Credit unions saw a slowdown in severe delinquency impacting their credit card portfolios to finish 2024, with increases in average monthly spend and average balance

Credit card delinquency rates picked up in the back half of the year as spending slows

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Credit card delinquencies are stabilizing in early buckets while consumers continue to spend

Credit card balances and severe delinquencies are growing but positive signs are starting to appear

Credit card balances continue to rise, early-stage delinquency begins to show signs of flattening

Upcoming US elections loom over the outlook for the US financial services industry, but regulations on AI, open banking and more are expected

More consumers are carrying credit card balances despite high rates, and delinquency rates continue to rise

Higher prices keep customers in a pinch from making on-time payments

The pandemic caused behavioral impacts on credit card payments of consumers for revolving products, where the minimum due is a small percentage of the current credit card balance

Bankcard delinquencies exceed pre-pandemic levels, higher losses are forecasted ahead

Bankcard delinquencies continue to rise, higher losses are coming in 2023

Open banking, BNPL, cybersecurity and AI will all be under the microscope for regulators and policymakers, but not all areas will see major action in 2023

Inflation takes hold, bankcards delinquencies surpass pre-pandemic levels

Bankcard delinquencies continue to rise as growth in the economy slows