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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.
TransUnion's forecast has the average credit card balance per consumer rising $100 from the fourth quarter of 2015 to yearend 2016, to reach $5,437. By the close of 2017, the forecast is $5,509. As interest rates rise, so will monthly payments on revolving debt.