Bankcard Balances 60+ Days Past Due (Equifax)
Credit card balances 60+ days delinquent
Where the Bankcard Balances 60+ Days Past Due (Equifax) stands now
The Bankcard Balances 60+ Days Past Due (Equifax) was 2.74% in September 2026, down from the 3.16% peak in December 2024.
What it means for households: Consumer Debt Statistics Behind on payments? Your Rights with Debt Collectors
How the Bankcard Balances 60+ Days Past Due (Equifax) has moved since 2024
Bankcard balances 60+ days past due, September 2026: 2.74%
Share of credit card balances 60+ days past due, Equifax monthly, not seasonally adjusted: 2.74% in September 2026. Monthly, 2024–2026.
What the Bankcard Balances 60+ Days Past Due (Equifax) measures
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.
Bankcard Balances 60+ Days Past Due (Equifax) by month, 2024 to 2026
| Month | Rate (%) | Change from a year earlier (percentage points) |
|---|---|---|
| Sep 2026 | 2.74 | — |
| Aug 2026 | 2.71 | — |
| Jul 2026 | 2.70 | — |
| Jun 2026 | 2.71 | — |
| Dec 2025 | 3.03 | −0.13 |
| Oct 2025 | 2.91 | −0.18 |
| Dec 2024 | 3.16 | — |
| Oct 2024 | 3.09 | — |
| Sep 2024 | 3.01 | — |
Monthly · Equifax Monthly Press Release
Counties with the highest delinquency scores
There's no county figure for this measure, so this list uses the delinquency part of our County Distress Index.
| Rank | County | Score (0–100) |
|---|---|---|
| 1 | Coahoma County, MS | 99.5 |
| 2 | Washington County, MS | 99.3 |
| 3 | Leflore County, MS | 99.3 |
| 4 | Williamsburg County, SC | 99.2 |
| 5 | Dillon County, SC | 98.9 |
| 6 | Clayton County, GA | 98.9 |
| 7 | Yazoo County, MS | 98.6 |
| 8 | Sunflower County, MS | 98.5 |
| 9 | Marlboro County, SC | 98.4 |
| 10 | Dallas County, AL | 98.3 |
Questions about credit card balances 60 days late
What does the 60-day delinquency line measure?
It is the share of dollars owed on general-purpose credit cards that are 60 or more days late or in collections. Equifax put it at 2.74% for September 2026. Store cards are a separate category and are not included.
Is this the share of people behind on their credit cards?
No. It is a share of card balances, so one large late balance counts for more than several small ones. Equifax reports the share of consumers with a late payment, and the share of card accounts that are late, as separate figures.
Why compare with the same month a year earlier?
The rate is not seasonally adjusted. Card delinquency follows a yearly pattern, and Equifax says it usually dips as tax refunds arrive, so a change from one month to the next can be the calendar rather than a change in how people are paying.
Where does this data come from?
Equifax's U.S. National Consumer Credit Trends Portfolio report. Each edition is named for the month it comes out and carries the previous month's data, so the August edition reports July. Equifax says the figures cover its whole credit database, not a sample.
Sources and method for the Bankcard Balances 60+ Days Past Due (Equifax)
- 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. We use the monthly figures as published, from September 2024 through September 2026, with no adjustment of our own. Equifax doesn’t adjust this rate for the season, so compare a month with the same month a year earlier. Equifax’s report
We write with assistance from AI tools. Figures come from the data and sources named on this page.