How many cards do you have in your name and do you have an outstanding debt on all of them?
I ask because the average seems to be so high for people in the US. Between my husband and I, we only have 3 credit cards and only one has debt on it that we are still paying off. This was used for auto repairs we had to get done late last year.
I have 4 which I plan to bring down to 2 this year. I will keep one to use monthly to keep my scores balanced and the other will be for emergencies only.