The article uses 30-day and 90-day delinquency rates and charge-off ratios from third-quarter reports at large banks to gauge credit card borrowers. Citigroup's 30-day delinquency rate was 1.16% for its own branded cards and 1.96% for private-label cards, both lower than a year earlier. JPMorgan reported a 30-day delinquency rate of 1.97% and a 90-day rate of 0.96%, while Bank of America posted net charge-offs of 3.22%. Capital One's 30-day delinquency rate of 3.72% was the highest in the group, though still down from a year ago, and its charge-off rate was 4.01%. The article says the data suggest consumers are holding up well despite inflation pressures.
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Related tickers and likely impact
JPM
• NeutralJPMorgan Chase
Relevance: low
| Market | US stocks |
|---|---|
| Sector | Financials |
| Industry | Diversified Banks |
| Market cap | $894.6B |
| Close on 10/30/2026 | 337.11 |
| Change that session | -1.88% |
Impact is scored by AI from the headline and may be wrong. It is not investment advice.
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