How much credit card debt is too much?
Quick Answer
Any balance carried month-to-month at typical 18–25% APR is bad debt. A useful threshold: when minimum payments exceed 5% of take-home pay, the debt is constraining your finances and should be a top priority.
Warren Team
Updated November 30, 2025
34
Warren Team
Updated November 30, 2025
34
Important Disclaimer:
The information provided is for educational purposes only and should not be considered as personalized financial advice. Warren is a registered investment advisor. Past performance does not guarantee future results. Please consult with a qualified financial advisor before making investment decisions.
Get Personalized Advice
Schedule a free 15-minute consultation with our fiduciary advisors
Book Free Consultation