Credit-Card Delinquency Rate
Share of credit-card balances at least 30 days past due.
| Year | Credit-Card Delinquency Rate |
|---|---|
| 1991 | 5.3% |
| 1992 | 4.7% |
| 1993 | 3.9% |
| 1994 | 3.3% |
| 1995 | 4.0% |
| 1996 | 4.6% |
| 1997 | 4.8% |
| 1998 | 4.7% |
| 1999 | 4.5% |
| 2000 | 4.6% |
| 2001 | 4.7% |
| 2002 | 4.8% |
| 2003 | 4.4% |
| 2004 | 4.0% |
| 2005 | 3.5% |
| 2006 | 4.0% |
| 2007 | 4.6% |
| 2008 | 5.6% |
| 2009 | 6.3% |
| 2010 | 4.1% |
| 2011 | 3.3% |
| 2012 | 2.7% |
| 2013 | 2.4% |
| 2014 | 2.1% |
| 2015 | 2.2% |
| 2016 | 2.4% |
| 2017 | 2.5% |
| 2018 | 2.5% |
| 2019 | 2.6% |
| 2020 | 2.1% |
| 2021 | 1.6% |
| 2022 | 2.3% |
| 2023 | 3.1% |
| 2024 | 3.1% |
| 2025 | 2.9% |
| 2026 | 2.9% |
Hover the line to read any month. Drag across the chart to zoom; double-click to reset.
Source: FRED · DRCCLACBS · series · Jan 1991 to Jan 2026 · latest-revised
Refreshed Jul 31, 2026 from FRED.
Share of credit-card balances at least 30 days past due.
Share of credit-card loan balances at all commercial banks that are 30 or more days past due.
Source: FRED · Jan 2026 · Full lesson → Learn
About the bands. Shaded spans are NBER-dated US recessions, drawn as factual overlays. They mark when the economy contracted, not why. Lining an event up with a move is not evidence it caused the move.
Read across
No single number is the economy. These measure nearby parts of it — add one to compare, or open it on its own.
- Household Debt-Service Ratio The overall payment burden behind the late balances.
- Personal Saving Rate The cushion households are keeping.