---
title: "States with Credit Card Delinquency Above 10%"
slug: the-spread
summary: "Credit card delinquency above 10% in 36 states, counting DC, in 2025, up from 29 a year earlier"
category: "Who's Hurting"
unit: count
frequency: annual
direction: higher_is_worse
latest_value: 36
latest_period: "2025"
trend: rising
last_updated: "2026-03-01T23:25:04Z"
source: "New York Fed Consumer Credit Panel / Equifax"
source_url: https://www.newyorkfed.org/microeconomics/databank.html
canonical_html: https://americandefault.org/indicators/the-spread/
citation_apa: "Kilburn, R. (2026). States with Credit Card Delinquency Above 10% [Data set]. American Default Research. https://americandefault.org/indicators/the-spread/"
citation_chicago: "Kilburn, Ross. 2026. \"States with Credit Card Delinquency Above 10%.\" American Default Research. https://americandefault.org/indicators/the-spread/."
citation_mla: "Kilburn, Ross. \"States with Credit Card Delinquency Above 10%.\" American Default Research, 2026, americandefault.org/indicators/the-spread/."
---

# States with Credit Card Delinquency Above 10%

Also tracked as The Spread.

> Credit card delinquency above 10% in 36 states, counting DC, in 2025, up from 29 a year earlier

## Current Reading

As of 2025, States with Credit Card Delinquency Above 10% is **36** (rising — worsening for households).

states, counting DC, where over 10% of card balances are 90+ days late

## What Changed

- 36 states, counting DC, had more than 10% of credit card balances 90 or more days late at the end of 2025, up from 29 in 2024.
- That is the most since 2010.
- The count has been higher than the year before for three years in a row.

## Recent Values

| Period | Value |
|--------|-------|
| 2025 | 36 |
| 2024 | 29 |
| 2023 | 13 |
| 2022 | 1 |
| 2021 | 3 |
| 2020 | 8 |
| 2019 | 3 |
| 2018 | 1 |
| 2017 | 1 |
| 2016 | 1 |
| 2015 | 3 |
| 2014 | 3 |

## Historical Context

- Peak since 2003: **42** in 2010
- Low since 2003: **1** in 2016
- Pre-pandemic average (2015-01 – 2019-12): **2**
- Post-pandemic average (2020-01 – 2024-12): **11**

## Methodology

This indicator carries annual observations and is interpreted as higher values indicate worse household conditions. Source: New York Fed Consumer Credit Panel / Equifax.
Automation: collected automatically on the daily refresh pipeline, with no hand entry.

## Source

New York Fed Consumer Credit Panel / Equifax — [https://www.newyorkfed.org/microeconomics/databank.html](https://www.newyorkfed.org/microeconomics/databank.html)

Data retrieved: 2026-03-01T23:25:04Z

## Related Indicators

- [falling-behind](https://americandefault.org/indicators/falling-behind/)
- [the-late-fee](https://americandefault.org/indicators/the-late-fee/)

## Machine-Readable Endpoints

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

## Citation

**APA 7th**

    Kilburn, R. (2026). States with Credit Card Delinquency Above 10% [Data set]. American Default Research. https://americandefault.org/indicators/the-spread/

**Chicago (author-date)**

    Kilburn, Ross. 2026. "States with Credit Card Delinquency Above 10%." American Default Research. https://americandefault.org/indicators/the-spread/.

**MLA 9th**

    Kilburn, Ross. "States with Credit Card Delinquency Above 10%." American Default Research, 2026, americandefault.org/indicators/the-spread/.

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.