Credit & Financial Stressquarterly
SLOOS: Credit Card Tightening
Net % of banks tightening credit card lending standards.
0.00%Updated 3m ago
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.
No data available
Recent Data
| Date | Value | Change |
|---|---|---|
| Jan 1, 2026 | 0.00% | -100.00% |
| Oct 1, 2025 | 4.20% | -59.62% |
| Jul 1, 2025 | 10.40% | +85.71% |
| Apr 1, 2025 | 5.60% | -40.43% |
| Jan 1, 2025 | 9.40% | -48.91% |
| Oct 1, 2024 | 18.40% | -8.00% |
| Jul 1, 2024 | 20.00% | -5.66% |
| Apr 1, 2024 | 21.20% | -7.42% |
| Jan 1, 2024 | 22.90% | -20.76% |
| Oct 1, 2023 | 28.90% | — |
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
SLOOS: Credit Card Tightening Outlook
Scenario-weighted forecast using regime implied approach.
Comparison
Credit Card Standards vs Revolving Credit
When banks tighten credit card lending standards (DRTSCLCC) while revolving credit (REVOLSL) keeps growing, consumers ar...
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...
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 SLOOS: Credit Card Tightening?
Net % of banks tightening credit card lending standards.
▶How does SLOOS: Credit Card Tightening relate to credit & financial stress?
SLOOS: Credit Card Tightening 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 SLOOS: Credit Card Tightening updated?
SLOOS: Credit Card Tightening 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 SLOOS: Credit Card Tightening data?
Convex sources SLOOS: Credit Card Tightening 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 SLOOS: Credit Card Tightening chart page?
The SLOOS: Credit Card Tightening 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.