2.92%
2026 (YTD) (latest)
CREDIT CARD DELINQUENCY RATE
percent of credit card balances 30+ days past due, all commercial banks, annual average · 1991–2026 · lower is better · Federal Reserve Board via FRED (DRCCLACBS)
5.35%
1991
6.53%
high · 2009
1.64%
low · 2021
−2.43 pts
since 1991
┊ dashed lines mark 2001 Dot-com bust & 9/11 · 2008 Global financial crisis · 2020 COVID-19 pandemic
Method & caveats. Delinquency rate on credit card loans at all commercial banks (Fed Board Charge-Off and Delinquency Rates release): loans 30 days or more past due plus nonaccrual, seasonally adjusted, as a percent of balances. Annual value is the mean of the four quarters. Covers bank-held cards only; the New York Fed's serious (90+ day) delinquency series from the Consumer Credit Panel is in this dataset as creditCardSeriousDelinquency.
Sources
Every value on this page is read from the publisher below. Current and historical source documents:
- https://fred.stlouisfed.org/series/DRCCLACBS
- https://github.com/danielmiessler/substrate/tree/main/Data/US-Societal-Health
Data
| Year | Credit Card Delinquency Rate | Change |
|---|---|---|
| 2026 | 2.92% | −0.08 pts |
| 2025 | 3.00% | −0.17 pts |
| 2024 | 3.17% | +0.36 pts |
| 2023 | 2.81% | +0.85 pts |
| 2022 | 1.96% | +0.32 pts |
| 2021 | 1.64% | −0.67 pts |
| 2020 | 2.31% | −0.27 pts |
| 2019 | 2.58% | +0.07 pts |
| 2018 | 2.51% | +0.03 pts |
| 2017 | 2.48% | +0.23 pts |
| 2016 | 2.25% | +0.11 pts |
| 2015 | 2.14% | −0.09 pts |
| 2014 | 2.23% | −0.27 pts |
| 2013 | 2.50% | −0.38 pts |
| 2012 | 2.88% | −0.66 pts |
| 2011 | 3.54% | −1.36 pts |
| 2010 | 4.90% | −1.63 pts |
| 2009 | 6.53% | +1.50 pts |
| 2008 | 5.03% | +0.78 pts |
| 2007 | 4.25% | +0.24 pts |
| 2006 | 4.01% | +0.31 pts |
| 2005 | 3.70% | −0.42 pts |
| 2004 | 4.12% | −0.35 pts |
| 2003 | 4.47% | −0.39 pts |
| 2002 | 4.86% | +0.00 pts |
| 2001 | 4.86% | +0.35 pts |
| 2000 | 4.51% | −0.09 pts |
| 1999 | 4.60% | −0.14 pts |
| 1998 | 4.74% | +0.01 pts |
| 1997 | 4.73% | +0.39 pts |
| 1996 | 4.34% | +0.59 pts |
| 1995 | 3.75% | +0.39 pts |
| 1994 | 3.36% | −0.90 pts |
| 1993 | 4.26% | −0.75 pts |
| 1992 | 5.01% | −0.34 pts |
| 1991 | 5.35% | — |
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