Credit Card Defaults After the Cutover
Credit-card stress remains a core measurement surface, but the family-v1 ADI separates delinquency and charge-offs under the family method.
The earlier credit-card essay mixed useful borrower-split evidence with retired ADI component language. The family method makes the separation clearer. Delinquency belongs to the Delinquency domain. Charge-offs belong to Default & Legal. Each domain receives equal weight in the national composite.
Credit-card stress remains important inside that measurement boundary. A delinquency rate, a charge-off rate, and a small-bank split are different claims and should stay on their own indicator surfaces.
The ADI reference page publishes the maintained national reading with its required band gloss. The score is a mean of input percentiles.
For source data, use credit card delinquency, credit card charge-offs, and small-bank card delinquency.
Refresh Trace
2026-06-12| Co-moving indicator | Source | Period | Delta |
|---|---|---|---|
| CFPB Consumer Complaint Volume | Consumer Financial Protection Bureau | 2026-05 | +33131 |
| Continued Unemployment Claims (SA) | DOL via FRED | 2026-05-30 | +18000 |
| Total Consumer Credit Outstanding | Federal Reserve via FRED | 2026-04 | +12549.92 |
| Total Revolving Credit Outstanding | Federal Reserve via FRED | 2026-04 | +11700.88 |
| Initial Unemployment Claims (SA) | DOL via FRED | 2026-06-06 | +4000 |
Ross Kilburn has spent over two decades working directly with financially distressed American households — from negotiating more than 1,000 short sales during the Great Recession to generating leads for a foreclosure defense law firm today. He is the author of The Complete Guide to Short Sales and the founder of American Default Research. Full bio →
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