---
title: "TransUnion Credit Card Borrower Delinquency"
slug: the-risk-reset
summary: "Credit card borrowers 90+ days past due: 2.3%, up from 2.2% a year earlier"
category: "Debt"
unit: percent
frequency: quarterly
direction: higher_is_worse
latest_value: 2.26
latest_period: "2026-Q2"
trend: rising
last_updated: "2026-08-21T13:19:08Z"
source: "TransUnion Quarterly Press Release"
measurement_basis: "Borrower-level share of consumers with a bankcard account 90 or more days past due"
source_url: https://newsroom.transunion.com/Q2-2026-CIIR/
canonical_html: https://americandefault.org/indicators/the-risk-reset/
citation_apa: "Kilburn, R. (2026). TransUnion Credit Card Borrower Delinquency [Data set]. American Default Research. https://americandefault.org/indicators/the-risk-reset/"
citation_chicago: "Kilburn, Ross. 2026. \"TransUnion Credit Card Borrower Delinquency.\" American Default Research. https://americandefault.org/indicators/the-risk-reset/."
citation_mla: "Kilburn, Ross. \"TransUnion Credit Card Borrower Delinquency.\" American Default Research, 2026, americandefault.org/indicators/the-risk-reset/."
---

# TransUnion Credit Card Borrower Delinquency

Also tracked as The Risk Reset.

> Credit card borrowers 90+ days past due: 2.3%, up from 2.2% a year earlier

## Current Reading

As of 2026-Q2, TransUnion Credit Card Borrower Delinquency is **2.26%** (rising — worsening for households).

the borrower-level share of credit card consumers seriously delinquent

## What Changed

- The share of credit card borrowers 90 or more days past due was 2.3% in Q2 2026, up from 2.2% a year earlier.
- Higher than a year earlier for two quarters in a row.

## Recent Values

| Period | Value |
|--------|-------|
| 2026-Q2 | 2.26% |
| 2026-Q1 | 2.53% |
| 2025-Q4 | 2.58% |
| 2025-Q3 | 2.37% |
| 2025-Q2 | 2.17% |
| 2025-Q1 | 2.43% |
| 2024-Q4 | 2.56% |
| 2024-Q3 | 2.43% |
| 2024-Q2 | 2.26% |
| 2024-Q1 | 2.55% |
| 2023-Q4 | 2.59% |
| 2023-Q3 | 2.34% |

## Historical Context

- Peak since 2022: **2.59%** in Q4 2023
- Low since 2022: **1.57%** in Q2 2022

## Methodology

This indicator carries quarterly observations and is interpreted as higher values indicate worse household conditions. Source: TransUnion Quarterly Press Release.
Measurement basis: Borrower-level share of consumers with a bankcard account 90 or more days past due
Automation: parsed from the source's press releases via the Anthropic Claude API.

## Source

TransUnion Quarterly Press Release — [https://newsroom.transunion.com/Q2-2026-CIIR/](https://newsroom.transunion.com/Q2-2026-CIIR/)

Data retrieved: 2026-08-21T13:19:08Z

## 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-risk-reset/
- JSON: https://americandefault.org/api/indicators/the-risk-reset.json
- CSV: https://americandefault.org/api/downloads/the-risk-reset.csv
- BibTeX: https://americandefault.org/citations/the-risk-reset.bib
- RIS: https://americandefault.org/citations/the-risk-reset.ris

## Citation

**APA 7th**

    Kilburn, R. (2026). TransUnion Credit Card Borrower Delinquency [Data set]. American Default Research. https://americandefault.org/indicators/the-risk-reset/

**Chicago (author-date)**

    Kilburn, Ross. 2026. "TransUnion Credit Card Borrower Delinquency." American Default Research. https://americandefault.org/indicators/the-risk-reset/.

**MLA 9th**

    Kilburn, Ross. "TransUnion Credit Card Borrower Delinquency." American Default Research, 2026, americandefault.org/indicators/the-risk-reset/.

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.