TransUnion Credit Card Borrower Delinquency
TransUnion's share of credit card borrowers 90 or more days past due is higher than a year earlier
Where the TransUnion Credit Card Borrower Delinquency stands now
The TransUnion Credit Card Borrower Delinquency was 2.3% in the second quarter of 2026, down from the 2.6% peak in the fourth quarter of 2023. It has been higher than a year earlier for two quarters in a row, though it dipped from the first quarter of 2026.
What it means for households: Consumer Debt Statistics Behind on payments? Your Rights with Debt Collectors
How the TransUnion Credit Card Borrower Delinquency has moved since 2022
TransUnion Credit Card Borrower Delinquency: up since 2022
Borrower-level credit card serious delinquency, TransUnion quarterly: 2.3% in the second quarter of 2026, up from 2.2% a year earlier. Quarterly, 2022–2026.
What the TransUnion Credit Card Borrower Delinquency measures
Measurement basis: Borrower-level share of consumers with a bankcard account 90 or more days past due
A higher rate is worse for households.
TransUnion Credit Card Borrower Delinquency by quarter, 2022 to 2026
| Quarter | Rate (%) | Change from a year earlier (percentage points) |
|---|---|---|
| Q2 2026 | 2.3 | +0.1 |
| Q1 2026 | 2.5 | +0.1 |
| Q4 2025 | 2.6 | 0.0 |
| Q3 2025 | 2.4 | 0.0 |
| Q2 2025 | 2.2 | −0.1 |
| Q1 2025 | 2.4 | −0.2 |
| Q4 2024 | 2.6 | 0.0 |
| Q3 2024 | 2.4 | +0.1 |
| Q2 2024 | 2.3 | +0.2 |
| Q1 2024 | 2.6 | +0.3 |
| Q4 2023 | 2.6 | +0.3 |
| Q3 2023 | 2.3 | +0.4 |
| Q2 2023 | 2.1 | +0.5 |
| Q1 2023 | 2.3 | — |
| Q4 2022 | 2.3 | — |
| Q3 2022 | 1.9 | — |
| Q2 2022 | 1.6 | — |
Quarterly · TransUnion Quarterly 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 the TransUnion Credit Card Borrower Delinquency
What share of credit card borrowers are seriously delinquent?
TransUnion put the share of credit card borrowers 90 or more days past due at 2.3% in the second quarter of 2026, up from 2.2% a year earlier. TransUnion compares each quarter with the same quarter a year before, because the rate follows a seasonal pattern.
Is this the share of credit card debt that is past due?
No. It is a share of borrowers. TransUnion reports a separate balance-level rate, and the Federal Reserve Board and the New York Fed publish balance-based card delinquency rates from other data. Those measure a different thing and are not interchangeable with this one.
Is this a delinquency rate for borrowers with low credit scores only?
No. It covers all credit card borrowers in TransUnion's data. TransUnion sometimes names borrowers with low credit scores as one reason the rate changed, but they are not the group being measured.
Where does this credit card delinquency data come from?
TransUnion publishes it in its quarterly Credit Industry Insights Report, built from its U.S. consumer credit database. Recent releases came out between one and two months after the quarter ended.
Sources and method for the TransUnion Credit Card Borrower Delinquency
- TransUnion Quarterly Press Release Measurement basis: Borrower-level share of consumers with a bankcard account 90 or more days past due We use the quarterly figures as published, from the second quarter of 2022 through the second quarter of 2026, with no adjustment of our own. TransUnion doesn’t adjust this rate for the season, so compare a quarter with the same quarter a year earlier. TransUnion’s report
We write with assistance from AI tools. Figures come from the data and sources named on this page.