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

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

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

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