January 2025 Consumer Credit Report
Wednesday, January 1, 2025
Consumer Credit printed at $4958B, a +0.20% move from the prior reading of $4948B.
What to Watch For
- •Total consumer credit change ($ billions)
- •Revolving credit growth (credit card signal)
- •Non-revolving credit (auto + student loans)
- •Year-over-year growth rate
- •Context from delinquency data
Expected Market Reaction
Strong credit growth in healthy economy: consumer discretionary bid, growth confirmed. Strong credit growth with rising delinquencies: stress signal, financials weaken. Credit contraction: recession flag, defensive positioning.
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