Credit Card Delinquency and Charge-Offs
Credit-card stress shows up in two places: delinquency when payments slip, and charge-offs when the lender writes the balance off.
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
2026-08-07| Recently changed indicator | Source | Period | Snapshot change |
|---|---|---|---|
| Total Nonfarm Payrolls | U.S. Bureau of Labor Statistics via FRED | 2026-07 | -126K |
| CFPB Consumer Complaint Volume | Consumer Financial Protection Bureau | 2026-07 | +23054 |
| AI Job Posting Share (% of Total) | Indeed Hiring Lab AI Tracker (public CSV) | 2026-07 | +0.4 pp |
| The Tech Drought | Bureau of Labor Statistics, JOLTS | 2026-06 | +14K |
| The Tightening | Chicago Fed via FRED | 2026-07-31 | +0.003 |
Key Metrics
For researchers and journalists. All data sourced as noted.
| Metric | Value | Period | Source |
|---|---|---|---|
| All-bank credit card delinquency rate | 2.94% | Q4 2025 | FRED DRCCLACBS |
| Small-bank credit card delinquency rate | 6.60% | Q4 2025 | FRED DRCCLOBS |
| Credit card charge-off rate | 4.07% | Q4 2025 | FRED CORCCACBS |
| Total credit card balances | $1,277 billion | Q4 2025 | NY Fed Household Debt and Credit Report |
| Credit card APR (commercial bank) | 21.00% | Q1 2026 | FRED TERMCBCCALLNS |
Suggested Citations
"Delinquency belongs to the Delinquency domain. Charge-offs belong to Default & Legal. Each domain receives equal weight in the national composite." — American Default Research, April 2026.
"A delinquency rate, a charge-off rate, and a small-bank split are different claims and should stay on their own indicator surfaces." — American Default Research, April 2026.
Data Sources
Board of Governors via FRED
Delinquency Rate on Credit Card Loans
NY Fed Household Debt and Credit Report
Total Credit Card Balances
Federal Reserve via FRED
Commercial Bank Interest Rate on Credit Card Plans
American Distress Index
See methodology.
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