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Delinquencies down at major US card issuers

In December 2019, major U.S. credit card issuers posted lower delinquencies while the net charge-off trend was mixed.

The average delinquency ratio among master trust portfolios at six large card issuers — American Express Co., Bank of America Corp., Capital One Financial Corp., Citigroup Inc., Discover Financial Services and JPMorgan Chase & Co. — fell 3 basis points month over month to 1.48% in December 2019. Meanwhile, the average net charge-off ratio rose 10 basis points month over month to 2.32%.

The group's average trust portfolio loan yield increased 47 basis points month over month to 20.59% in December 2019.

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Click here for the underlying data for credit card master trust yields, net charge-offs, and delinquencies.