The trend over time.
The latest available read: Credit Card Delinquency Rate is at 2.85% as of Q2 2026. Source: FRED · DRCCLACBS. CSV and PNG downloads cover the selected date range.
What Credit Card Delinquency Rate measures.
The delinquency rate on credit card loans at commercial banks, seasonally adjusted, as a percentage of loans, from the Federal Reserve. It is published quarterly.
Credit cards are the first loans many households fall behind on when money is tight, so a rising rate is an early sign of strain. Compare it with its pre-2020 level to judge whether it is normalizing or deteriorating.
Why it matters.
Rising delinquency signals financial stress spreading through the economy, which can tighten lending and raise rates for everyone. Falling rates like now suggest households are stabilizing, reducing recession risk and credit market strain.
Where it fits.
Credit Card Delinquency Rate is covered on the Credit page.