I think your use of credit cards is atypical. How long until your cards accrue interest? If it's greater than 30 days, that's probably the result of more disciplined debt management.
There's some attempt to compare those who carry a balance vs those who pay in full:
All cards are pretty much the same in my experience, they have monthly billing cycles, and after the end of the cycle you have roughly 20 to 25 days to pay before it starts accruing interest.
Your last sentence is what I suspect, that many people don’t pay interest, but those who do might be outliers and have a decent debt burden. The type of person that is okay paying credit card interest rates is probably not going to stop at a few dollars of spending and say it’s enough.
> many people don’t pay interest, but those who do might be outliers and have a decent debt burden
About 38% of US households carry a credit card balance [1], as about 75% of consumers own 1 or more credit cards [2], that puts the number who carry a balance at around 50%.
Thanks for citing the relevant facts. Still, though, you were calling lotsofpulp's CC usage (never carrying a balance) "atypical", but that seems like a non-standard application of the term, i.e. for something half of the relevant population does, you know?
There's some attempt to compare those who carry a balance vs those who pay in full:
https://www.creditcards.com/credit-card-news/average-credit-...
Takeaway is that those who carry a balance and presumably accrue interest tend to have a higher balance.