---
title: "Bankcard Balances 60+ Days Past Due (Equifax)"
slug: the-60-day-line
summary: "2.74% of bankcard balances were 60 or more days past due in September 2026, on Equifax data."
category: "Debt"
unit: percent
frequency: monthly
direction: higher_is_worse
latest_value: 2.74
latest_period: "2026-09"
trend: unknown
trend_suppressed: "frequency_violation"
last_updated: "2026-10-20T00:00:00Z"
source: "Equifax Monthly Press Release"
measurement_basis: "Share of bankcard balances that are 60 or more days past due in Equifax's monthly U.S. National Consumer Credit Trends Portfolio report. This is a share of card balances, not a share of accounts or borrowers."
source_url: https://www.equifax.com/resource/-/asset/report/monthly-national-consumer-credit-trends-report-july-2026-portfolio/
canonical_html: https://americandefault.org/indicators/the-60-day-line/
citation_apa: "Kilburn, R. (2026). Bankcard Balances 60+ Days Past Due (Equifax) [Data set]. American Default Research. https://americandefault.org/indicators/the-60-day-line/"
citation_chicago: "Kilburn, Ross. 2026. \"Bankcard Balances 60+ Days Past Due (Equifax).\" American Default Research. https://americandefault.org/indicators/the-60-day-line/."
citation_mla: "Kilburn, Ross. \"Bankcard Balances 60+ Days Past Due (Equifax).\" American Default Research, 2026, americandefault.org/indicators/the-60-day-line/."
---

# Bankcard Balances 60+ Days Past Due (Equifax)

Also tracked as The 60-Day Line.

> 2.74% of bankcard balances were 60 or more days past due in September 2026, on Equifax data.

## Current Reading

As of September 2026, Bankcard Balances 60+ Days Past Due (Equifax) is **2.74%**.

## What Changed

- 2.74% of general-purpose credit card balances on Equifax files were 60 or more days past due in September 2026.
- The rate is not seasonally adjusted, so it is compared only with the same month a year earlier.

## Recent Values

| Period | Value |
|--------|-------|
| 2026-09 | 2.74% |
| 2026-08 | 2.71% |
| 2026-07 | 2.7% |
| 2026-06 | 2.71% |
| 2025-12 | 3.03% |
| 2025-10 | 2.91% |
| 2024-12 | 3.16% |
| 2024-10 | 3.09% |
| 2024-09 | 3.01% |

## Historical Context

- Peak since 2024: **3.16%** in December 2024
- Low since 2024: **2.7%** in July 2026

## Methodology

This indicator carries monthly observations and is interpreted as higher values indicate worse household conditions. Source: Equifax Monthly Press Release.
Measurement basis: Share of bankcard balances that are 60 or more days past due in Equifax's monthly U.S. National Consumer Credit Trends Portfolio report. This is a share of card balances, not a share of accounts or borrowers.
Automation: parsed from the source's press releases via the Anthropic Claude API.

## Source

Equifax Monthly Press Release — [https://www.equifax.com/resource/-/asset/report/monthly-national-consumer-credit-trends-report-july-2026-portfolio/](https://www.equifax.com/resource/-/asset/report/monthly-national-consumer-credit-trends-report-july-2026-portfolio/)

Data retrieved: 2026-10-20T00:00:00Z

## Related Indicators

- [charge-off-rate-on-credit-card-loans](https://americandefault.org/indicators/charge-off-rate-on-credit-card-loans/)
- [the-late-fee](https://americandefault.org/indicators/the-late-fee/)

## Machine-Readable Endpoints

- HTML page: https://americandefault.org/indicators/the-60-day-line/
- JSON: https://americandefault.org/api/indicators/the-60-day-line.json
- CSV: https://americandefault.org/api/downloads/the-60-day-line.csv
- BibTeX: https://americandefault.org/citations/the-60-day-line.bib
- RIS: https://americandefault.org/citations/the-60-day-line.ris

## Citation

**APA 7th**

    Kilburn, R. (2026). Bankcard Balances 60+ Days Past Due (Equifax) [Data set]. American Default Research. https://americandefault.org/indicators/the-60-day-line/

**Chicago (author-date)**

    Kilburn, Ross. 2026. "Bankcard Balances 60+ Days Past Due (Equifax)." American Default Research. https://americandefault.org/indicators/the-60-day-line/.

**MLA 9th**

    Kilburn, Ross. "Bankcard Balances 60+ Days Past Due (Equifax)." American Default Research, 2026, americandefault.org/indicators/the-60-day-line/.

Use **American Default Research** as the institutional name in source lists, bibliographies, and press citations. **American Default** is the brand and URL form. **American Distress Index (ADI)** is the product name for the national composite score.