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Card borrowing lags while student, auto loans soar

In just four years, debt for student loans and cars has rocketed past credit cards and continue to rise, while Americans' total card debt is stuck back at levels from a decade ago, a Federal Reserve Bank of New York report shows.

As of the third quarter of 2014, Americans' total debt for student loans was at $1.13 trillion, up 10 percent when compared to the previous year. Auto loan debts totaled $934 billion, 11 percent higher. Credit card balances were up 1 percent for the year, to $680 billion, but far below their peak in 2008, when they hit $866 billion.

The figures were from a nationally representative random sample of 40 million credit reports drawn from credit bureau Equifax consumers' credit report data.

America's borrowing habits

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Expert Q&A

Over-limit card scam
fools cardholder

Sally Herigstad
A cardholder gave her bank info over the phone to prevent an over-limit charge. But it wasn't her bank calling ... See Expert Q&A

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Credit Card Help 7 building
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Does improving your credit score seem daunting? It doesn't have to be. Take these seven steps.

Credit card glossary terms

Credit card glossary

Medical identity theft is the theft or fraudulent use of personal information to obtain unauthorized medical goods and services.

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'Taking Charge' blog

Sienna KossmanDual auto
payment hits
budget hard

Sienna Kossman | 12/18/2014

Last week marked my second month of auto loan repayment, a $130 checking account overdraft and a three-day long financial headache when I logged onto my online banking account and found a duplicate auto loan payment was made ... See more

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See related: Jobless grad with student loans, $29,000 card debt ponders bankruptcy

Credit card tip of the day

The number of cards you have in your wallet is not as important as how you treat them. FICO's high achievers tend to have seven cards, but they have had their cards for an average of 11 years, and they keep their balances low.

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