Charge-off and Delinquency Rates on Loans and Leases at Commercial Banks · Delinquency rate on consumer credit card loans, all banks, seasonally adjusted
What share of credit card loans at US banks is delinquent?
The delinquency rate on credit card loans was 2.85% in the quarter ended , down 0.19 percentage points from a year earlier.
Delinquency rate on credit card loans, seasonally adjusted, each quarter
Shaded bands are US recessions as the National Bureau of Economic Research dates them: to , to , to , to .
Shaded bands are US recessions as the National Bureau of Economic Research dates them: to .
Delinquency rate on credit card loans, change from a year earlier, each quarter (ours)
Shaded bands are US recessions as the National Bureau of Economic Research dates them: to , to , to , to .
Shaded bands are US recessions as the National Bureau of Economic Research dates them: to .
Each point is one quarter of the series as the source publishes it, or a change worked out from those values (ours). The US recessions are shaded. Pointing at the chart shows the quarter and the value.
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Inspect and compare dates
The newest quarter beside the one before it and the nearest ones a year, five and ten years earlier. The last ten years are in the table under "The numbers behind the chart".
| Measure | Latest | The quarter before | A year earlier | Five years earlier | Ten years earlier |
|---|---|---|---|---|---|
| Quarter | |||||
| Delinquency rate on credit card loans | 2.85% | 2.91% | 3.04% | 1.59% | 2.21% |
| Change over a year | −0.19 pts | −0.14 pts | −0.18 pts | −0.86 pts | +0.09 pts |
The table scrolls sideways; the first column stays in place.
Observed .
Right now
The delinquency rate on credit card loans was 2.85% in the second quarter of 2026, the lowest since the second quarter of 2023.
Over a year it is down 0.19 percentage points (ours).
ChangeOurs
| Period | Then | Change |
|---|---|---|
| One quarter | 2.91%, the rate in | −0.06 percentage points |
| Four quarters | 3.04%, the rate in | −0.19 percentage points |
| Five years | 1.59%, the rate in | +1.26 percentage points |
| Ten years | 2.21%, the rate in | +0.64 percentage points |
In historyOurs
The delinquency rate on credit card loans of 2.85% in was higher than in 44 of the 141 other quarters since , the same in 0 and lower in 97.
Highest since : 6.77% in . Lowest since : 1.53% in .
AverageOurs
Average since : 3.686% (ours, a plain mean of the 142 quarters).
ComparedOurs
Over a year the delinquency rate on credit card loans is down 0.19 percentage points, which ranks 8 of the 8 rows of the table, where 1 is the largest change.
The table sets the delinquency rate on credit card loans beside the lines of the bank loan delinquency rates page, by the change over a year in each one's newest quarter.
Understanding the delinquency rate on credit card loans
Where it stands today
The delinquency rate on credit card loans was 2.85% in the second quarter of 2026.
What does the delinquency rate on credit card loans measure?
The Federal Reserve Board publishes, each quarter, the share of the loans and leases of commercial banks that are delinquent. Delinquent loans are those past due thirty days or more and still accruing interest, plus those in nonaccrual status. This page shows the share of consumer credit card loans, for all commercial banks together.
Read more
The rate is taken at the end of the quarter and is seasonally adjusted. The delinquency rates page shows it beside the rates on other types of loans.
What 500metrics adds: the change over a year in percentage points, the last quarter in which the rate was higher and lower, a rank among the lines of the delinquency rates page by that change, and the history in one chart and one file.
The numbers behind the chart
What was the delinquency rate on credit card loans in each quarter?The last ten years, 40 quarters, newest first; the chart and the file have every quarter since 1991 Q1
| Quarter | Value | Change over a year |
|---|---|---|
| 2.85% | −0.19 pts | |
| 2.91% | −0.14 pts | |
| 2.95% | −0.13 pts | |
| 2.99% | −0.21 pts | |
| 3.04% | −0.18 pts | |
| 3.05% | −0.12 pts | |
| 3.08% | −0.02 pts | |
| 3.20% | +0.25 pts | |
| 3.22% | +0.47 pts | |
| 3.17% | +0.70 pts | |
| 3.10% | +0.84 pts | |
| 2.95% | +0.90 pts | |
| 2.75% | +0.92 pts | |
| 2.47% | +0.78 pts | |
| 2.26% | +0.69 pts | |
| 2.05% | +0.52 pts | |
| 1.83% | +0.24 pts | |
| 1.69% | −0.19 pts | |
| 1.57% | −0.53 pts | |
| 1.53% | −0.46 pts | |
| 1.59% | −0.86 pts | |
| 1.88% | −0.81 pts | |
| 2.10% | −0.51 pts | |
| 1.99% | −0.61 pts |
Show 16 more rows
| Quarter | Value | Change over a year |
|---|---|---|
| 2.45% | −0.14 pts | |
| 2.69% | +0.15 pts | |
| 2.61% | +0.07 pts | |
| 2.60% | +0.08 pts | |
| 2.59% | +0.09 pts | |
| 2.54% | +0.04 pts | |
| 2.54% | +0.06 pts | |
| 2.52% | −0.02 pts | |
| 2.50% | +0.01 pts | |
| 2.50% | +0.10 pts | |
| 2.48% | +0.11 pts | |
| 2.54% | +0.25 pts | |
| 2.49% | +0.28 pts | |
| 2.40% | +0.25 pts | |
| 2.37% | +0.21 pts | |
| 2.29% | +0.14 pts |
How does it compare with the lines of the bank loan delinquency rates page?Ranked by the change over a year
| Series | Quarter | Value | Change over a year | Rank |
|---|---|---|---|---|
| Residential real estate loans | 1.86% | +0.08 pts | 1 | |
| All real estate loans | 1.68% | +0.01 pts | 2 | |
| Commercial and industrial loans | 1.27% | −0.02 pts | 3 | |
| Commercial real estate loans | 1.53% | −0.04 pts | 4 | |
| Other consumer loans | 2.33% | −0.05 pts | 5 | |
| All loans | 1.42% | −0.07 pts | 6 | |
| All consumer loans | 2.62% | −0.13 pts | 7 | |
| Credit card loans (this page) | 2.85% | −0.19 pts | 8 |
The table scrolls sideways; the first column stays in place.
What do these figures leave out, and how are they cited?Limits, dates and how to cite
What this number cannot tell you
- The Board's rates rest on the reports that commercial banks file with their regulators each quarter. The Board revises past quarters in later releases; this page always shows the newest release.
- The rate counts the loans that commercial banks report as their own. Cards issued by lenders that are not commercial banks are not in it.
- The Board prints each rate to two decimal places. The rate begins in the first quarter of 1991.
- The change over a year is ours, worked out from the Board's values; it is in percentage points.
Observed . Checked .
How to cite this
Federal Reserve Board, Charge-Off and Delinquency Rates on Loans and Leases at Commercial Banks, Delinquency rate on consumer credit card loans, all banks, seasonally adjusted, through the second quarter of 2026. Compiled by 500metrics, "What share of credit card loans at US banks is delinquent?", https://500metrics.com/bank-delinquency-rates/credit-cards.
Can the data be downloaded?bank-delinquency-rates-credit-cards.csv
Download the full history as CSV: 142 rows, to , 2,644 bytes.
Our text and compilation: CC BY 4.0.
Recession dates from the National Bureau of Economic Research.
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