Widening Borrowing Gap Hints at KShaped Shift in US Credit

People shop at a mall in Arlington, Va., on March 10, 2026. Madalina Kilroy/The Epoch TimesThe U.S. credit market could be fracturing into a K-shape, according to recent industry data.Economists have been noticing the formation of a K-shape—a pattern of consumer behavior that shows wealthier consumers advancing while the less well-off lose purchasing power—in various parts of the marketplace, from spending to traveling.