55.4 | 59.5 | 45.4 | 14.8 | 3.8 | 5.1 | -7.6 | -33.2 | 1.8 | 3.4 | -6.6 | -36.7 |
| 1989 | 54.6 | 63.9 | 50.8 | 18.4 | -2.3 | 4.5 | -8.3 | -39.3 | -2.3 | 4.5 | -7.9 | -40.1 |
| 1992 | 52.6 | 53.5 | 46.3 | 17.8 | 2.4 | 3.1 | -5.5 | -33.4 | 2.5 | 1.7 | -5.5 | -33.8 |
| 1995 | 51.9 | 54.0 | 43.5 | 15.1 | 4.1 | 4.7 | -6.5 | -32.9 | 5.4 | 5.4 | -7.6 | -33.1 |
| 1998 | 48.1 | 47.3 | 43.0 | 13.9 | 1.7 | -.6 | -4.8 | -32.6 | 2.9 | -1.0 | -5.1 | -31.6 |
| 2001 | 55.2 | 53.1 | 40.9 | 18.4 | 12.6 | 8.8 | -3.4 | -25.1 | 11.9 | 8.7 | -3.7 | -24.6 |
| 2004 | 48.3 | 50.3 | 41.9 | 22.7 | 6.8 | 5.9 | -3.0 | -18.5 | 6.8 | 5.9 | -3.0 | -18.5 |
| Mean | 52.3 | 54.5 | 44.6 | 17.3 | 4.2 | 4.5 | -5.6 | -30.7 | 4.1 | 4.1 | -5.6 | -31.2 |
| Trend | -.3 | -.6 | -.3 | .2 | .4 | .1 | .3 | .7 | .4 | .1 | .2 | .9 |
| Any credit or charge card balance | ||||||||||||
| 1983 | 38.4 | 51.5 | 43.1 | 16.7 | -4.2 | 5.2 | -1.5 | -22.0 | -4.8 | 4.1 | -1.2 | -27.3 |
| 1989 | 44.5 | 50.5 | 44.2 | 21.1 | -1.8 | -1.5 | -4.8 | -23.7 | .3 | -3.2 | -4.6 | -26.9 |
| 1992 | 48.1 | 47.0 | 43.9 | 25.1 | 4.3 | .4 | -3.5 | -18.7 | 4.4 | .7 | -3.3 | -19.8 |
| 1995 | 49.0 | 52.9 | 50.0 | 25.7 | -3.7 | -1.3 | -4.5 | -26.5 | -2.5 | -.2 | -5.1 | -26.9 |
| 1998 | 48.1 | 48.6 | 48.1 | 22.0 | -2.2 | -2.8 | -2.7 | -26.7 | -.9 | -1.7 | -2.9 | -26.1 |
| 2001 | 46.9 | 51.5 | 45.5 | 25.3 | -2.4 | 1.3 | -3.8 | -22.7 | -3.0 | .4 | -4.2 | -21.9 |
| 2004 | 43.1 | 54.9 | 48.1 | 28.1 | -8.6 | 3.0 | -4.0 | -22.8 | -8.6 | 3.0 | -4.0 | -22.8 |
| Mean | 45.4 | 51.0 | 46.1 | 23.4 | -2.7 | .6 | -3.5 | -23.3 | -2.2 | .4 | -3.6 | -24.5 |
| Trend | .2 | .1 | .2 | .4 | -.2 | -.1 | -.1 | -.1 | -.2 | .0 | -.1 | .2 |
| Type Of Card | Families owning a credit or charge card (percent except as noted) | |||||||||||
| Any credit or charge card | ||||||||||||
| 1983 | 57.2 | 74.2 | 74.2 | 59.0 | -12.5 | -2.2 | 3.1 | 2.0 | -12.9 | -2.7 | 2.1 | -1.7 |
| 1989 | 61.7 | 74.2 | 75.6 | 68.6 | -11.2 | -7.9 | .3 | 4.4 | -10.5 | -9.0 | .3 | 2.5 |
| 1992 | 67.0 | 72.1 | 78.0 | 70.4 | -2.4 | -3.2 | 3.0 | 4.3 | -1.6 | -1.9 | 2.9 | 5.0 |
| 1995 | 66.9 | 75.1 | 79.5 | 74.5 | -4.5 | -1.2 | 2.1 | 8.2 | -3.4 | .8 | 2.3 | 6.6 |
| 1998 | 63.3 | 75.0 | 80.2 | 69.7 | -5.1 | -1.4 | 3.3 | 5.4 | -5.6 | -1.8 | 3.3 | 4.6 |
| 2001 | 67.0 | 79.1 | 81.6 | 74.8 | -8.2 | -3.1 | -.9 | .6 | -8.3 | -3.4 | -1.2 | .8 |
| 2004 | 63.3 | 75.7 | 81.0 | 76.3 | -10.5 | -3.6 | .1 | 3.3 | -10.5 | -3.6 | .1 | 3.3 |
| Mean | 63.8 | 75.1 | 78.6 | 70.5 | -7.8 | -3.2 | 1.6 | 4.0 | -7.5 | -3.1 | 1.4 | 3.0 |
| Trend | .3 | .2 | .4 | .7 | .1 | .1 | -.1 | .0 | .1 | .1 | -.1 | .2 |
| Bank-type or travel and entertainment card | ||||||||||||
| 1983 | 36.7 | 56.2 | 53.4 | 37.3 | -9.9 | 1.0 | 3.2 | .9 | -9.9 | .9 | 2.3 | -1.4 |
| 1989 | 48.8 | 63.4 | 66.1 | 52.2 | -12.3 | -9.9 | .0 | -.1 | -12.8 | -10.8 | .0 | 1.0 |
| 1992 | 56.5 | 65.7 | 70.9 | 59.8 | -4.6 | -3.0 | 3.4 | 4.2 | -4.3 | -1.2 | 3.1 | 4.3 |
| 1995 | 59.6 | 69.8 | 74.9 | 64.6 | -6.3 | -2.1 | 2.0 | 4.6 | -5.9 | -.7 | 2.1 | 2.8 |
| 1998 | 58.4 | 72.0 | 76.2 | 63.6 | -2.7 | .4 | 3.3 | 5.9 | -3.8 | -1.1 | 3.1 | 5.0 |
| 2001 | 64.5 | 77.3 | 79.2 | 69.8 | -7.1 | -2.1 | -.5 | .3 | -7.1 | -2.3 | -.6 | .6 |
| 2004 | 60.8 | 73.8 | 78.3 | 72.5 | -8.8 | -2.3 | .3 | 3.0 | -8.8 | -2.3 | .3 | 3.0 |
| Mean | 55.1 | 68.3 | 71.3 | 60.0 | -7.4 | -2.6 | 1.7 | 2.7 | -7.5 | -2.5 | 1.5 | 2.2 |
| Trend | 1.2 | .9 | 1.2 | 1.6 | .2 | .1 | -.1 | .1 | .2 | .0 | -.1 | .2 |
| Store or gas card only | ||||||||||||
| 1983 | 20.5 | 18.1 | 20.8 | 21.7 | .2 | -2.6 | .3 | .7 | .5 | -2.1 | .5 | .5 |
| 1989 | 12.9 | 10.8 | 9.5 | 16.4 | 3.6 | 1.7 | .4 | 7.3 | 3.5 | 1.4 | .3 | 7.0 |
| 1992 | 10.5 | 6.4 | 7.2 | 10.6 | 3.6 | -.5 | .2 | 3.6 | 3.9 | -.5 | .5 | 4.0 |
| 1995 | 7.2 | 5.3 | 4.6 | 9.9 | 2.9 | 1.0 | .3 | 5.6 | 3.1 | 1.2 | .4 | 6.1 |
| 1998 | 4.9 | 3.0 | 4.0 | 6.1 | 1.3 | -.5 | .5 | 2.7 | 1.4 | -.3 | .6 | 2.8 |
| 2001 | 2.5 | 1.8 | 2.4 | 5.0 | -.3 | -1.0 | -.4 | 2.2 | -.2 | -.9 | -.4 | 2.1 |
| 2004 | 2.5 | 1.9 | 2.7 | 3.9 | -.8 | -1.2 | -.2 | 1.2 | -.8 | -1.2 | -.2 | 1.2 |
| Mean | 8.7 | 6.8 | 7.3 | 10.5 | 1.5 | -.4 | .2 | 3.3 | 1.6 | -.4 | .2 | 3.4 |
| Trend | -.9 | -.8 | -.8 | -.9 | -.1 | .0 | .0 | -.1 | -.1 | .0 | .0 | -.1 |
Refer to notes to table 4.