Credit Card Delinquency Rate
US Credit Card Delinquency Rate — Historical Chart
2.92%
▼ 4.58% YoYJan 2026
All-Time High
6.77%
All-Time Low
1.53%
Data Since
1991
Source: FRED / Federal ReserveShaded = NBER recessions
Percentage of credit card balances that are 30+ days past due at all US commercial banks (quarterly). A lagging indicator of consumer financial stress. Peaked at 6.8% in Q2 2009. After COVID stimulus drove it to historic lows, delinquency rates have risen sharply since 2022 — a leading signal of consumer distress.