Credit card delinquencies
Now 2.85 % (Apr 1, 2026), before 2.91 %, a year ago 3.04 %.
How to read it
The share of credit-card debt 30 days or more past due. When it rises while total spending keeps growing, it is called the K-shaped consumer: higher-income households spend, lower-income ones fall behind. Read next to Walmart's, McDonald's or Visa's comments.
Source: FRED · quarterly