Lots of people carry a balance. Credit card lenders wouldn't exist or give away insane sign-up bonuses if they didn't.
From NerdWallet [^0]:
> A NerdWallet survey conducted by The Harris Poll in conjunction with our annual study in 2023 found that 43% of American adults who use credit cards (and 38% of all American adults) said they have revolving debt. The CFPB, meanwhile, found that at the end of 2022, payments on 48% of general purpose credit card accounts were for less than the full balance, meaning some debt was being revolved
Additionally,
> In 2022, credit card issuers “charged off” $37 billion in balances, meaning they determined that those balances weren’t going to be paid.
Total credit card debt in 2024 was ~$626.8 billion with a peak of $42 billion in 2019.
From NerdWallet [^0]:
> A NerdWallet survey conducted by The Harris Poll in conjunction with our annual study in 2023 found that 43% of American adults who use credit cards (and 38% of all American adults) said they have revolving debt. The CFPB, meanwhile, found that at the end of 2022, payments on 48% of general purpose credit card accounts were for less than the full balance, meaning some debt was being revolved
Additionally,
> In 2022, credit card issuers “charged off” $37 billion in balances, meaning they determined that those balances weren’t going to be paid.
Total credit card debt in 2024 was ~$626.8 billion with a peak of $42 billion in 2019.
That was from my own cursory research. Here's how GPT-5 did when I asked it about this topic: https://chatgpt.com/share/68b9b95f-0b14-8012-be34-48cb3bd10d.... Taking a cursory look at the sources provided shows that its analysis is mostly correct.
[^0]: https://archive.ph/0AzYa