Credit Vitals
A weekly look at U.S. consumer credit in numbers, published Wednesdays and featured in that morning's Morning Interest.
Serious card delinquency eases, and limits grow faster than balances
An annualized 6.87% of card balances moved 90 or more days past due in the third quarter, the lowest rate since early 2024, New York Fed data released Tuesday show.
New editions are added here every Wednesday, each with its own data download.
About the data
Editions draw on public sources such as the Federal Reserve's G.19 consumer credit release and quarterly charge-off and delinquency rates, the New York Fed's household debt report, the BEA personal saving rate, BLS unemployment, and the monthly credit statistics that card issuers file with the SEC. Every page names its sources, and every CSV holds the numbers behind that week's charts.
Get this weekly in Morning Interest. Credit Vitals runs every Wednesday in Morning Interest, a free daily briefing on cards, consumer credit and fintech.