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Credit Card Balances Remain Flat as Consumers Show Credit Discipline Banks Tighten Lending Criteria, Pivot to More Cautious Posture Credit Delinquencies Stable Across All Credit Products Compared to February 2025 SAN FRANCISCO , April 30, 2025 /PRNewswire/ -- Consumers demonstrated a disciplined and resilient use of credit despite significant financial market volatility, according to the March 2025 edition of CreditGaugeTM from VantageScore . The average VantageScore credit score increased by one point to 702 from February 2025 , while overall consumer credit balances remained largely stable. New credit originations for Credit Cards and Personal Loans slowed month-over-month as banks appeared to tighten their lending criteria in a pivot to a more cautious lending posture.
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