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America's Credit Card Slump: Delinquencies Reach 12-Year High As Issuers Lower Credit Limits

America's Credit Card Slump: Delinquencies Reach 12-Year High As Issuers Lower Credit Limits

美國的信用卡暴跌：隨着髮卡機構降低信貸額度，拖欠率達到12年來的最高水平
Benzinga ·  04/12 04:39
Consumers are having trouble paying credit card bills.
消費者在支付信用卡賬單時遇到了麻煩。
What Happened: According to a new report by the Philadelphia Fed, credit card delinquencies reached the highest on record in the last quarter of 2023.
發生了什麼：根據費城聯儲的一份新報告，信用卡拖欠額在2023年最後一個季度達到有記錄以來的最高水平。
The agency has been analyzing credit card data since 2012. Since then, the fourth quarter of last year was the worst for credit card companies.
該機構自2012年以來一直在分析信用卡數據。從那時起，去年第四季度是信用卡公司最糟糕的時期。
Nearly 3.5% of credit card users carried their balances 30 days past the due date, with records also being crossed in the 60+ and 90+ days categories.
將近3.5％的信用卡用戶的餘額在到期日過了30天，在60天以上和90天以上的類別中也出現了結餘。
For some users, balances have reached concerning figures. At least 10% of borrowers have account balances over $5,200, and 25% have balances above $2,000.
對於一些用戶而言，餘額已達到令人擔憂的數字。至少有10％的借款人的賬戶餘額超過5,200美元，25％的借款人的賬戶餘額超過2,000美元。
Why...
爲...
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