 Today on credit cards, it shows that about a third of all credit card holders were delinquent in payments in 2023. This is according to the New York Federal Reserve. Nearly one out of five cardholders maxed out their cards in the first quarter of this year. That's defined as using 90% or more of your available credit, which, by the way, when you get above 30% of available credit, you're going to begin to drop your credit score as a result.