Chart 6. Increases in Credit Card Use Have Been Most Pronounced Among Lower Income Households

	1989	1992	1995	1998	2001
Lowest Income Quintile	15.2	23.5	26.1	24.4	30.3
2nd Income Quintile	28.2	41.8	43.3	41.2	44.7
3rd Income Quintile	49.0	51.8	52.5	50.0	52.6
4th Income Quintile	56.7	55.6	60.3	57.3	52.5
Highest Income Quintile	49.3	45.8	54.1	47.6	41.8

Source: Survey of Consumer Finance, Board of Governors
of the Federal Reserve System