# Household extended credit card rate

Annualised interest rate reported monthly on euro extended credit card debt owed by households, where the card balance is carried beyond the interest-free period.

## Key facts

- Bulgaria had the highest household extended credit card rate of 17 EU countries in August 2026, at 21.55%, and France the lowest, at 0%. Source: the European Central Bank.
- Published for 21 places, with figures from June 2010 to August 2026.
- Figures last updated on 2026-10-12.

- Indicator id: `ecb_household_credit_card_rate`
- Unit: %
- Note: For this instrument the ECB extends new-business coverage to the whole outstanding amount. The rate therefore covers existing balances and is not restricted to new flows during the month. Annualised agreed rates or narrowly defined effective rates (AAR/NDER) cover interest and exclude fees and other charges. Household figures include non-profit institutions serving households. Corporations are non-financial companies. The euro area aggregate has changing membership. Country histories vary and missing values are not filled.
- Web page: https://invokely.ai/en/household-extended-credit-card-rate
- API: https://invokely.ai/api/v1/indicators/ecb_household_credit_card_rate

## Rankings

- [EU countries](https://invokely.ai/rankings/household-extended-credit-card-rate/eu-countries.md) (20 places)