For more insights and key statistics on the biggest trends in today’s most disruptive industries, subscribe to our Chart of the Day newsletter.

More than two-thirds of US consumer credit card revenues came from consumers themselves in 2022, per our estimates. Interest made up the biggest chunk at about 56% of total revenues.

While the average revenue made from each merchant was much higher ($7,800, compared with $930 per card holder), total revenues from consumers were more than twice those from merchants.

Beyond the chart: Total US credit card balances hit $916 billion in September 2022, reaching pre-pandemic levels, per Equifax. As inflationary pressure continues, that number will likely grow. According to a July 2022 survey by Marqeta, 44% of US adults were struggling to make their minimum credit card payments, and 67% said they had relied on credit cards to make ends meet over the past 12 months.

But card issuers beware: The Consumer Financial Protection Bureau is scrutinizing credit card practices, including what it calls “junk fees.”

More like this:

• What Biden’s crackdown on ‘junk fees’ could mean for travelers, concertgoers and credit cards
• Sightline Payments taps Visa to power prepaid casino cards
• US premium travel credit card issuers should step up security features
• Payments Trends to Watch for 2023
• Yesterday’s Chart of the Day: All about Gen Alpha