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Credit cards: Lender Tracker

What this means for you

Card balances growing fast at a bank can mean it is pushing promotions; rising late payments can mean it tightens credit lines. The interest rate on your own card is what matters most: if you carry a balance, compare APRs and balance-transfer fees.

Banks and credit unions: credit card balances (all states)

Lender	Balance ▼	QoQ	YoY	30+ days late
Capital One, National Association Bank (FDIC), VA	$250.5B	+1.6%	+1.9%	3.90%
Jpmorgan Chase Bank, National Association Bank (FDIC), OH	$216.2B	+4.8%	+7.2%	1.85%
Citibank, National Association Bank (FDIC), SD	$176.0B	+5.8%	+5.5%	2.58%
American Express National Bank Bank (FDIC), UT	$113.4B	+2.7%	+7.6%	1.14%
Bank Of America, National Association Bank (FDIC), NC	$105.7B	+2.7%	+4.4%	2.23%

Showing the top 5 of 3,493 by Balance.

The full credit card table (3,493 rows), every state and the history charts is part of VaultRubric Pro. Cancel anytime before day 8 and you pay nothing.

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Market-wide

Revolving consumer credit (mostly cards), 2026-08: $1,352.4B (+3.4% vs. 12 months earlier). Market-wide, all lenders.

Monthly G.19 history chart is part of VaultRubric Pro. Cancel anytime before day 8 and you pay nothing.

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Credit cards balances 90+ days late, 2026Q2: 12.92% (market-wide, all lenders).

CFPB complaints: credit cards

Company (CFPB name)	Complaints, 12 mo ▼	Latest full month	Timely response	Top issue
CAPITAL ONE FINANCIAL CORPORATION	13,652	1,482	100.0%	Problem with a purchase shown on your statement
CITIBANK, N.A.	12,166	1,213	100.0%	Problem with a purchase shown on your statement
SYNCHRONY FINANCIAL	9,206	875	95.8%	Problem with a purchase shown on your statement
JPMORGAN CHASE & CO.	7,219	717	100.0%	Problem with a purchase shown on your statement
BANK OF AMERICA, NATIONAL ASSOCIATION	6,117	588	99.3%	Problem with a purchase shown on your statement

Showing the top 5 of 60 by Complaints, 12 mo.

The full complaint table (60 rows), every state and the history charts is part of VaultRubric Pro. Cancel anytime before day 8 and you pay nothing.

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Sources, dates and math

FDIC BankFind Suite API Call Report data, Q2 2024 to Q2 2026 (pulled 2026-10-15). Field LNCRCD (credit cards); late = P3CRCD+P9CRCD+NACRCD. 30+ days late % = late / balance.
NCUA 5300 Call Report quarterly files, Q3 2024 to Q2 2026. Acct 396 unsecured credit cards; late = 024B+026B+027B+028B.
QoQ = change vs. prior quarter; YoY = change vs. same quarter a year earlier. State = the institution's headquarters state, not where the borrowers live. Banks and credit unions only; nonbank lenders do not file call reports.
Federal Reserve G.19 Consumer Credit via FRED (millions of USD, seasonally adjusted), latest month 2026-08. Market-wide; not lender-level.
Federal Reserve Bank of New York, Quarterly Report on Household Debt and Credit, 2026Q2 (NY Fed Consumer Credit Panel/Equifax). Market-wide, built from a credit-bureau sample; not lender-level.
CFPB Consumer Complaint Database API, product Credit card; 12-month window 2025-10 to 2026-09; pulled 2026-10-15. Timely response = complaints the company answered on time / all. Top issue and timely rate are computed for the 30 companies with the most complaints. Complaints are not verified and are not a statistical sample; volume tracks company size. The current month is partial.

FAQ

How are credit cards lenders ranked here?

By the column you pick (balance, growth, late payments or complaints). It is a ranking of public facts, not a recommendation.

Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.