TransUnion reports that national credit card delinquency rate (the ratio of borrowers 90 or more days past due) increased slightly to 0.75% in Q3 2012 from 0.71% in Q3 2011. This rate had been 0.63% in Q2 2012, a seasonal low.
Average credit card debt per borrower also increased on a yearly basis by 4.91%, rising to $4,996 in Q3 2012 from $4,762 in Q3 2011. On a quarterly basis, average credit card debt was up 0.50% relative to Q2. This information is reported by TransUnion and is part of its ongoing series of quarterly analyses of credit-active U.S. consumers, evaluating how they are managing credit related to mortgages, credit cards and auto loans.
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