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U.S. Credit Card Delinquency and Default Indicators

Latest national credit-card data: Q2 2026

Page updated August 13, 2026Q2 data released August 11, 2026Source: Federal Reserve Bank of New York
Latest national credit-card data: Q2 2026Federal Reserve Bank of New York

U.S. Credit Card Balance

$1.263 trillion
2026 Q2Total outstanding U.S. credit-card balance.Up $21 billion from Q1 2026 and $54 billion from Q2 2025.Source: Federal Reserve Bank of New York

Credit Card Balances 90+ Days Delinquent

12.92%
2026 Q2Stock measure: percentage of credit-card balances 90 or more days delinquent.Down 0.20 percentage points from Q1 2026, but about 0.65 percentage points above Q2 2025.Source: Federal Reserve Bank of New York

Flow Into Serious Credit Card Delinquency

6.97%
2026 Q2Annualized flow into serious 90+ day credit-card delinquency, presented as a four-quarter moving sum.Down 0.13 percentage points from Q1 2026 and nearly unchanged from 6.93% in Q2 2025.Source: Federal Reserve Bank of New York

Aggregate Credit Card Limit

$5.559 trillion
2026 Q2Total aggregate credit limit reported on U.S. credit-card accounts in the New York Fed Consumer Credit Panel.Up $85 billion from Q1 2026 and $324 billion from Q2 2025.Source: Federal Reserve Bank of New York

Key Findings

  • Credit-card balances were $1.263 trillion, up $21 billion from Q1 and $54 billion from Q2 2025.
  • 12.92% of credit-card balances were 90+ days delinquent, down from 13.12% in Q1 but above approximately 12.27% one year earlier.
  • The 12.92% stock measure is below the highest observation within the available New York Fed series: 13.74% in 2010 Q2.
  • Flow into serious delinquency was 6.97%, down from 7.10% in Q1 and nearly unchanged from 6.93% one year earlier.
  • Flow into early 30+ delinquency was 8.69%, compared with 8.61% in Q1 and about 8.58% one year earlier.
  • Aggregate credit limits reached $5.559 trillion in 2026 Q2, the highest observation within the available New York Fed series.
  • Available credit reached $4.296 trillion in 2026 Q2, also the highest observation within the available New York Fed series.

Why Credit Card Delinquency Measures Can Tell Different Stories

The balance statistic for accounts 90 or more days delinquent is a stock measure: it measures balances that remain classified as seriously delinquent. New York Fed credit-bureau data can continue to include charged-off balances that remain reported on consumer credit files. The stock rate can therefore remain elevated even when current transitions into delinquency are not worsening at the same pace. That does not make the stock statistic wrong; it measures a different population.

The 30+ and serious 90+ flow measures track balances newly entering delinquency. They are annualized four-quarter moving sums, and the New York Fed identifies them as more informative about current repayment behavior.

Does 90+ Days Delinquent Mean a Credit Card Is in Default?

There is no single universal national contractual credit-card default rate in this New York Fed dataset. A balance 90 or more days past due is seriously delinquent and may indicate default-level financial distress. However, lender contractual definitions differ, and charged-off balances can remain in the credit-bureau stock measure. The 90+ measure therefore is not an exact national formal-default rate.

In precise terms, 12.92% of credit-card balances were 90 or more days delinquent, while flow into serious credit-card delinquency was 6.97%.


Portrait of Casey Yontz, attorney editor and founder of US Bankruptcy Help
Written by Casey Yontz, JD, Bankruptcy Attorney (18+ years bankruptcy experience in Arizona)
Legally reviewed by Benjamin Wright, Bankruptcy Attorney (18+ years experience)
Last reviewed on
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U.S. Credit Card Debt Over Time

Trillions of dollars, 2003 Q1–2026 Q2. This is the authoritative Page 3 balance series.

U.S. Credit Card Debt Over TimeQuarterly observations from 2003Q1 through 2026Q2. Exact values are available in the historical table.0.0T0.3T0.7T1.0T1.4T2003 Q12008 Q42014 Q32020 Q22026 Q22003Q1: Credit-card balance (trillions of dollars), 0.688T2003Q2: Credit-card balance (trillions of dollars), 0.693T2003Q3: Credit-card balance (trillions of dollars), 0.693T2003Q4: Credit-card balance (trillions of dollars), 0.698T2004Q1: Credit-card balance (trillions of dollars), 0.695T2004Q2: Credit-card balance (trillions of dollars), 0.697T2004Q3: Credit-card balance (trillions of dollars), 0.706T2004Q4: Credit-card balance (trillions of dollars), 0.717T2005Q1: Credit-card balance (trillions of dollars), 0.710T2005Q2: Credit-card balance (trillions of dollars), 0.717T2005Q3: Credit-card balance (trillions of dollars), 0.732T2005Q4: Credit-card balance (trillions of dollars), 0.736T2006Q1: Credit-card balance (trillions of dollars), 0.723T2006Q2: Credit-card balance (trillions of dollars), 0.739T2006Q3: Credit-card balance (trillions of dollars), 0.754T2006Q4: Credit-card balance (trillions of dollars), 0.767T2007Q1: Credit-card balance (trillions of dollars), 0.764T2007Q2: Credit-card balance (trillions of dollars), 0.796T2007Q3: Credit-card balance (trillions of dollars), 0.817T2007Q4: Credit-card balance (trillions of dollars), 0.839T2008Q1: Credit-card balance (trillions of dollars), 0.837T2008Q2: Credit-card balance (trillions of dollars), 0.850T2008Q3: Credit-card balance (trillions of dollars), 0.858T2008Q4: Credit-card balance (trillions of dollars), 0.866T2009Q1: Credit-card balance (trillions of dollars), 0.843T2009Q2: Credit-card balance (trillions of dollars), 0.824T2009Q3: Credit-card balance (trillions of dollars), 0.812T2009Q4: Credit-card balance (trillions of dollars), 0.795T2010Q1: Credit-card balance (trillions of dollars), 0.762T2010Q2: Credit-card balance (trillions of dollars), 0.744T2010Q3: Credit-card balance (trillions of dollars), 0.731T2010Q4: Credit-card balance (trillions of dollars), 0.730T2011Q1: Credit-card balance (trillions of dollars), 0.696T2011Q2: Credit-card balance (trillions of dollars), 0.694T2011Q3: Credit-card balance (trillions of dollars), 0.693T2011Q4: Credit-card balance (trillions of dollars), 0.704T2012Q1: Credit-card balance (trillions of dollars), 0.679T2012Q2: Credit-card balance (trillions of dollars), 0.672T2012Q3: Credit-card balance (trillions of dollars), 0.674T2012Q4: Credit-card balance (trillions of dollars), 0.679T2013Q1: Credit-card balance (trillions of dollars), 0.660T2013Q2: Credit-card balance (trillions of dollars), 0.668T2013Q3: Credit-card balance (trillions of dollars), 0.672T2013Q4: Credit-card balance (trillions of dollars), 0.683T2014Q1: Credit-card balance (trillions of dollars), 0.659T2014Q2: Credit-card balance (trillions of dollars), 0.669T2014Q3: Credit-card balance (trillions of dollars), 0.680T2014Q4: Credit-card balance (trillions of dollars), 0.700T2015Q1: Credit-card balance (trillions of dollars), 0.684T2015Q2: Credit-card balance (trillions of dollars), 0.703T2015Q3: Credit-card balance (trillions of dollars), 0.714T2015Q4: Credit-card balance (trillions of dollars), 0.733T2016Q1: Credit-card balance (trillions of dollars), 0.712T2016Q2: Credit-card balance (trillions of dollars), 0.729T2016Q3: Credit-card balance (trillions of dollars), 0.747T2016Q4: Credit-card balance (trillions of dollars), 0.779T2017Q1: Credit-card balance (trillions of dollars), 0.764T2017Q2: Credit-card balance (trillions of dollars), 0.784T2017Q3: Credit-card balance (trillions of dollars), 0.808T2017Q4: Credit-card balance (trillions of dollars), 0.834T2018Q1: Credit-card balance (trillions of dollars), 0.815T2018Q2: Credit-card balance (trillions of dollars), 0.829T2018Q3: Credit-card balance (trillions of dollars), 0.844T2018Q4: Credit-card balance (trillions of dollars), 0.870T2019Q1: Credit-card balance (trillions of dollars), 0.848T2019Q2: Credit-card balance (trillions of dollars), 0.868T2019Q3: Credit-card balance (trillions of dollars), 0.881T2019Q4: Credit-card balance (trillions of dollars), 0.927T2020Q1: Credit-card balance (trillions of dollars), 0.893T2020Q2: Credit-card balance (trillions of dollars), 0.817T2020Q3: Credit-card balance (trillions of dollars), 0.807T2020Q4: Credit-card balance (trillions of dollars), 0.819T2021Q1: Credit-card balance (trillions of dollars), 0.770T2021Q2: Credit-card balance (trillions of dollars), 0.787T2021Q3: Credit-card balance (trillions of dollars), 0.804T2021Q4: Credit-card balance (trillions of dollars), 0.856T2022Q1: Credit-card balance (trillions of dollars), 0.841T2022Q2: Credit-card balance (trillions of dollars), 0.887T2022Q3: Credit-card balance (trillions of dollars), 0.925T2022Q4: Credit-card balance (trillions of dollars), 0.986T2023Q1: Credit-card balance (trillions of dollars), 0.986T2023Q2: Credit-card balance (trillions of dollars), 1.031T2023Q3: Credit-card balance (trillions of dollars), 1.079T2023Q4: Credit-card balance (trillions of dollars), 1.129T2024Q1: Credit-card balance (trillions of dollars), 1.115T2024Q2: Credit-card balance (trillions of dollars), 1.142T2024Q3: Credit-card balance (trillions of dollars), 1.166T2024Q4: Credit-card balance (trillions of dollars), 1.211T2025Q1: Credit-card balance (trillions of dollars), 1.182T2025Q2: Credit-card balance (trillions of dollars), 1.209T2025Q3: Credit-card balance (trillions of dollars), 1.233T2025Q4: Credit-card balance (trillions of dollars), 1.277T2026Q1: Credit-card balance (trillions of dollars), 1.242T2026Q2: Credit-card balance (trillions of dollars), 1.263T
Source: Federal Reserve Bank of New York, Quarterly Report on Household Debt and Credit

Credit Card Balances 90+ Days Delinquent Over Time

Percent of credit-card balance, 2003 Q1–2026 Q2. This is the stock serious-delinquency measure; charged-off balances remaining on credit reports can affect it.

Credit Card Balances 90+ Days Delinquent Over TimeQuarterly observations from 2003Q1 through 2026Q2. Exact values are available in the historical table.0%4%7%11%15%2003 Q12008 Q42014 Q32020 Q22026 Q22003Q1: Balance 90+ days delinquent (stock), 8.84%2003Q2: Balance 90+ days delinquent (stock), 8.90%2003Q3: Balance 90+ days delinquent (stock), 8.67%2003Q4: Balance 90+ days delinquent (stock), 9.24%2004Q1: Balance 90+ days delinquent (stock), 9.27%2004Q2: Balance 90+ days delinquent (stock), 8.85%2004Q3: Balance 90+ days delinquent (stock), 8.65%2004Q4: Balance 90+ days delinquent (stock), 9.18%2005Q1: Balance 90+ days delinquent (stock), 9.59%2005Q2: Balance 90+ days delinquent (stock), 9.23%2005Q3: Balance 90+ days delinquent (stock), 9.07%2005Q4: Balance 90+ days delinquent (stock), 8.53%2006Q1: Balance 90+ days delinquent (stock), 8.82%2006Q2: Balance 90+ days delinquent (stock), 8.96%2006Q3: Balance 90+ days delinquent (stock), 9.19%2006Q4: Balance 90+ days delinquent (stock), 9.66%2007Q1: Balance 90+ days delinquent (stock), 9.74%2007Q2: Balance 90+ days delinquent (stock), 9.38%2007Q3: Balance 90+ days delinquent (stock), 9.34%2007Q4: Balance 90+ days delinquent (stock), 9.48%2008Q1: Balance 90+ days delinquent (stock), 9.49%2008Q2: Balance 90+ days delinquent (stock), 10.15%2008Q3: Balance 90+ days delinquent (stock), 9.48%2008Q4: Balance 90+ days delinquent (stock), 10.18%2009Q1: Balance 90+ days delinquent (stock), 11.44%2009Q2: Balance 90+ days delinquent (stock), 11.74%2009Q3: Balance 90+ days delinquent (stock), 11.90%2009Q4: Balance 90+ days delinquent (stock), 12.70%2010Q1: Balance 90+ days delinquent (stock), 13.73%2010Q2: Balance 90+ days delinquent (stock), 13.74%2010Q3: Balance 90+ days delinquent (stock), 13.16%2010Q4: Balance 90+ days delinquent (stock), 13.27%2011Q1: Balance 90+ days delinquent (stock), 13.12%2011Q2: Balance 90+ days delinquent (stock), 12.16%2011Q3: Balance 90+ days delinquent (stock), 11.50%2011Q4: Balance 90+ days delinquent (stock), 11.48%2012Q1: Balance 90+ days delinquent (stock), 11.27%2012Q2: Balance 90+ days delinquent (stock), 10.90%2012Q3: Balance 90+ days delinquent (stock), 10.45%2012Q4: Balance 90+ days delinquent (stock), 10.57%2013Q1: Balance 90+ days delinquent (stock), 10.21%2013Q2: Balance 90+ days delinquent (stock), 9.99%2013Q3: Balance 90+ days delinquent (stock), 9.36%2013Q4: Balance 90+ days delinquent (stock), 9.45%2014Q1: Balance 90+ days delinquent (stock), 8.51%2014Q2: Balance 90+ days delinquent (stock), 7.83%2014Q3: Balance 90+ days delinquent (stock), 7.46%2014Q4: Balance 90+ days delinquent (stock), 7.31%2015Q1: Balance 90+ days delinquent (stock), 8.38%2015Q2: Balance 90+ days delinquent (stock), 8.39%2015Q3: Balance 90+ days delinquent (stock), 8.21%2015Q4: Balance 90+ days delinquent (stock), 7.65%2016Q1: Balance 90+ days delinquent (stock), 7.60%2016Q2: Balance 90+ days delinquent (stock), 7.17%2016Q3: Balance 90+ days delinquent (stock), 7.08%2016Q4: Balance 90+ days delinquent (stock), 7.14%2017Q1: Balance 90+ days delinquent (stock), 7.45%2017Q2: Balance 90+ days delinquent (stock), 7.38%2017Q3: Balance 90+ days delinquent (stock), 7.47%2017Q4: Balance 90+ days delinquent (stock), 7.55%2018Q1: Balance 90+ days delinquent (stock), 8.01%2018Q2: Balance 90+ days delinquent (stock), 7.88%2018Q3: Balance 90+ days delinquent (stock), 7.94%2018Q4: Balance 90+ days delinquent (stock), 7.77%2019Q1: Balance 90+ days delinquent (stock), 8.32%2019Q2: Balance 90+ days delinquent (stock), 8.32%2019Q3: Balance 90+ days delinquent (stock), 8.27%2019Q4: Balance 90+ days delinquent (stock), 8.36%2020Q1: Balance 90+ days delinquent (stock), 9.09%2020Q2: Balance 90+ days delinquent (stock), 9.75%2020Q3: Balance 90+ days delinquent (stock), 9.74%2020Q4: Balance 90+ days delinquent (stock), 9.36%2021Q1: Balance 90+ days delinquent (stock), 9.98%2021Q2: Balance 90+ days delinquent (stock), 9.28%2021Q3: Balance 90+ days delinquent (stock), 8.77%2021Q4: Balance 90+ days delinquent (stock), 8.32%2022Q1: Balance 90+ days delinquent (stock), 8.42%2022Q2: Balance 90+ days delinquent (stock), 7.98%2022Q3: Balance 90+ days delinquent (stock), 7.59%2022Q4: Balance 90+ days delinquent (stock), 7.67%2023Q1: Balance 90+ days delinquent (stock), 8.24%2023Q2: Balance 90+ days delinquent (stock), 8.00%2023Q3: Balance 90+ days delinquent (stock), 9.43%2023Q4: Balance 90+ days delinquent (stock), 9.74%2024Q1: Balance 90+ days delinquent (stock), 10.69%2024Q2: Balance 90+ days delinquent (stock), 10.93%2024Q3: Balance 90+ days delinquent (stock), 11.13%2024Q4: Balance 90+ days delinquent (stock), 11.35%2025Q1: Balance 90+ days delinquent (stock), 12.31%2025Q2: Balance 90+ days delinquent (stock), 12.27%2025Q3: Balance 90+ days delinquent (stock), 12.41%2025Q4: Balance 90+ days delinquent (stock), 12.70%2026Q1: Balance 90+ days delinquent (stock), 13.12%2026Q2: Balance 90+ days delinquent (stock), 12.92%
Source: Federal Reserve Bank of New York, Quarterly Report on Household Debt and Credit

Flow Into Credit Card Delinquency Over Time

These annualized delinquency-flow measures are presented as four-quarter moving sums. They measure balances newly entering delinquency and are distinct from the stock 90+ measure.

Flow Into Credit Card Delinquency Over TimeQuarterly observations from 2003Q1 through 2026Q2. Exact values are available in the historical table.0%4%7%11%15%2003 Q12008 Q42014 Q32020 Q22026 Q22003Q1: Flow into 30+ day delinquency, 12.32%2003Q1: Flow into serious 90+ day delinquency, 8.27%2003Q2: Flow into 30+ day delinquency, 12.27%2003Q2: Flow into serious 90+ day delinquency, 8.41%2003Q3: Flow into 30+ day delinquency, 11.74%2003Q3: Flow into serious 90+ day delinquency, 8.17%2003Q4: Flow into 30+ day delinquency, 11.56%2003Q4: Flow into serious 90+ day delinquency, 8.06%2004Q1: Flow into 30+ day delinquency, 10.89%2004Q1: Flow into serious 90+ day delinquency, 7.77%2004Q2: Flow into 30+ day delinquency, 10.48%2004Q2: Flow into serious 90+ day delinquency, 7.34%2004Q3: Flow into 30+ day delinquency, 10.20%2004Q3: Flow into serious 90+ day delinquency, 7.14%2004Q4: Flow into 30+ day delinquency, 9.85%2004Q4: Flow into serious 90+ day delinquency, 7.00%2005Q1: Flow into 30+ day delinquency, 9.35%2005Q1: Flow into serious 90+ day delinquency, 6.64%2005Q2: Flow into 30+ day delinquency, 9.10%2005Q2: Flow into serious 90+ day delinquency, 6.36%2005Q3: Flow into 30+ day delinquency, 9.25%2005Q3: Flow into serious 90+ day delinquency, 6.27%2005Q4: Flow into 30+ day delinquency, 8.63%2005Q4: Flow into serious 90+ day delinquency, 5.79%2006Q1: Flow into 30+ day delinquency, 8.58%2006Q1: Flow into serious 90+ day delinquency, 5.51%2006Q2: Flow into 30+ day delinquency, 8.45%2006Q2: Flow into serious 90+ day delinquency, 5.61%2006Q3: Flow into 30+ day delinquency, 8.38%2006Q3: Flow into serious 90+ day delinquency, 5.59%2006Q4: Flow into 30+ day delinquency, 8.76%2006Q4: Flow into serious 90+ day delinquency, 5.83%2007Q1: Flow into 30+ day delinquency, 9.05%2007Q1: Flow into serious 90+ day delinquency, 6.18%2007Q2: Flow into 30+ day delinquency, 9.32%2007Q2: Flow into serious 90+ day delinquency, 6.36%2007Q3: Flow into 30+ day delinquency, 9.29%2007Q3: Flow into serious 90+ day delinquency, 6.52%2007Q4: Flow into 30+ day delinquency, 9.70%2007Q4: Flow into serious 90+ day delinquency, 6.75%2008Q1: Flow into 30+ day delinquency, 10.13%2008Q1: Flow into serious 90+ day delinquency, 7.27%2008Q2: Flow into 30+ day delinquency, 10.43%2008Q2: Flow into serious 90+ day delinquency, 7.66%2008Q3: Flow into 30+ day delinquency, 10.95%2008Q3: Flow into serious 90+ day delinquency, 8.13%2008Q4: Flow into 30+ day delinquency, 11.84%2008Q4: Flow into serious 90+ day delinquency, 8.70%2009Q1: Flow into 30+ day delinquency, 12.65%2009Q1: Flow into serious 90+ day delinquency, 9.56%2009Q2: Flow into 30+ day delinquency, 13.36%2009Q2: Flow into serious 90+ day delinquency, 10.20%2009Q3: Flow into 30+ day delinquency, 13.77%2009Q3: Flow into serious 90+ day delinquency, 10.51%2009Q4: Flow into 30+ day delinquency, 13.78%2009Q4: Flow into serious 90+ day delinquency, 10.96%2010Q1: Flow into 30+ day delinquency, 13.26%2010Q1: Flow into serious 90+ day delinquency, 10.80%2010Q2: Flow into 30+ day delinquency, 12.93%2010Q2: Flow into serious 90+ day delinquency, 10.63%2010Q3: Flow into 30+ day delinquency, 12.11%2010Q3: Flow into serious 90+ day delinquency, 10.23%2010Q4: Flow into 30+ day delinquency, 10.74%2010Q4: Flow into serious 90+ day delinquency, 9.21%2011Q1: Flow into 30+ day delinquency, 9.71%2011Q1: Flow into serious 90+ day delinquency, 7.99%2011Q2: Flow into 30+ day delinquency, 8.58%2011Q2: Flow into serious 90+ day delinquency, 6.90%2011Q3: Flow into 30+ day delinquency, 8.08%2011Q3: Flow into serious 90+ day delinquency, 6.26%2011Q4: Flow into 30+ day delinquency, 7.64%2011Q4: Flow into serious 90+ day delinquency, 5.87%2012Q1: Flow into 30+ day delinquency, 7.24%2012Q1: Flow into serious 90+ day delinquency, 5.41%2012Q2: Flow into 30+ day delinquency, 6.95%2012Q2: Flow into serious 90+ day delinquency, 5.19%2012Q3: Flow into 30+ day delinquency, 6.58%2012Q3: Flow into serious 90+ day delinquency, 4.85%2012Q4: Flow into 30+ day delinquency, 6.36%2012Q4: Flow into serious 90+ day delinquency, 4.51%2013Q1: Flow into 30+ day delinquency, 6.22%2013Q1: Flow into serious 90+ day delinquency, 4.41%2013Q2: Flow into 30+ day delinquency, 6.09%2013Q2: Flow into serious 90+ day delinquency, 4.28%2013Q3: Flow into 30+ day delinquency, 5.82%2013Q3: Flow into serious 90+ day delinquency, 4.03%2013Q4: Flow into 30+ day delinquency, 5.63%2013Q4: Flow into serious 90+ day delinquency, 3.91%2014Q1: Flow into 30+ day delinquency, 5.52%2014Q1: Flow into serious 90+ day delinquency, 3.87%2014Q2: Flow into 30+ day delinquency, 5.47%2014Q2: Flow into serious 90+ day delinquency, 3.74%2014Q3: Flow into 30+ day delinquency, 5.42%2014Q3: Flow into serious 90+ day delinquency, 3.85%2014Q4: Flow into 30+ day delinquency, 5.35%2014Q4: Flow into serious 90+ day delinquency, 3.92%2015Q1: Flow into 30+ day delinquency, 5.30%2015Q1: Flow into serious 90+ day delinquency, 3.76%2015Q2: Flow into 30+ day delinquency, 5.32%2015Q2: Flow into serious 90+ day delinquency, 3.80%2015Q3: Flow into 30+ day delinquency, 5.45%2015Q3: Flow into serious 90+ day delinquency, 3.85%2015Q4: Flow into 30+ day delinquency, 5.27%2015Q4: Flow into serious 90+ day delinquency, 3.72%2016Q1: Flow into 30+ day delinquency, 5.15%2016Q1: Flow into serious 90+ day delinquency, 3.69%2016Q2: Flow into 30+ day delinquency, 5.07%2016Q2: Flow into serious 90+ day delinquency, 3.51%2016Q3: Flow into 30+ day delinquency, 5.15%2016Q3: Flow into serious 90+ day delinquency, 3.51%2016Q4: Flow into 30+ day delinquency, 5.52%2016Q4: Flow into serious 90+ day delinquency, 3.71%2017Q1: Flow into 30+ day delinquency, 5.90%2017Q1: Flow into serious 90+ day delinquency, 4.08%2017Q2: Flow into 30+ day delinquency, 6.19%2017Q2: Flow into serious 90+ day delinquency, 4.42%2017Q3: Flow into 30+ day delinquency, 6.33%2017Q3: Flow into serious 90+ day delinquency, 4.60%2017Q4: Flow into 30+ day delinquency, 6.33%2017Q4: Flow into serious 90+ day delinquency, 4.64%2018Q1: Flow into 30+ day delinquency, 6.42%2018Q1: Flow into serious 90+ day delinquency, 4.72%2018Q2: Flow into 30+ day delinquency, 6.40%2018Q2: Flow into serious 90+ day delinquency, 4.76%2018Q3: Flow into 30+ day delinquency, 6.50%2018Q3: Flow into serious 90+ day delinquency, 4.80%2018Q4: Flow into 30+ day delinquency, 6.65%2018Q4: Flow into serious 90+ day delinquency, 4.99%2019Q1: Flow into 30+ day delinquency, 6.71%2019Q1: Flow into serious 90+ day delinquency, 5.04%2019Q2: Flow into 30+ day delinquency, 6.86%2019Q2: Flow into serious 90+ day delinquency, 5.17%2019Q3: Flow into 30+ day delinquency, 6.74%2019Q3: Flow into serious 90+ day delinquency, 5.16%2019Q4: Flow into 30+ day delinquency, 6.95%2019Q4: Flow into serious 90+ day delinquency, 5.32%2020Q1: Flow into 30+ day delinquency, 6.84%2020Q1: Flow into serious 90+ day delinquency, 5.31%2020Q2: Flow into 30+ day delinquency, 6.20%2020Q2: Flow into serious 90+ day delinquency, 5.05%2020Q3: Flow into 30+ day delinquency, 5.70%2020Q3: Flow into serious 90+ day delinquency, 4.73%2020Q4: Flow into 30+ day delinquency, 5.12%2020Q4: Flow into serious 90+ day delinquency, 4.12%2021Q1: Flow into 30+ day delinquency, 4.55%2021Q1: Flow into serious 90+ day delinquency, 3.78%2021Q2: Flow into 30+ day delinquency, 4.36%2021Q2: Flow into serious 90+ day delinquency, 3.39%2021Q3: Flow into 30+ day delinquency, 4.31%2021Q3: Flow into serious 90+ day delinquency, 3.24%2021Q4: Flow into 30+ day delinquency, 4.10%2021Q4: Flow into serious 90+ day delinquency, 3.22%2022Q1: Flow into 30+ day delinquency, 4.27%2022Q1: Flow into serious 90+ day delinquency, 3.04%2022Q2: Flow into 30+ day delinquency, 4.76%2022Q2: Flow into serious 90+ day delinquency, 3.35%2022Q3: Flow into 30+ day delinquency, 5.24%2022Q3: Flow into serious 90+ day delinquency, 3.69%2022Q4: Flow into 30+ day delinquency, 5.87%2022Q4: Flow into serious 90+ day delinquency, 4.01%2023Q1: Flow into 30+ day delinquency, 6.51%2023Q1: Flow into serious 90+ day delinquency, 4.57%2023Q2: Flow into 30+ day delinquency, 7.20%2023Q2: Flow into serious 90+ day delinquency, 5.08%2023Q3: Flow into 30+ day delinquency, 8.01%2023Q3: Flow into serious 90+ day delinquency, 5.78%2023Q4: Flow into 30+ day delinquency, 8.52%2023Q4: Flow into serious 90+ day delinquency, 6.36%2024Q1: Flow into 30+ day delinquency, 8.93%2024Q1: Flow into serious 90+ day delinquency, 6.86%2024Q2: Flow into 30+ day delinquency, 9.05%2024Q2: Flow into serious 90+ day delinquency, 7.18%2024Q3: Flow into 30+ day delinquency, 8.79%2024Q3: Flow into serious 90+ day delinquency, 7.10%2024Q4: Flow into 30+ day delinquency, 8.96%2024Q4: Flow into serious 90+ day delinquency, 7.18%2025Q1: Flow into 30+ day delinquency, 8.75%2025Q1: Flow into serious 90+ day delinquency, 7.04%2025Q2: Flow into 30+ day delinquency, 8.58%2025Q2: Flow into serious 90+ day delinquency, 6.93%2025Q3: Flow into 30+ day delinquency, 8.88%2025Q3: Flow into serious 90+ day delinquency, 7.05%2025Q4: Flow into 30+ day delinquency, 8.69%2025Q4: Flow into serious 90+ day delinquency, 7.13%2026Q1: Flow into 30+ day delinquency, 8.61%2026Q1: Flow into serious 90+ day delinquency, 7.10%2026Q2: Flow into 30+ day delinquency, 8.69%2026Q2: Flow into serious 90+ day delinquency, 6.97%
Source: Federal Reserve Bank of New York, Quarterly Report on Household Debt and Credit

Recent U.S. Credit Card Delinquency Trends

Stock serious-delinquency share from 2019 Q1 through 2026 Q2.

Recent U.S. Credit Card Delinquency TrendsQuarterly observations from 2019Q1 through 2026Q2. Exact values are available in the historical table.0%4%7%11%14%2019 Q12020 Q42022 Q32024 Q22026 Q22019Q1: Balance 90+ days delinquent (stock), 8.32%2019Q2: Balance 90+ days delinquent (stock), 8.32%2019Q3: Balance 90+ days delinquent (stock), 8.27%2019Q4: Balance 90+ days delinquent (stock), 8.36%2020Q1: Balance 90+ days delinquent (stock), 9.09%2020Q2: Balance 90+ days delinquent (stock), 9.75%2020Q3: Balance 90+ days delinquent (stock), 9.74%2020Q4: Balance 90+ days delinquent (stock), 9.36%2021Q1: Balance 90+ days delinquent (stock), 9.98%2021Q2: Balance 90+ days delinquent (stock), 9.28%2021Q3: Balance 90+ days delinquent (stock), 8.77%2021Q4: Balance 90+ days delinquent (stock), 8.32%2022Q1: Balance 90+ days delinquent (stock), 8.42%2022Q2: Balance 90+ days delinquent (stock), 7.98%2022Q3: Balance 90+ days delinquent (stock), 7.59%2022Q4: Balance 90+ days delinquent (stock), 7.67%2023Q1: Balance 90+ days delinquent (stock), 8.24%2023Q2: Balance 90+ days delinquent (stock), 8.00%2023Q3: Balance 90+ days delinquent (stock), 9.43%2023Q4: Balance 90+ days delinquent (stock), 9.74%2024Q1: Balance 90+ days delinquent (stock), 10.69%2024Q2: Balance 90+ days delinquent (stock), 10.93%2024Q3: Balance 90+ days delinquent (stock), 11.13%2024Q4: Balance 90+ days delinquent (stock), 11.35%2025Q1: Balance 90+ days delinquent (stock), 12.31%2025Q2: Balance 90+ days delinquent (stock), 12.27%2025Q3: Balance 90+ days delinquent (stock), 12.41%2025Q4: Balance 90+ days delinquent (stock), 12.70%2026Q1: Balance 90+ days delinquent (stock), 13.12%2026Q2: Balance 90+ days delinquent (stock), 12.92%
Source: Federal Reserve Bank of New York, Quarterly Report on Household Debt and Credit

U.S. Credit Card Limits and Available Credit Over Time

Trillions of dollars, 2003 Q1–2026 Q2. Limit is aggregate reported borrowing capacity; available credit is aggregate unused credit capacity represented in the source data.

U.S. Credit Card Limits and Available Credit Over TimeQuarterly observations from 2003Q1 through 2026Q2. Exact values are available in the historical table.0T2T3T5T6T2003 Q12008 Q42014 Q32020 Q22026 Q22003Q1: Aggregate credit-card limit, 2.550T2003Q1: Available credit, 1.862T2003Q2: Aggregate credit-card limit, 2.560T2003Q2: Available credit, 1.867T2003Q3: Aggregate credit-card limit, 2.550T2003Q3: Available credit, 1.857T2003Q4: Aggregate credit-card limit, 2.570T2003Q4: Available credit, 1.872T2004Q1: Aggregate credit-card limit, 2.570T2004Q1: Available credit, 1.875T2004Q2: Aggregate credit-card limit, 2.600T2004Q2: Available credit, 1.903T2004Q3: Aggregate credit-card limit, 2.600T2004Q3: Available credit, 1.894T2004Q4: Aggregate credit-card limit, 2.860T2004Q4: Available credit, 2.143T2005Q1: Aggregate credit-card limit, 2.890T2005Q1: Available credit, 2.180T2005Q2: Aggregate credit-card limit, 2.970T2005Q2: Available credit, 2.253T2005Q3: Aggregate credit-card limit, 3.060T2005Q3: Available credit, 2.328T2005Q4: Aggregate credit-card limit, 3.090T2005Q4: Available credit, 2.354T2006Q1: Aggregate credit-card limit, 3.120T2006Q1: Available credit, 2.397T2006Q2: Aggregate credit-card limit, 3.150T2006Q2: Available credit, 2.411T2006Q3: Aggregate credit-card limit, 3.130T2006Q3: Available credit, 2.376T2006Q4: Aggregate credit-card limit, 3.060T2006Q4: Available credit, 2.293T2007Q1: Aggregate credit-card limit, 3.050T2007Q1: Available credit, 2.286T2007Q2: Aggregate credit-card limit, 3.320T2007Q2: Available credit, 2.524T2007Q3: Aggregate credit-card limit, 3.390T2007Q3: Available credit, 2.573T2007Q4: Aggregate credit-card limit, 3.460T2007Q4: Available credit, 2.621T2008Q1: Aggregate credit-card limit, 3.420T2008Q1: Available credit, 2.583T2008Q2: Aggregate credit-card limit, 3.670T2008Q2: Available credit, 2.820T2008Q3: Aggregate credit-card limit, 3.700T2008Q3: Available credit, 2.842T2008Q4: Aggregate credit-card limit, 3.530T2008Q4: Available credit, 2.664T2009Q1: Aggregate credit-card limit, 3.270T2009Q1: Available credit, 2.427T2009Q2: Aggregate credit-card limit, 3.040T2009Q2: Available credit, 2.216T2009Q3: Aggregate credit-card limit, 2.930T2009Q3: Available credit, 2.118T2009Q4: Aggregate credit-card limit, 2.870T2009Q4: Available credit, 2.070T2010Q1: Aggregate credit-card limit, 2.760T2010Q1: Available credit, 1.998T2010Q2: Aggregate credit-card limit, 2.698T2010Q2: Available credit, 1.954T2010Q3: Aggregate credit-card limit, 2.680T2010Q3: Available credit, 1.949T2010Q4: Aggregate credit-card limit, 2.660T2010Q4: Available credit, 1.930T2011Q1: Aggregate credit-card limit, 2.694T2011Q1: Available credit, 1.998T2011Q2: Aggregate credit-card limit, 2.747T2011Q2: Available credit, 2.053T2011Q3: Aggregate credit-card limit, 2.722T2011Q3: Available credit, 2.029T2011Q4: Aggregate credit-card limit, 2.820T2011Q4: Available credit, 2.116T2012Q1: Aggregate credit-card limit, 2.810T2012Q1: Available credit, 2.131T2012Q2: Aggregate credit-card limit, 2.791T2012Q2: Available credit, 2.119T2012Q3: Aggregate credit-card limit, 2.782T2012Q3: Available credit, 2.108T2012Q4: Aggregate credit-card limit, 2.773T2012Q4: Available credit, 2.094T2013Q1: Aggregate credit-card limit, 2.774T2013Q1: Available credit, 2.114T2013Q2: Aggregate credit-card limit, 2.801T2013Q2: Available credit, 2.133T2013Q3: Aggregate credit-card limit, 2.835T2013Q3: Available credit, 2.163T2013Q4: Aggregate credit-card limit, 2.905T2013Q4: Available credit, 2.222T2014Q1: Aggregate credit-card limit, 2.913T2014Q1: Available credit, 2.254T2014Q2: Aggregate credit-card limit, 2.941T2014Q2: Available credit, 2.272T2014Q3: Aggregate credit-card limit, 2.966T2014Q3: Available credit, 2.286T2014Q4: Aggregate credit-card limit, 2.987T2014Q4: Available credit, 2.287T2015Q1: Aggregate credit-card limit, 3.015T2015Q1: Available credit, 2.331T2015Q2: Aggregate credit-card limit, 3.063T2015Q2: Available credit, 2.360T2015Q3: Aggregate credit-card limit, 3.106T2015Q3: Available credit, 2.392T2015Q4: Aggregate credit-card limit, 3.126T2015Q4: Available credit, 2.393T2016Q1: Aggregate credit-card limit, 3.194T2016Q1: Available credit, 2.482T2016Q2: Aggregate credit-card limit, 3.219T2016Q2: Available credit, 2.490T2016Q3: Aggregate credit-card limit, 3.270T2016Q3: Available credit, 2.523T2016Q4: Aggregate credit-card limit, 3.346T2016Q4: Available credit, 2.567T2017Q1: Aggregate credit-card limit, 3.382T2017Q1: Available credit, 2.618T2017Q2: Aggregate credit-card limit, 3.435T2017Q2: Available credit, 2.651T2017Q3: Aggregate credit-card limit, 3.488T2017Q3: Available credit, 2.680T2017Q4: Aggregate credit-card limit, 3.523T2017Q4: Available credit, 2.689T2018Q1: Aggregate credit-card limit, 3.536T2018Q1: Available credit, 2.721T2018Q2: Aggregate credit-card limit, 3.584T2018Q2: Available credit, 2.755T2018Q3: Aggregate credit-card limit, 3.630T2018Q3: Available credit, 2.786T2018Q4: Aggregate credit-card limit, 3.686T2018Q4: Available credit, 2.816T2019Q1: Aggregate credit-card limit, 3.733T2019Q1: Available credit, 2.885T2019Q2: Aggregate credit-card limit, 3.774T2019Q2: Available credit, 2.906T2019Q3: Aggregate credit-card limit, 3.801T2019Q3: Available credit, 2.920T2019Q4: Aggregate credit-card limit, 3.897T2019Q4: Available credit, 2.970T2020Q1: Aggregate credit-card limit, 3.931T2020Q1: Available credit, 3.038T2020Q2: Aggregate credit-card limit, 3.878T2020Q2: Available credit, 3.061T2020Q3: Aggregate credit-card limit, 3.847T2020Q3: Available credit, 3.040T2020Q4: Aggregate credit-card limit, 3.837T2020Q4: Available credit, 3.018T2021Q1: Aggregate credit-card limit, 3.837T2021Q1: Available credit, 3.067T2021Q2: Aggregate credit-card limit, 3.873T2021Q2: Available credit, 3.086T2021Q3: Aggregate credit-card limit, 3.961T2021Q3: Available credit, 3.157T2021Q4: Aggregate credit-card limit, 4.057T2021Q4: Available credit, 3.201T2022Q1: Aggregate credit-card limit, 4.121T2022Q1: Available credit, 3.280T2022Q2: Aggregate credit-card limit, 4.221T2022Q2: Available credit, 3.334T2022Q3: Aggregate credit-card limit, 4.303T2022Q3: Available credit, 3.378T2022Q4: Aggregate credit-card limit, 4.391T2022Q4: Available credit, 3.405T2023Q1: Aggregate credit-card limit, 4.510T2023Q1: Available credit, 3.524T2023Q2: Aggregate credit-card limit, 4.600T2023Q2: Available credit, 3.569T2023Q3: Aggregate credit-card limit, 4.713T2023Q3: Available credit, 3.634T2023Q4: Aggregate credit-card limit, 4.787T2023Q4: Available credit, 3.658T2024Q1: Aggregate credit-card limit, 4.850T2024Q1: Available credit, 3.735T2024Q2: Aggregate credit-card limit, 4.919T2024Q2: Available credit, 3.777T2024Q3: Aggregate credit-card limit, 4.982T2024Q3: Available credit, 3.816T2024Q4: Aggregate credit-card limit, 5.080T2024Q4: Available credit, 3.869T2025Q1: Aggregate credit-card limit, 5.157T2025Q1: Available credit, 3.975T2025Q2: Aggregate credit-card limit, 5.235T2025Q2: Available credit, 4.026T2025Q3: Aggregate credit-card limit, 5.329T2025Q3: Available credit, 4.096T2025Q4: Aggregate credit-card limit, 5.414T2025Q4: Available credit, 4.147T2026Q1: Aggregate credit-card limit, 5.474T2026Q1: Available credit, 4.232T2026Q2: Aggregate credit-card limit, 5.559T2026Q2: Available credit, 4.296T
Source: Federal Reserve Bank of New York, Quarterly Report on Household Debt and Credit

Quarterly Historical Data

All 94 source observations are shown newest first. Values retain sensible source precision.

QuarterCredit-card balance (T)Aggregate limit (T)Available credit (T)Balance 90+ delinquentFlow into 30+Flow into serious 90+
2026 Q2$1.263$5.559$4.29612.92%8.69%6.97%
2026 Q1$1.242$5.474$4.23213.12%8.61%7.1%
2025 Q4$1.277$5.414$4.14712.701644479248%8.685816356761%7.129305548602%
2025 Q3$1.233$5.329$4.09612.41%8.88%7.05%
2025 Q2$1.209$5.235$4.02612.266335814723%8.5817774181%6.93%
2025 Q1$1.182$5.157$3.97512.309644670051%8.75%7.04%
2024 Q4$1.211$5.08$3.86911.35%8.96%7.18%
2024 Q3$1.166$4.982$3.81611.132075471698%8.79%7.099340584776%
2024 Q2$1.142$4.919$3.77710.93%9.05%7.18%
2024 Q1$1.115$4.85$3.73510.69%8.93%6.86%
2023 Q4$1.129$4.787$3.6589.74%8.52%6.36%
2023 Q3$1.079$4.713$3.6349.43%8.01%5.78%
2023 Q2$1.031$4.6$3.5698%7.2%5.08%
2023 Q1$0.986$4.51$3.5248.24%6.51%4.57%
2022 Q4$0.986$4.391$3.4057.67%5.87%4.01%
2022 Q3$0.925$4.303$3.3787.59%5.24%3.69%
2022 Q2$0.887$4.221$3.3347.98%4.76%3.35%
2022 Q1$0.841$4.121$3.288.42%4.27%3.04%
2021 Q4$0.856$4.057$3.2018.32%4.1%3.22%
2021 Q3$0.804$3.961$3.1578.77%4.31%3.24%
2021 Q2$0.787$3.873$3.0869.28%4.36%3.39%
2021 Q1$0.77$3.837$3.0679.98%4.55%3.78%
2020 Q4$0.819$3.837$3.0189.36%5.12%4.12%
2020 Q3$0.807$3.847$3.049.74%5.7%4.73%
2020 Q2$0.817$3.878$3.0619.75%6.2%5.05%
2020 Q1$0.893$3.931$3.0389.09%6.84%5.31%
2019 Q4$0.927$3.897$2.978.36%6.95%5.32%
2019 Q3$0.881$3.801$2.928.27%6.74%5.16%
2019 Q2$0.868$3.774$2.9068.32%6.86%5.17%
2019 Q1$0.848$3.733$2.8858.32%6.71%5.04%
2018 Q4$0.87$3.686$2.8167.77%6.65%4.99%
2018 Q3$0.844$3.63$2.7867.94%6.5%4.8%
2018 Q2$0.829$3.584$2.7557.88%6.4%4.76%
2018 Q1$0.815$3.536$2.7218.01%6.42%4.72%
2017 Q4$0.834$3.523$2.6897.55%6.33%4.64%
2017 Q3$0.808$3.488$2.687.47%6.33%4.6%
2017 Q2$0.784$3.435$2.6517.38%6.19%4.42%
2017 Q1$0.764$3.382$2.6187.45%5.9%4.076588316681%
2016 Q4$0.779$3.346$2.5677.14%5.52%3.707913499811%
2016 Q3$0.747$3.27$2.5237.08%5.15%3.508716467788%
2016 Q2$0.729$3.219$2.497.17%5.07%3.510872285488%
2016 Q1$0.712$3.194$2.4827.6%5.15%3.693316899738%
2015 Q4$0.733$3.126$2.3937.65%5.27%3.716225359446%
2015 Q3$0.714$3.106$2.3928.21%5.45%3.850217528179%
2015 Q2$0.703$3.063$2.368.39%5.32%3.804532151106%
2015 Q1$0.684$3.015$2.3318.38%5.3%3.758335235334%
2014 Q4$0.7$2.987$2.2877.31%5.35%3.919779903564%
2014 Q3$0.68$2.966$2.2867.46%5.42%3.84972692405%
2014 Q2$0.669$2.941$2.2727.83%5.47%3.73871218604%
2014 Q1$0.659$2.913$2.2548.51%5.52%3.869921745581%
2013 Q4$0.683$2.905$2.2229.45%5.63%3.909495202491%
2013 Q3$0.672$2.835$2.1639.36%5.82%4.029567949829%
2013 Q2$0.668$2.801$2.1339.99%6.09%4.281856305935%
2013 Q1$0.66$2.774$2.11410.21%6.22%4.413169424765%
2012 Q4$0.679$2.773$2.09410.57%6.36%4.508299741682%
2012 Q3$0.674$2.782$2.10810.45%6.58%4.85381871698%
2012 Q2$0.672$2.791$2.11910.9%6.95%5.191871395479%
2012 Q1$0.6788$2.81$2.13111.27%7.24%5.411281943027%
2011 Q4$0.704$2.82$2.11611.48%7.64%5.87081272438%
2011 Q3$0.6933$2.722$2.02911.5%8.08%6.261085221109%
2011 Q2$0.6943$2.747$2.05312.16%8.58%6.90403448201%
2011 Q1$0.6964$2.694$1.99813.12%9.71%7.989690719378%
2010 Q4$0.7296$2.66$1.9313.27%10.74%9.205107447665%
2010 Q3$0.7311$2.68$1.94913.16%12.11%10.231560475207%
2010 Q2$0.7444$2.6976$1.953613.74%12.93%10.63466776994%
2010 Q1$0.7624$2.76$1.99813.73%13.26%10.800359841002%
2009 Q4$0.795$2.87$2.0712.7%13.78%10.956993905054%
2009 Q3$0.812$2.93$2.11811.9%13.77%10.507395578629%
2009 Q2$0.824$3.04$2.21611.74%13.36%10.196476671882%
2009 Q1$0.843$3.27$2.42711.44%12.65%9.56032605525%
2008 Q4$0.866$3.53$2.66410.18%11.84%8.704218911875%
2008 Q3$0.858$3.7$2.8429.48%10.95%8.129030786575%
2008 Q2$0.85$3.67$2.8210.15%10.43%7.661044814924%
2008 Q1$0.837$3.42$2.5839.49%10.13%7.266043389163%
2007 Q4$0.839$3.46$2.6219.48%9.7%6.745265494882%
2007 Q3$0.817$3.39$2.5739.34%9.29%6.524552774299%
2007 Q2$0.796$3.32$2.5249.38%9.32%6.360468181477%
2007 Q1$0.764$3.05$2.2869.74%9.05%6.178761782501%
2006 Q4$0.767$3.06$2.2939.66%8.76%5.82964848866%
2006 Q3$0.754$3.13$2.3769.19%8.38%5.594160297766%
2006 Q2$0.739$3.15$2.4118.96%8.45%5.610409208142%
2006 Q1$0.723$3.12$2.3978.82%8.58%5.512817546706%
2005 Q4$0.736$3.09$2.3548.53%8.63%5.792062774945%
2005 Q3$0.732$3.06$2.3289.07%9.25%6.274436759981%
2005 Q2$0.717$2.97$2.2539.23%9.1%6.362957778035%
2005 Q1$0.71$2.89$2.189.59%9.35%6.642855308477%
2004 Q4$0.717$2.86$2.1439.18%9.85%7.001945938323%
2004 Q3$0.706$2.6$1.8948.65%10.2%7.136673252625%
2004 Q2$0.697$2.6$1.9038.85%10.48%7.338891721391%
2004 Q1$0.695$2.57$1.8759.27%10.89%7.774818470778%
2003 Q4$0.698$2.57$1.8729.24%11.56%8.061019660728%
2003 Q3$0.693$2.55$1.8578.67%11.74%8.172632130688%
2003 Q2$0.693$2.56$1.8678.9%12.27%8.407280143102%
2003 Q1$0.688$2.55$1.8628.84%12.32%8.273484460199%

Source: Federal Reserve Bank of New York. Exact observations from the committed normalized dataset.

Definitions

Credit-card balance

Outstanding U.S. credit-card debt in the New York Fed Consumer Credit Panel. Page 3 supplies the authoritative balance history.

Aggregate credit-card limit

Total aggregate reported credit limit on credit-card accounts represented in the New York Fed Consumer Credit Panel.

Available credit

Aggregate available credit represented in the source data.

Balance 90+ days delinquent

Percentage of credit-card balances 90 or more days delinquent. This is a stock measure. It can include charged-off balances that remain on consumer credit reports, so it is not equivalent to lender-reported delinquency or formal-default rates.

Flow into 30+ day delinquency

Annualized share of credit-card balances newly transitioning into delinquency of 30 or more days, presented as a four-quarter moving sum. This is a flow measure.

Flow into serious 90+ day delinquency

Annualized share of credit-card balances newly transitioning into serious delinquency of 90 or more days, presented as a four-quarter moving sum. This is a flow measure.

Methodology and Sources

The sole primary source is the Federal Reserve Bank of New York Quarterly Report on Household Debt and Credit, based on the New York Fed Consumer Credit Panel / Equifax. The latest period is Q2 2026, released August 11, 2026. All six series run continuously from 2003 Q1 through 2026 Q2.

Stock delinquency and delinquency-flow measures are distinct. Charged-off balances can affect the stock 90+ measure, while flows are more useful for evaluating current repayment transitions. Page 3 supplies the authoritative balance history; Page 10 supplies aggregate limits and available credit. The Q2 release includes a revision to Q1 2026 credit-card balances.

No secondary delinquency or default dataset is merged into the history. No values are fabricated, interpolated, substituted, or estimated.

Credit Card Delinquency, Debt, and Bankruptcy

Persistent unsecured credit-card debt can become difficult to manage, and its treatment depends on the debtor's circumstances and bankruptcy chapter. Learn about chapter 7, chapter 13, and bankruptcy filing statistics. For related consumer-credit context, see our mortgage delinquency statistics and auto-loan delinquency statistics.