Debt Stress

The Risk Reset

Borrower-level credit card serious delinquency rose year over year

What is the current Risk Reset reading?

SERIOUSLY DELINQUENT BORROWERS
2.26% ↓ Improving
the borrower-level share of credit card consumers seriously delinquent
One year ago
2.17% ↑ Worsening
up 0.1 percentage points since Q2 2025

TransUnion's Credit Industry Insights Report tracks the share of credit card borrowers who are seriously delinquent. The measure counts consumers rather than the share of balances past due. Source: TransUnion U.S. Consumer Credit Database.

Measurement basis: Borrower-level share of consumers with a bankcard account 90 or more days past due

TransUnion reported 2.26% of credit card borrowers seriously delinquent in Q2 2026.

TransUnion defines this as a borrower-level credit card delinquency rate: the share of consumers with a bankcard account 90 or more days past due.

At 2.26% in Q2 2026, the series describes serious delinquency among credit card borrowers. It does not measure the share of balances past due.

This is an overall credit card borrower measure and does not identify a credit-score tier or lender risk appetite.

Read it alongside Credit Card Delinquency, which uses a different source and a balance-based measure, and Credit Card Charge-Offs, which records losses after delinquency.

Source: TransUnion Quarterly Press Release · Source data ↗ · Latest: 2026-Q2
Related signals confirming this trend
The Repo Line
5.49% ↑ Worsening
Measures serious delinquency as a share of outstanding auto loan balances
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Credit Card Delinquency Spread — Outside Top 100 Minus Top 100 Banks
3.8 pp
Matched bank-population credit card delinquency difference
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Delinquency Rate on Consumer Loans (ex credit card)
2.28% ↓ Improving
The quiet corner of consumer credit is easing back, but not all the way to normal
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Explore Further

📊 Consumer Debt Statistics 2026 → 🛟 Your Rights with Debt Collectors → 📖 What Is Delinquency? → 📖 What Is Credit Card Debt? →

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How has The Risk Reset changed over time?

CSV Chart Card
Credit card serious delinquency over time
Borrower-level credit card serious delinquency, TransUnion quarterly
The Risk Reset
Data: TransUnion Quarterly Press Release Updated Aug 2026

Most affected counties

Counties with the highest delinquency scores in the County Distress Index.

1 Coahoma County MS 99.5 2 Leflore County MS 99.4 3 Washington County MS 99.3 4 Williamsburg County SC 99.2 5 Clayton County GA 99.2 6 Yazoo County MS 98.6 7 Dillon County SC 98.5 8 Sunflower County MS 98.5 9 Dallas County AL 98.2 10 Marlboro County SC 98.1
Explore all 3,144 counties →
Historical data
Quarterly · TransUnion Quarterly Press Release
Period Value YoY Change
Q2 2026 2.26% +0.09 pp
Q1 2026 2.53% +0.1 pp
Q4 2025 2.58% +0.02 pp
Q3 2025 2.37% -0.06 pp
Q2 2025 2.17% -0.09 pp
Q1 2025 2.43% -0.12 pp
Q4 2024 2.56% -0.03 pp
Q3 2024 2.43% +0.09 pp
Q2 2024 2.26% +0.2 pp
Q1 2024 2.55% +0.29 pp
Q4 2023 2.59% +0.33 pp
Q3 2023 2.34% +0.4 pp

Frequently Asked Questions

What does this TransUnion credit card delinquency rate measure?

It is the share of credit card borrowers whose accounts are seriously delinquent. It counts consumers rather than the share of outstanding balances past due.

Why does borrower-level credit card delinquency matter?

It shows how widely serious payment trouble is spread across credit card borrowers. A balance-based rate answers a different question because a small number of large balances can move it.

Where does this credit card delinquency data come from?

TransUnion publishes the borrower-level rate in its quarterly Credit Industry Insights Report using the TransUnion U.S. Consumer Credit Database.

Ross Kilburn
Written by

Ross Kilburn, Founder

American Default Research · Seattle, Washington
𝕏 @

Two decades working directly with financially distressed American households — from property preservation in 2003, to negotiating over 1,000 short sales during the Great Recession, to foreclosure defense marketing today. Author, The Ark Law Group Complete Guide to Short Sales (Auroch Press, 2013). Twice named to Puget Sound Business Journal Fast 50 for Ark Law Group. B.A., University of California, Berkeley, 1992. Founded American Default Research in 2026 to fill a gap in public data that had been empty since 2013.

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Why does The Risk Reset matter?

The Risk Reset is one of 98 live indicators tracked by American Default Research. The methodology page explains sources, update cadence, and how the index uses its published inputs.
View methodology →
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