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Past due < 30 days

Delinquent > 30 days

Generally delinquent increase of any percentage is a big red flag as these accounts are statistically very unlikely to make a correction and are a bellwether for greater issues like sustainable future consumer trends. They also betray the real unemployment rate including the us "jobless" hand wavery.




Not following. Did you click the link? FRED has "30 or More Days Past Due", "60 or More Days Past Due" and "90 or More Days Past Due." None of them align with delinquency rate


Its up to the CC companies to determine delinquency. Some may consider it at > 30 days, others may wait until 90 or 120 days.




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