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Average Collected Balance: For business Accounts, the Average Collected Balance is calculated by adding the Collected Balance in the Account for each day of the period (monthly or other applicable period) and dividing that figure by the total number of days in that period.
(Note: These are only bank credit cards and do not include retail credit cards.) And with those cards, Experian found that the average balance on bank cards in America in 2016 is $5,551. That number is up from the approximate $4,400 balance Experian reported in 2015.