Delinquency Rate on Credit Card Loans
Also tracked as The Late Fee
Credit card loan delinquency rate
In our research, changes in this measure have tended to show up in Charge-Off Rate on All Loans about 3 quarters later. How we tested this
What is the current Delinquency Rate on Credit Card Loans reading?
The credit card delinquency rate at U.S. commercial banks was 2.9% in Q2 2026, down from 3% a year earlier, according to the Board of Governors of the Federal Reserve System. It is the share of card balances on banks' books that are 30 or more days past due or in nonaccrual status. Source: Federal Reserve Board data retrieved via FRED (DRCCLACBS).
Measurement basis: 30+ days past due or in nonaccrual status, per the Federal Reserve Board Charge-Off and Delinquency Rates release
Credit card delinquency at commercial banks was 2.9% in Q2 2026, down from 3% a year earlier, the lowest since Q2 2023.
The Federal Reserve Board put the delinquency rate on credit card balances at commercial banks at 2.9% in Q2 2026, the same as in Q1 2026. That is lower than a year earlier, when it was 3%. It is the lowest rate since Q2 2023.
The Fed re-estimates past quarters at most releases, so the newest quarter can still be revised.
The rate counts card balances that are 30 or more days past due, which for a card means the minimum payment has been missed for two or more billing cycles, plus balances in nonaccrual status. It covers only consumer card loans on the books of insured U.S.-chartered commercial banks. It is a share of dollars, not of people or accounts, and balances a bank has charged off leave the count.
At the end of 2019, before the pandemic, the rate was 2.6%. Since 2010 the rate has included card loans that banks had securitized and kept off their books before then, so readings from 2010 on are not like-for-like with earlier ones. Comparisons on this page start in 2010.
Balances banks write off are tracked in Credit Card Charge-Offs, a separate measure. The 60-day card delinquency rate is a credit-report measure from Equifax with a 60-day threshold, so its level is not comparable with this rate.
Explore Further
Delinquency Rate on Credit Card Loans over time: what has changed?
Counties with the highest delinquency scores
These are delinquency scores from our County Distress Index, not county readings of Delinquency Rate on Credit Card Loans.
Explore all 3,144 counties →| Period | Value | YoY Change |
|---|---|---|
| Q2 2026 | 2.9% | -0.1 pp |
| Q1 2026 | 2.9% | -0.2 pp |
| Q4 2025 | 3% | -0.1 pp |
| Q3 2025 | 3% | -0.2 pp |
| Q2 2025 | 3% | -0.2 pp |
| Q1 2025 | 3.1% | -0.1 pp |
| Q4 2024 | 3.1% | 0 pp |
| Q3 2024 | 3.2% | +0.2 pp |
| Q2 2024 | 3.2% | +0.4 pp |
| Q1 2024 | 3.2% | +0.7 pp |
| Q4 2023 | 3.1% | +0.8 pp |
| Q3 2023 | 3% | +0.9 pp |
How to read this series
The source changed how it measures this in Q1 2001. Readings before the March 2001 Call Report are partly estimated by the Federal Reserve rather than reported in full detail. Smaller banks filed the FFIEC 033 and 034 forms and could report charged-off and delinquent loans under their own loan classifications instead of the regulatory ones, so the Federal Reserve adjusted and allocated those amounts to the published loan categories using estimated ratios that differed by loan category. The Board states that from the March 2001 Call Report the detail reported by all banks eliminated the need for those procedures. In February 2017 it updated the models used to estimate data not reported by small banks that filed the FFIEC 034 form and revised the pre-2001 rates for several series, so values on that side of the boundary have already moved once without any new bank report. Readings on either side are not directly comparable, so the year-over-year column stays blank where a comparison would cross that date. Source documentation.
The source changed how it measures this in Q1 2010. From the first quarter of 2010, credit card rates cover loans that banks had securitized and previously kept off their balance sheets. Accounting standards FAS 166 and 167 required banks to bring those loans back on, and the Board states the change is reflected in the 2010-Q1 Call Reports; one large credit card bank made the move in the fourth quarter of 2009. The Board's H.8 notes put the credit card and other revolving loans consolidated by domestically chartered commercial banks at about $335 billion as of March 31, 2010. Rates from 2010 on are measured over a different pool of loans than earlier readings. Readings on either side are not directly comparable, so the year-over-year column stays blank where a comparison would cross that date. Source documentation.
Frequently Asked Questions
What is the current credit card delinquency rate?
The credit card delinquency rate at U.S. commercial banks was 2.9% in Q2 2026, down from 3% a year earlier, according to the Federal Reserve Board. It is the share of card balances on banks' books that are 30 or more days past due or in nonaccrual status. Source: Federal Reserve Board data retrieved via FRED (DRCCLACBS).
What does credit card delinquency measure?
It is the share of credit card balances at insured U.S.-chartered commercial banks that are 30 or more days past due or in nonaccrual status. The Federal Reserve Board publishes it quarterly as the delinquency rate on credit card loans, all commercial banks (FRED series DRCCLACBS). It counts dollars of balances, not cardholders or accounts.
How does credit card delinquency connect to the American Distress Index?
Credit card delinquency is one of four inputs to the American Distress Index's Delinquency domain, alongside mortgage, consumer loan and auto loan delinquency. Each input is scored against its own quarterly history.
Where does credit card delinquency data come from?
The Federal Reserve Board compiles it from the Call Reports that commercial banks file and publishes it about two months after each quarter ends, in its Charge-Off and Delinquency Rates on Loans and Leases at Commercial Banks release. FRED republishes it as DRCCLACBS.
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