The trend since 2019.
The latest available read: Credit Card Delinquency Rate is at 2.85% as of Q2 2026. Source: FRED · DRCCLACBS.
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 feeds the Credit view — one of the six areas behind the site's Macro IQ score.