Line chart showing average quarterly credit card utilization by race/ethnicity from Q1 2022 through Q4 2023, with a vertical line marking when emergency allotments expired in Q1 2023. Utilization trends gradually upward for all groups across the period, a pattern that appears unrelated to the expiration of EAs. Black participants have the highest utilization throughout (peaking above 70 percent); Asian and Pacific Islander participants have the lowest (around 30–35 percent).