← All instruments: the full set 1991
high 6.77 · low 1.53 · now 2.92 · 4 recessions shaded 2026
C24 · HOUSEHOLD CREDIT STRESS
Credit-card delinquency rate, all commercial banks
2.92
STALE ROBUST DRS 95 quarterly as of 2026-01-01
This tile is stale: the value shown is the last one the source published, never a fabricated current number.
The full history
How it is read
- What it measures
- household credit stress
- Confidence
- ROBUST : a primary official series, mechanically reported.
- Reliability (DRS)
- DRS 95: Where household stress shows first now that mortgages are mostly fixed-rate.
Where it comes from
FRED ↗ Every number on this site is reproducible from this primary source.
What it read at past stress points
| Lehman, Sep 2008 | 4.80 | ▲ EXTREME |
|---|---|---|
| Q4-2018 selloff | 2.54 | · CALM |
| Curve inversion, Aug 2019 | 2.60 | · CALM |
| COVID crash, Mar 2020 | 2.69 | · CALM |
Questions it helps answer
- The Plumbing : Is the banking and credit system carrying its load?