Delinquency Rate on Credit Card Loans, All Commercial Banks
Delinquency Rate on Credit Card Loans, All Commercial Banks is delinquent loans as a share of the stated loan book, reported as Percent.
2.85
Percent
Delinquency Rate on Credit Card Loans, All Commercial Banks — latest reading: 2.85 percent. As of April 2026, it is up 3.6% over the past 12 months, above its 10-year average. Source: DRCCLACBS, US Federal Reserve Board, published quarterly. Reported as published, without transformation; the publisher may revise it.
Min
1.53
Max
6.77
Average
3.69
10Y Percentile
73%
3M Change
-4.7%
Delinquency Rate on Credit Card Loans, All Commercial Banks (DRCCLACBS) — 142 observations from 1991-01-01 to 2026-04-01. Source: FRED, Federal Reserve Bank of St. Louis. Red shading indicates NBER recession periods.
Compare Delinquency Rate on Credit Card Loans, All Commercial Banks with other indicators →
How these numbers changed
Every figure above is the current one. These are the same periods as first published — what Delinquency Rate on Credit Card Loans, All Commercial Banks said on the day, before it was restated. Measured in Percent.
| Period | First print | Now | Change | Republished |
|---|---|---|---|---|
| Jan 2026 | 2.92 | 2.91 | -0.01 | 1× |
| Oct 2025 | 2.94 | 2.95 | +0.01 | 1× |
| Jul 2025 | 2.98 | 2.99 | +0.01 | 1× |
| Apr 2025 | 3.05 | 3.04 | -0.01 | 1× |
| Jan 2025 | 3.05 | 3.05 | 0 | 2× |
| Oct 2024 | 3.08 | 3.08 | 0 | 2× |
| Jul 2024 | 3.23 | 3.2 | -0.03 | 3× |
| Apr 2024 | 3.25 | 3.22 | -0.03 | 3× |
| Jan 2024 | 3.16 | 3.17 | +0.01 | 2× |
| Oct 2023 | 3.1 | 3.1 | 0 | 3× |
| Jul 2023 | 2.98 | 2.95 | -0.03 | 5× |
Delinquency Rate on Credit Card Loans, All Commercial Banks for January 2026 first printed at 2.92 on May 19, 2026, was revised once, and now reads down to 2.91. Recompute any row from FRED's own vintage archive.
Macro Regime Context
The financial-conditions regime is currently neutral (63% confidence).
See what this means across all four regime dimensions →3-Month
-4.7%
6-Month
-7.5%
12-Month
+3.6%
What this means
Delinquency Rate on Credit Card Loans, All Commercial Banks is currently at 2.85 percent, which is above its 10-year historical average. The trend is decreasing (-4.7% over the past 3 months).
Over the past 6 months the change is -7.5%, and over 12 months it is +3.6%. The short-term move is accelerating relative to the longer trend.
Cite this page
MacroRadar, "Delinquency Rate on Credit Card Loans, All Commercial Banks," https://www.macroradar.io/delinquency-rate-on-credit-card-loans-all-commercial-banks (as of April 2026).