Net Percentage of Domestic Banks Reducing Credit Limits on Credit Card Loans
SUBLPDCLCTCNQ • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
6.30
Year-over-Year Change
-194.03%
Date Range
1/1/1996 - 7/1/2025
Summary
Measures the percentage of domestic banks reducing credit card loan limits. Provides insight into consumer credit market tightening.
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 indicator tracks banks' actions in adjusting credit card lending limits across domestic financial institutions. It reflects broader credit market conditions.
Methodology
Surveys capture net percentage of banks reducing credit card credit limits.
Historical Context
Used by policymakers to understand consumer credit market dynamics.
Key Facts
- Indicates consumer credit market tightness
- Reflects bank risk management strategies
- Important for understanding lending conditions
FAQs
Q: What does this metric reveal about credit markets?
A: Shows banks' willingness to restrict credit card lending. Higher percentages indicate more conservative lending approaches.
Q: How might this impact consumers?
A: Reduced credit limits can decrease consumer spending power and financial flexibility.
Q: Why do economists monitor this data?
A: Provides early warning of potential credit market contraction or economic stress.
Q: How frequently is this data collected?
A: Typically reported quarterly through bank lending surveys.
Q: What are potential interpretations of this metric?
A: Can signal economic uncertainty or banks' risk management strategies during challenging periods.
Related Trends
Number of Domestic Banks That Tightened and Reported That Increased Concerns About the Effects of Legislative Changes, Supervisory Actions, or Changes in Accounting Standards Was a Very Important Reason
SUBLPDCIRTEVNQ
Net Percentage of Large Domestic Banks Tightening Standards for Consumer Loans Excluding Credit Card and Auto Loans
SUBLPDCLXSLGNQ
Net Percentage of Domestic Banks Tightening Standards for Government Mortgage Loans
SUBLPDHMSGNQ
Net Percentage of Domestic Banks Reporting Stronger Demand for Household Loans, Weighted by Banks' Outstanding Loan Balances by Category
SUBLPDMHDXWBNQ
Number of Large Domestic Banks That Reported Stronger Commercial and Industrial Loan Demand and Reported That Decreased Customer Internally Generated Funds Was a Very Important Reason
SUBLPDCIRSGVLGNQ
Number of Other Domestic Banks That Eased and Reported That Increased Tolerance for Risk Was Not an Important Reason
SUBLPDCIRERNOTHNQ
Citation
U.S. Federal Reserve, Net Percentage of Domestic Banks Reducing Credit Limits on Credit Card Loans (SUBLPDCLCTCNQ), retrieved from FRED.