Line
Credit Card Delinquency
U.S. credit card balances 90+ days past due, and the share of balances newly falling that far behind, %
Plays the chart through its history. Pauses are where the data set a record or moved most.
Share of balances 90+ days delinquent · Continuation · the recent trend, flattening · 1 year
Flow into serious delinquency · Continuation · the recent trend, flattening · 1 year
Dashed: the projection from the latest reading. Shaded: the range about two in three outcomes land in. A projection, not a promise.
Serious delinquency means 90 or more days past due. The flow line is the share of balances that moved into serious delinquency over the past year.
Two views of how many Americans are falling behind on credit cards. The stock line shows the share of all card balances already 90 or more days late; the flow line shows how fast new balances are joining them, which tends to turn first.
What this chart reads
- Credit Card Balances 90+ Days Delinquent · Quarterly (NY Fed)as “Share of balances 90+ days delinquent”latest 2026-06-30
- Credit Card Balances Flowing Into Serious Delinquency (NY Fed)as “Flow into serious delinquency”latest 2026-06-30
Sources
Credit Card Balances 90+ Days Delinquent · Quarterly (NY Fed). Source: Federal Reserve Bank of New York, Quarterly Report on Household Debt and Credit (data xlsx, Page 12). Public.
Credit Card Balances Flowing Into Serious Delinquency (NY Fed). Source: Federal Reserve Bank of New York, Quarterly Report on Household Debt and Credit, data workbook (Page 14). Public.
Charts are drawn from Palanor's signal library and recomputed from source data on every view. Transformations (changes, indexing, year-on-year rates) are Palanor's.