Charge-Off Rate on Credit Card Loans
Credit card debt written off as uncollectable
What is the current Charge-Off Rate on Credit Card Loans?
Charge-Off Rate on Credit Card Loans: 4.11% as of 2025-Q4, and improving. Source: Board of Governors via FRED.
Banks are writing off credit card debt at the fastest pace since 2011
Board of Governors data. At 4.1%, the charge-off rate has more than doubled from its 1.6% pandemic low. Charge-offs trail delinquencies — this is the bill coming due.
Explore Further
How has Charge-Off Rate on Credit Card Loans changed over time?
Most affected counties
Counties with the highest consumer credit distress scores in the County Distress Index.
Explore all 3,144 counties →| Period | Value | YoY Change |
|---|---|---|
| Q4 2025 | 4.11% | −0.5 pts |
| Q3 2025 | 4.18% | −0.5 pts |
| Q2 2025 | 4.18% | −0.4 pts |
| Q1 2025 | 4.43% | +0.0 pts |
| Q4 2024 | 4.58% | +0.4 pts |
| Q3 2024 | 4.69% | +0.9 pts |
| Q2 2024 | 4.56% | +1.3 pts |
| Q1 2024 | 4.4% | +1.5 pts |
| Q4 2023 | 4.19% | +1.7 pts |
| Q3 2023 | 3.76% | +1.7 pts |
| Q2 2023 | 3.23% | +1.4 pts |
| Q1 2023 | 2.86% | +1.1 pts |
Frequently Asked Questions
What is Charge-Off Rate on Credit Card Loans?
Credit card debt written off as uncollectable
Why does Charge-Off Rate on Credit Card Loans matter for financial distress?
Charge-Off Rate on Credit Card Loans is one of the indicators tracked by the American Distress Index (ADI), which measures five dimensions of U.S. household financial distress: Buffer Depletion, Debt Stress, Financial Conditions, Cost Pressure, and Labor Market disruption. Changes in this indicator contribute to the overall distress picture.
Where does the Charge-Off Rate on Credit Card Loans data come from?
This data comes from Board of Governors via FRED. More information: https://fred.stlouisfed.org/series/CORCCACBS. The American Distress Index updates this indicator quarterly.
Quick poll
Is this affecting you or your household?
Discussion
Get the numbers when they move.
New data drops, indicator updates, and ADI score changes — delivered when it matters. No spam.
or Create an Account for full access
Loading comments…