Credit & Financial Stressquarterly
Credit Card Delinquency Rate
Delinquency rate on credit card loans, consumer stress indicator.
2.94%
1W -1.34%1M -1.34%3M -1.34%
Updated 3m agoCredit markets are often the first to signal trouble. Widening high-yield spreads and rising financial stress indexes have historically led equity drawdowns by weeks or months. Tracking these gauges helps identify when risk appetite is contracting and defensive positioning is warranted.
No data available
Recent Data
| Date | Value | Change |
|---|---|---|
| Oct 1, 2025 | 2.94% | -1.34% |
| Jul 1, 2025 | 2.98% | -1.97% |
| Apr 1, 2025 | 3.04% | -0.65% |
| Jan 1, 2025 | 3.06% | -0.65% |
| Oct 1, 2024 | 3.08% | -3.75% |
| Jul 1, 2024 | 3.20% | -0.62% |
| Apr 1, 2024 | 3.22% | +1.58% |
| Jan 1, 2024 | 3.17% | +2.26% |
| Oct 1, 2023 | 3.10% | +5.44% |
| Jul 1, 2023 | 2.94% | — |
Related in Credit & Financial Stress
HY Credit Spread (OAS)
ICE BofA High Yield Option-Adjusted Spread, the market's price of default risk.
IG Credit Spread (OAS)
ICE BofA Investment Grade OAS, credit stress in high-quality corporate bonds.
HY Effective Yield
HY corporate bond effective yield, total return required by junk bond investors.
IG Effective Yield
IG corporate bond effective yield, cost of investment-grade corporate borrowing.
Explore Further
Forecast 2026
Credit Card Delinquency Rate Outlook
Scenario-weighted forecast using regime implied approach.
Comparison
Credit Card Delinquency vs Unemployment
Credit card delinquencies often rise before unemployment because consumers miss payments before they lose jobs. Rising d...
Comparison
Credit Card Delinquency vs C&I Lending Standards
Credit card delinquencies signal consumer balance-sheet stress, while C&I tightening signals bank caution on business le...
Comparison
Credit Card Delinquency vs Revolving Credit
When revolving credit grows while delinquency stays low, credit card borrowing is healthy and controllable. When delinqu...
Comparison
Credit Card Delinquency vs Consumer Sentiment
Sentiment can diverge from actual financial behavior. When delinquency rises but sentiment holds up, financial stress is...
Comparison
Consumer Lending Standards vs Credit Card Delinquency
Banks tighten standards when they anticipate losses or react to rising delinquencies. Standards often lead delinquency t...
Comparison
Credit Card Delinquency vs Total Consumer Credit
Rising delinquencies while total credit keeps growing means households are borrowing more even as repayment struggles ri...
Scenario
What Happens When U-6 Unemployment Exceeds 10%?
U-6 captures broader labor underutilization beyond the headline rate. What happens when it exceeds 10%, signaling widesp...
Scenario
What Happens When Credit Card Delinquency Exceeds 5%?
Credit card delinquency above 5% signals acute consumer stress. What happens to retailers, banks, and the consumer econo...
Scenario
What Happens When Continuing Jobless Claims Surge?
What happens when continuing unemployment claims surge above 2.0M? Signal that unemployed workers are having trouble fin...
Scenario
What Happens When Credit Card Delinquencies Spike?
What happens when credit card delinquencies spike? Consumer stress, retail impact, and bank earnings implications....
Category
All Credit & Financial Stress Data
Credit spreads, financial stress indexes, and default risk indicators. Monitor high-yield spreads, the TED spread, and s...
Frequently Asked Questions
▶What is Credit Card Delinquency Rate?
Delinquency rate on credit card loans, consumer stress indicator.
▶How does Credit Card Delinquency Rate relate to credit & financial stress?
Credit Card Delinquency Rate is part of the Credit & Financial Stress category. Credit markets are often the first to signal trouble. Widening high-yield spreads and rising financial stress indexes have historically led equity drawdowns by weeks or months. Tracking these gauges helps identify when risk appetite is contracting and defensive positioning is warranted.
▶How often is Credit Card Delinquency Rate updated?
Credit Card Delinquency Rate is updated once per quarter when the releasing agency publishes new data. Each metric page on Convex shows the exact time of the last data update and provides historical data going back up to five years.
▶Where does Convex source Credit Card Delinquency Rate data?
Convex sources Credit Card Delinquency Rate data from the Federal Reserve Economic Data (FRED) API, maintained by the Federal Reserve Bank of St. Louis. Data is fetched automatically and displayed alongside interactive charts, AI analysis, and historical context.
▶What can I do on the Credit Card Delinquency Rate chart page?
The Credit Card Delinquency Rate page includes an interactive chart with selectable time ranges (1 month to 5 years), percentage changes over multiple timeframes, a table of recent readings, AI-generated analysis, and links to related metrics and comparisons.
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Data sourced from FRED, CoinGecko, CBOE, CFTC, and EIA. Updated quarterly. This page is for informational purposes only and does not constitute financial advice.