Not all consumers carry every type of debt simultaneously, however, even if they use credit cards or own a home or vehicle. Roughly half of all credit card users carry an interest-bearing balance from month to month, according to the American Bankers Association. Not all homeowners have a mortgage, either. And although there are almost as many vehicles registered in the U.S. as there are people, just 62% of consumers have an auto loan in their credit file, according to Experian data.