12.9% of credit card balances in the US are 90+ days delinquent, near the highest since 2011.
10.6% of student loan balances are now 90+ days delinquent, the highest since 2020.
5.5% of auto loan balances are 90+ days delinquent, just off the highest level on record.
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— Charlie Bilello (@charliebilello)
August 12, 2026