Just looked this up, it is the first result, so take that with a grain of salt:
"ValuePenguin found that more than 40% of all US households carry credit card debt, with the average American household carrying a balance of $5,700. For only indebted households, which excludes people who pay their balances in full every month, the average debt is $9,333."
Source: https://www.businessinsider.com/average-credit-card-debt-in-every-state-ranked-2018-8
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I spent a lot of time closing out credit cards. I now have 2, plus a bank card. One is the major card, the other is basically for PayPal play money.
While nobody can tell the future, it doesn't take a brain surgeon to know that economic "good times" won't be around forever. I'd say we here in The States probably have another year of stability, then the election cycle will begin and all bets are off.
So, if you can get it paid within a year, I'd say good on ya. If you're looking at the 24 month option, you shouldn't be buying a pin.
Just my $0.02