Credit & debt · DRCCLACBS
Credit card delinquency rate
As of Q2 2026, the credit card delinquency rate stood at 2.85%, a change of -0.06 pt from the quarter before.
Source: Board of Governors of the Federal Reserve System via FRED®. Quarterly data, seasonally adjusted. Latest observation Q2 2026; snapshot taken Oct 26, 2026, 6:40 PM EDT.
Latest (Q2 2026)
2.85%
Change from Q1 2026
-0.06 pt
A year earlier
3.04%
12-month change
-6.2%
2.85% Q2 2026 · Percent
Percent. Data from Q1 1991 to Q2 2026 (142 observations).
What it measures
This is the share of credit card balances at U.S. banks that are 30 days or more past due. Rising delinquencies can signal that households are under financial strain.
- Official title
- Delinquency Rate on Credit Card Loans, All Commercial Banks
- Units
- Percent
- Frequency and adjustment
- Quarterly, seasonally adjusted
- Original source
- Board of Governors of the Federal Reserve System
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| Date | Value | Change |
|---|---|---|
| Q2 2026 | 2.85% | -0.06 pt |
| Q1 2026 | 2.91% | -0.04 pt |
| Q4 2025 | 2.95% | -0.04 pt |
| Q3 2025 | 2.99% | -0.05 pt |
| Q2 2025 | 3.04% | -0.01 pt |
| Q1 2025 | 3.05% | -0.03 pt |
| Q4 2024 | 3.08% | -0.12 pt |
| Q3 2024 | 3.20% | -0.02 pt |
| Q2 2024 | 3.22% | +0.05 pt |
| Q1 2024 | 3.17% | +0.07 pt |
| Q4 2023 | 3.10% | +0.15 pt |
| Q3 2023 | 2.95% | +0.20 pt |
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This page shows public economic data for general information. It is not financial advice and does not predict future values.
Sources
- Board of Governors of the Federal Reserve System, Delinquency Rate on Credit Card Loans, All Commercial Banks [DRCCLACBS], retrieved from FRED, Federal Reserve Bank of St. Louis; https://fred.stlouisfed.org/series/DRCCLACBS, Oct 26, 2026.
- View DRCCLACBS on FRED® · Board of Governors of the Federal Reserve System
FRED® is a registered trademark of the Federal Reserve Bank of St. Louis. Neither the Federal Reserve Bank of St. Louis nor Board of Governors of the Federal Reserve System endorses OpenEcon.