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The average credit card debt per person has increased over the past decade. In 2009, the average debt hovered around $4,100 per person. The average income per person is just under $28,000, according to a US Census. In other words, the average person carries about 1.5% of his or her income in credit card debt each year. Average Debt.
The Credit Score Ranges. The average credit score in the U.S. has risen in recent years but we’re still far from a world in which everyone has excellent credit. The sheer number of credit scores makes it hard to name a definitive cut-off for good credit. Some credit scores max out at 750, others at 850 and others at 990.