Consumer credit in the United States posted a strong increase in December 2025, with total borrowing rising to $24.05 billion, up sharply from November’s previously reported $4.70 billion. The latest figures, updated on 06 February 2026, highlight a significant acceleration in household credit use at the end of the year.
The December jump suggests consumers leaned more heavily on credit heading into the holiday period, reversing the relatively subdued expansion seen in November 2025. While the data does not break down specific components, such a swing in overall consumer credit can signal stronger spending momentum, but may also raise questions about the sustainability of growth if it is increasingly debt-driven.
Analysts and market participants will be watching upcoming releases closely to see whether December’s surge proves to be a one-off seasonal spike or the start of a broader trend toward higher consumer leverage in 2026.
