Gen X sits at the top, near peak earning years, with the biggest balances by far. Here's the full picture of average credit card debt for each generation:Gen Z holds the smallest average credit card balance of any generation still in the workforce.But this stat gets misread constantly. It's easy to think Gen Z is just better at managing their money. The real story is more interesting, and a little less flattering.Gen Z carries the lowest credit card balance of any working generation -- about $3,493 on avera ...