Credit card delinquency and default rates for all 50 states. 30-day, 60-day, and 90-day late payment data.
| Rank | State | 90+ Day Rate | Notes |
|---|---|---|---|
| 1 | Mississippi | 5.2% | Highest delinquency |
| 2 | Louisiana | 4.9% | |
| 3 | West Virginia | 4.8% | |
| 4 | Alabama | 4.6% | |
| 5 | Arkansas | 4.5% | |
| 6 | New Mexico | 4.6% | |
| 7 | South Carolina | 4.4% | |
| 8 | Oklahoma | 4.3% | |
| 9 | Tennessee | 4.2% | |
| 10 | Texas | 4.1% | Large population impact |
| --- | National Average | 3.1% | |
| 41 | Minnesota | 2.1% | |
| 42 | New Hampshire | 2.0% | |
| 43 | Massachusetts | 1.9% | |
| 44 | Hawaii | 1.8% | |
| 45 | Vermont | 1.8% | |
| 46 | South Dakota | 1.7% | |
| 47 | Wisconsin | 1.7% | |
| 48 | Iowa | 1.6% | |
| 49 | North Dakota | 1.5% | |
| 50 | Utah | 1.4% | Lowest delinquency |
| Year | 90+ Day Rate | Context |
|---|---|---|
| 2019 | 2.4% | Pre-pandemic baseline |
| 2020 | 1.5% | Stimulus/forbearance |
| 2021 | 1.4% | Historic low |
| 2022 | 1.8% | Rising from lows |
| 2023 | 2.5% | Exceeding pre-pandemic |
| 2024 | 2.8% | Continued increase |
| 2025 | 3.0% | Near 10-year high |
| 2026 | 3.1% | Stabilizing |
| Age Group | 90+ Day Rate | Assessment |
|---|---|---|
| 18-29 | 4.8% | Highest delinquency rate |
| 30-39 | 3.5% | Above average |
| 40-49 | 2.9% | Near average |
| 50-59 | 2.4% | Below average |
| 60-69 | 1.8% | Lower risk |
| 70+ | 1.2% | Lowest delinquency |
The 90+ day credit card delinquency rate is 3.1% in 2026. This has risen from historic lows of 1.4% in 2021 but remains below the 2010 peak of 6.9%.
Mississippi has the highest 90+ day delinquency rate at 5.2%, followed by Louisiana (4.9%) and West Virginia (4.8%).
Young adults (18-29) have the highest delinquency rate at 4.8%. Rates decrease with age, with those 70+ having the lowest rate at 1.2%.