Delinquency Rate on Credit Card Loans, All Commercial Banks
DRCCLACBS • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
3.05
Year-over-Year Change
80.47%
Date Range
1/1/1991 - 1/1/2025
Summary
The Delinquency Rate on Credit Card Loans tracks the percentage of credit card loans that are past due in the U.S. banking system. This metric serves as a critical indicator of consumer financial health and potential economic stress.
Analysis & Context
This economic indicator provides valuable insights into current market conditions and economic trends. The data is updated regularly by the Federal Reserve and represents one of the most reliable sources for economic analysis.
Understanding this metric helps economists, policymakers, and investors make informed decisions about economic conditions and future trends. The interactive chart above allows you to explore historical patterns and identify key trends over time.
About This Dataset
This economic indicator measures the proportion of credit card accounts that are 30 days or more behind on payments across all commercial banks. Economists use this trend to assess consumer financial strain, credit market conditions, and potential risks in household debt management.
Methodology
The data is collected by surveying commercial banks and calculating the percentage of credit card loan balances that are delinquent relative to total credit card loan balances.
Historical Context
Policymakers and financial analysts use this trend to inform monetary policy, assess consumer credit risk, and predict potential economic downturns.
Key Facts
- Delinquency rates can signal broader economic challenges and consumer financial stress
- Higher rates may indicate increased unemployment or economic uncertainty
- The trend provides insights into consumer spending and credit market conditions
FAQs
Q: What does a rising delinquency rate indicate?
A: A rising delinquency rate typically suggests increased financial strain among consumers, potentially signaling economic challenges or reduced ability to meet credit obligations.
Q: How often is this data updated?
A: The Federal Reserve typically updates this data quarterly, providing a current snapshot of credit card loan performance across commercial banks.
Q: How do delinquency rates impact banks?
A: Higher delinquency rates can lead to increased loan loss provisions, reduced profitability, and more conservative lending practices for financial institutions.
Q: What factors influence credit card delinquency rates?
A: Unemployment levels, economic conditions, consumer confidence, and individual financial circumstances can all significantly impact credit card delinquency rates.
Q: How does this metric differ from default rates?
A: Delinquency rates measure loans that are past due, while default rates specifically track loans that have been written off as uncollectible, representing a more severe financial condition.
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Citation
U.S. Federal Reserve, Delinquency Rate on Credit Card Loans, All Commercial Banks [DRCCLACBS], retrieved from FRED.
Last Checked: 8/1/2025