Tracker
Credit-Card Delinquency Rate
Share of credit-card balances at least 30 days past due.
2.9%
Percent · latest, Jan 2026
vs prior quarter → 0.0 pp
vs year ago ▼ 0.1 pp
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
Reading it. Past-due balances as a share of all credit-card balances. A sign of household financial stress; reported quarterly by the Federal Reserve from commercial-bank data.
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 or policy up with a move on this chart is not evidence that it caused the move.