I don’t think that rate of maxing out a credit card is very interesting. I mean, that says that you’re whacking into the limit of what the credit issuer is willing to let you borrow in terms of risk that they’re willing to take, but it doesn’t really say much about the impact on an individual.

Like, the real concern would be how much debt is being carried on average from month-to-month.

A credit card just provides payment processing services. Like, this particular statistic would care about whether, say, someone is paying for a given large-ticket item via check or credit card, but in practice, that doesn’t have a whole lot of impact on an individual.