Sure, you could look at that, but just because you carry a $6,500 balance isn't too terrible as long as you are paying it off. If you're just paying the minimum payments and not charging anything new, it could take many years to pay off that debt. The number might also look very similar for many years, even though you are paying it off. I think that's why people who can't even pay the minimum or aren't paying is a truer sign of economic distress. If you aren't paying off your credit card, it's likely you aren't paying off other debts as well, things like rent or mortgage - or will be soon if things don't improve.