VantageScore CreditGauge August 2024: Relief Comes Just in Time as Balances Hit Four-Year High and Borrowers Increased Reliance on Credit
VantageScore CreditGauge August 2024: Relief Comes Just in Time as Balances Hit Four-Year High and Borrowers Increased Reliance on Credit
- Average Credit Card balance rose to $6,358, the highest year-to-date; Credit Card utilization also rose month-over-month
- New credit account growth increased month-over-month across all products except Mortgage
- Early-stage delinquency rates moderated but remained elevated overall as consumers juggled competing payments
- 平均信用卡餘額增至6,358美元，爲今年迄今爲止的最高水平；信用卡使用率也同比上升
- 除抵押貸款外，所有產品的新信用帳戶同比增長均有所增加
- 早期階段的拖欠率有所緩和，但由於消費者兼顧競爭性支付，總體上仍處於較高水平
SAN FRANCISCO, Sept. 26, 2024 /PRNewswire/ -- VantageScore, a leading national credit-scoring company, today released its August 2024 CreditGauge, a monthly analysis highlighting the overall health of U.S. consumer credit. The average VantageScore 4.0 credit score remained at 702 but inched closer to its first decline in over a year. The lowest VantageScore 4.0 credit score is 300, while the highest score is 850. Borrowers leaned more heavily on their credit as loan balances hit their highest level in more than four years.
舊金山，2024 年 9 月 26 日 /PRNewswire/-- VantageScore一家領先的全國信用評分公司，今天發佈了2024年8月的評分報告 信用指標，一項月度分析，重點介紹了美國消費信貸的整體健康狀況。VantageScore 4.0的平均信用評分保持在702分，但已接近一年多以來的首次下降。VantageScore 4.0的最低信用分數爲300，而最高分爲850。隨着貸款餘額達到四年多來的最高水平，借款人更加依賴信貸。
譯文內容由第三人軟體翻譯。
