The trend since 2019.
The current read: Credit Card Delinquency Rate is at 2.92% as of January 2026. Source: FRED/BEA via Indicators IQ.
Why it matters.
When people stop paying credit card bills, it signals economic stress and can lead banks to tighten lending, making it harder for you to borrow. An improving trend suggests household finances are stabilizing, which is good news for job security and overall economic stability.
Where it fits.
Credit Card Delinquency Rate feeds the Credit view — one of the six areas behind the site's Macro IQ score.