Credit & Financial Stressquarterly
Credit Card Delinquency Rate
Delinquency rate on credit card loans, consumer stress indicator.
The Credit Card Delinquency Rate is currently 2.94%, last updated .
2.94%
1W -1.34%1M -1.34%3M -1.34%
Updated 10m agoStatistical forecast 2026
Model-based central estimate, 68% and 95% confidence bands for Credit Card Delinquency Rate, blended across current macro regimes.
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Financial conditions indexes are the Fed's dashboard. The Chicago Fed's NFCI blends over 100 inputs spanning equity volatility, credit spreads, funding stress, and leverage. Real yields across the TIPS curve reveal the true cost of capital after inflation, while liquidity measures (reverse repo, TGA, reserves) show whether the system is flush or stressed. Together they form the transmission belt from policy rate to real economy.
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Recent Data
Download CSV| Date | Value | Change |
|---|---|---|
| Oct 1, 2025 | 2.94% | -1.34% |
| Jul 1, 2025 | 2.98% | -1.97% |
| Apr 1, 2025 | 3.04% | -0.65% |
| Jan 1, 2025 | 3.06% | -0.65% |
| Oct 1, 2024 | 3.08% | -3.75% |
| Jul 1, 2024 | 3.20% | -0.62% |
| Apr 1, 2024 | 3.22% | +1.58% |
| Jan 1, 2024 | 3.17% | +2.26% |
| Oct 1, 2023 | 3.10% | +5.44% |
| Jul 1, 2023 | 2.94% | +6.91% |
| Apr 1, 2023 | 2.75% | +11.34% |
| Jan 1, 2023 | 2.47% | +9.29% |
| Oct 1, 2022 | 2.26% | +10.24% |
| Jul 1, 2022 | 2.05% | +12.02% |
| Apr 1, 2022 | 1.83% | +8.28% |
| Jan 1, 2022 | 1.69% | +7.64% |
| Oct 1, 2021 | 1.57% | +2.61% |
| Jul 1, 2021 | 1.53% | -3.77% |
| Apr 1, 2021 | 1.59% | -15.43% |
| Jan 1, 2021 | 1.88% | -10.48% |
| Oct 1, 2020 | 2.10% | +5.53% |
| Jul 1, 2020 | 1.99% | -18.78% |
| Apr 1, 2020 | 2.45% | -8.92% |
| Jan 1, 2020 | 2.69% | — |
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Explore Further
Forecast 2026
Credit Card Delinquency Rate Outlook
Scenario-weighted forecast using regime implied approach.
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Frequently Asked Questions
▶What is Credit Card Delinquency Rate?
Delinquency rate on credit card loans, consumer stress indicator.
▶How does Credit Card Delinquency Rate relate to credit & financial stress?
Credit Card Delinquency Rate is part of the Credit & Financial Stress category. Financial conditions indexes are the Fed's dashboard. The Chicago Fed's NFCI blends over 100 inputs spanning equity volatility, credit spreads, funding stress, and leverage. Real yields across the TIPS curve reveal the true cost of capital after inflation, while liquidity measures (reverse repo, TGA, reserves) show whether the system is flush or stressed. Together they form the transmission belt from policy rate to real economy.
▶How often is Credit Card Delinquency Rate updated?
Credit Card Delinquency Rate is updated once per quarter when the releasing agency publishes new data. Each metric page on Convex shows the exact time of the last data update and provides historical data going back up to five years.
▶Where does Convex source Credit Card Delinquency Rate data?
Convex sources Credit Card Delinquency Rate data from the Federal Reserve Economic Data (FRED) API, maintained by the Federal Reserve Bank of St. Louis. Data is fetched automatically and displayed alongside interactive charts, AI analysis, and historical context.
▶What can I do on the Credit Card Delinquency Rate chart page?
The Credit Card Delinquency Rate page includes an interactive chart with selectable time ranges (1 month to 5 years), percentage changes over multiple timeframes, a table of recent readings, AI-generated analysis, and links to related metrics and comparisons.
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Data sourced from FRED, CoinGecko, CBOE, CFTC, and EIA. Updated quarterly. This page is for informational purposes only and does not constitute financial advice.