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["2025 Consumer Credit Card Market Report Figure Data"]
[]
[]
["For figures shown in red, underlying data are not published here. Please contact the providers of the data sources associated with those figures directly."]
["Section","Figure Number","Title","Source"]
[]
["2 - Use of credit",1,"MONTHLY SHARE OF CONSUMERS WITH BELOW-PRIME SCORES WITH AT LEAST ONE CREDIT CARD","CCIP"]
["2 - Use of credit",2,"SHARE OF ADULTS WITH AT LEAST ONE CREDIT CARD, BY AGE ","CCIP, CENSUS BUREAU"]
["2 - Use of credit",3,"CREDIT CARD CONSUMERS, YEAR-END 2023 ","CCIP"]
["2 - Use of credit",4,"SHARE OF SCORED CONSUMERS BY NUMBER OF CREDIT CARD ACCOUNTS BY CREDIT SCORE TIER, YEAR-END 2023 ","CCIP"]
["2 - Use of credit",5,"MONTHLY NUMBER OF OPEN CREDIT CARD ACCOUNTS ","CCIP"]
["2 - Use of credit",6,"QUARTERLY PURCHASE VOLUME ","Y-14+"]
["2 - Use of credit",7,"QUARTERLY PURCHASE VOLUME, GENERAL PURPOSE AND PRIVATE LABEL ","Y-14+"]
["2 - Use of credit",8,"AVERAGE ANNUAL PURCHASE VOLUME PER ACCOUNT, GENERAL PURPOSE AND PRIVATE LABEL, 2024 ","Y-14+"]
["2 - Use of credit",9,"QUARTERLY YEAR-OVER-YEAR PERCENT CHANGE IN PURCHASE VOLUME ","MMI"]
["2 - Use of credit",10,"SHARE OF TRANSACTIONS BY MERCHANT CATEGORY, 2024 ","MMI"]
["2 - Use of credit",11,"AVERAGE TRANSACTION SIZE BY MERCHANT CATEGORY, 2024 ","MMI"]
["2 - Use of credit",12,"PURCHASE VOLUME BY MERCHANT CATEGORY, 2024 ","MMI"]
["2 - Use of credit",13,"PERCENTAGE OF CREDIT CARD SPENDING BY MERCHANT CATEGORY ","MMI"]
["2 - Use of credit",14,"QUARTERLY YEAR-OVER-YEAR GROWTH RATE OF CYCLE-ENDING BALANCES AND PURCHASE VOLUME ","Y-14+"]
["2 - Use of credit",15,"MONTHLY CYCLE-ENDING BALANCES ","CCIP"]
["2 - Use of credit",16,"MONTHLY AVERAGE PER-CARDHOLDER CYCLE-ENDING BALANCES ","CCIP"]
["2 - Use of credit",17,"MONTHLY CYCLE-ENDING BALANCES, GENERAL PURPOSE AND PRIVATE LABEL","CCIP"]
["2 - Use of credit",18,"AVERAGE PER-ACCOUNT CYCLE-ENDING BALANCES, YEAR-END 2024 ","CCIP"]
["3 - Cost of credit",19,"QUARTERLY TOTAL COST OF CREDIT, AS A PERCENTAGE OF ANNUALIZED CYCLE-ENDING BALANCES, ALL ACCOUNTS ","Y-14+"]
["3 - Cost of credit",20,"ANNUAL TOTAL COST OF CREDIT, AS A SHARE OF CYCLE-ENDING BALANCES, REVOLVING ACCOUNTS, 2024 ","Y-14+"]
["3 - Cost of credit",21,"QUARTERLY INTEREST CHARGED ","Y-14+"]
["3 - Cost of credit",22,"QUARTERLY AVERAGE APR, GENERAL PURPOSE ","Y-14+"]
["3 - Cost of credit",23,"QUARTERLY AVERAGE APR, PRIVATE LABEL ","Y-14+"]
["3 - Cost of credit",24,"QUARTERLY AVERAGE INCIDENCE OF APR INCREASES, ACTIVE ACCOUNTS ","Y-14+"]
["3 - Cost of credit",25,"QUARTERLY AVERAGE INCIDENCE OF APR DECREASES, ACTIVE ACCOUNTS ","Y-14"]
["3 - Cost of credit",26,"ANNUAL EFFECTIVE INTEREST RATE, REVOLVING ACCOUNTS, 2024 ","Y-14+"]
["3 - Cost of credit",27,"QUARTERLY ANNUALIZED EFFECTIVE INTEREST RATE, REVOLVING GENERAL PURPOSE ACCOUNTS ","Y-14+"]
["3 - Cost of credit",28,"QUARTERLY ANNUALIZED EFFECTIVE INTEREST RATE, REVOLVING PRIVATE LABEL ACCOUNTS ","Y-14+"]
["3 - Cost of credit",29,"QUARTERLY AVERAGE APR MARGIN, GENERAL PURPOSE CARDS TIED TO THE PRIME RATE ","Y-14"]
["3 - Cost of credit",30,"TOTAL YEARLY PURCHASE VOLUME ON GENERAL PURPOSE CARDS WITH AND WITHOUT AN INTRODUCTORY APR PROMOTION ","Y-14"]
["3 - Cost of credit",31,"SHARE OF GENERAL PURPOSE CREDIT CARDS ORIGINATED WITH AN INTRODUCTORY PROMOTIONAL INTEREST RATE BY ORIGINATION CREDIT SCORE ","Y-14"]
["3 - Cost of credit","32 (A)","AVERAGE PURCHASE VOLUME BY MONTH SINCE ORIGINATION ON GENERAL PURPOSE CARDS BY ORIGINATION CREDIT SCORE, PANEL A: WITH INTRODUCTORY APR PROMOTIONS ","Y-14"]
["3 - Cost of credit","32 (B)","AVERAGE PURCHASE VOLUME BY MONTH SINCE ORIGINATION ON GENERAL PURPOSE CARDS BY ORIGINATION CREDIT SCORE, PANEL B: WITHOUT INTRODUCTORY APR PROMOTIONS ","Y-14"]
["3 - Cost of credit","33 (A)","AVERAGE BALANCE BY MONTH SINCE ORIGINATION ON GENERAL PURPOSE CARDS BY ORIGINATION CREDIT SCORE, PANEL A: WITH INTRODUCTORY APR PROMOTIONS ","Y-14"]
["3 - Cost of credit","33 (B)","AVERAGE BALANCE BY MONTH SINCE ORIGINATION ON GENERAL PURPOSE CARDS BY ORIGINATION CREDIT SCORE, PANEL B: WITHOUT INTRODUCTORY APR PROMOTIONS ","Y-14"]
["3 - Cost of credit",34,"SHARE OF GENERAL PURPOSE CREDIT CARD ACCOUNTS REVOLVING A BALANCE BY ORIGINATION CREDIT SCORE ","Y-14"]
["3 - Cost of credit",35,"AVERAGE INTEREST CHARGED TO GENERAL PURPOSE CREDIT CARDS IN THE FIRST THREE YEARS AFTER ORIGINATION BY ORIGINATION CREDIT SCORE ","Y-14"]
["3 - Cost of credit",36,"ANNUAL TOTAL FEES CHARGED ","Y-14+"]
["3 - Cost of credit",37,"ANNUAL FEE PREVALENCE, GENERAL PURPOSE ","Y-14"]
["3 - Cost of credit",38,"AVERAGE ANNUAL FEE, GENERAL PURPOSE ","Y-14"]
["3 - Cost of credit",39,"QUARTERLY LATE FEES CHARGED, 2024 ","Y-14+"]
["3 - Cost of credit",40,"AVERAGE LATE FEE INCIDENCE PER YEAR, 2024 ","Y-14+"]
["3 - Cost of credit",41,"ANNUAL OTHER FEES CHARGED ","Y-14+"]
["4 - Payments, debt, and collections",42,"QUARTERLY CREDIT CARD PAYMENT RATES ","Y-14+"]
["4 - Payments, debt, and collections",43,"PAYMENT RATE, 2024 ","Y-14+"]
["4 - Payments, debt, and collections",44,"ANNUAL SHARE OF ACCOUNTS BY PAYMENT AMOUNT ","Y-14"]
["4 - Payments, debt, and collections",45,"SHARE OF ACCOUNTS MAKING JUST THE MINIMUM PAYMENT DUE, 2024 ","Y-14+"]
["4 - Payments, debt, and collections",46,"AVERAGE MINIMUM PAYMENT DUE, REVOLVING ACCOUNTS, 2024 ","Y-14+"]
["4 - Payments, debt, and collections",47,"QUARTERLY SHARE OF ACTIVE ACCOUNTS REVOLVING ","Y-14+"]
["4 - Payments, debt, and collections",48,"QUARTERLY SHARE OF BALANCES REVOLVING ","Y-14+"]
["4 - Payments, debt, and collections",49,"QUARTERLY SHARE OF ACTIVE ACCOUNTS REVOLVING, GENERAL PURPOSE ","Y-14+"]
["4 - Payments, debt, and collections",50,"SHARE OF ACTIVE ACCOUNTS REVOLVING, 2024 ","Y-14+"]
["4 - Payments, debt, and collections",51,"ANNUAL SHARE OF ACCOUNTS IN PERSISTENT DEBT, GENERAL PURPOSE ","Y-14"]
["4 - Payments, debt, and collections",52,"MONTHLY SHARE OF BALANCES 60 OR MORE DAYS DELINQUENT ","CCIP"]
["4 - Payments, debt, and collections",53,"MONTHLY ANNUALIZED RATE OF BALANCES CHARGED OFF ","CCIP"]
["4 - Payments, debt, and collections",54,"DISTRIBUTION OF ORIGINAL CREDITOR TYPE AMONG THIRD-PARTY COLLECTIONS TRADELINES, 2024 ","CCIP"]
["4 - Payments, debt, and collections",55,"AVERAGE QUARTERLY PERFORMANCE FOR PRE-CHARGE-OFF COLLECTIONS, WEIGHTED BY ISSUER’S TOTAL RECEIVABLES ","MMI"]
["4 - Payments, debt, and collections",56,"QUARTERLY SHARE OF PRE-CHARGE-OFF BALANCES ENROLLED IN SETTLEMENT, WEIGHTED BY TOTAL ACCOUNTS RECEIVABLE ","MMI"]
["4 - Payments, debt, and collections",57,"QUARTERLY SHARE OF POST-CHARGE-OFF BALANCES ENROLLED IN SETTLEMENT, WEIGHTED BY TOTAL ACCOUNTS RECEIVABLE ","MMI"]
["4 - Payments, debt, and collections",58,"AVERAGE ENROLLED BALANCE BY CYCLES PAST DUE BY DIRECT SETTLEMENTS AND SETTLEMENTS WITH DSCS, 2024 ","MMI"]
["4 - Payments, debt, and collections",59,"AVERAGE FICO SCORE BY CYCLES PAST DUE BY DIRECT SETTLEMENTS AND SETTLEMENTS WITH DSCS, 2024 ","MMI"]
["4 - Payments, debt, and collections",60,"ANNUAL FRESH CHARGE-OFF BALANCES ","MMI"]
["4 - Payments, debt, and collections",61,"CUMULATIVE RECOVERY RATES FOR QUARTERLY VINTAGES BY MONTHS FOLLOWING CHARGE-OFF ","MMI"]
["4 - Payments, debt, and collections",62,"SHARE OF CHARGED-OFF BALANCE INVENTORY BY CHANNEL FOR ISSUERS THAT DID AND DID NOT SELL DEBT, 2023–2024 ","MMI"]
["4 - Payments, debt, and collections",63,"AVERAGE PRICE OF DEBT SOLD AS A PERCENTAGE OF ACCOUNT BALANCE BY TYPE OF DEBT SOLD ","MMI"]
["4 - Payments, debt, and collections",64,"CUMULATIVE RECOVERY RATES BY MONTHS SINCE JUDGMENT WAS RECEIVED, 2020–2024 ","MMI"]
["5 - Market dynamics",65,"NUMBER OF BANKS AND CREDIT UNIONS WITH CREDIT CARD BALANCES AT YEAR-END ","FFIEC, NCUA"]
["5 - Market dynamics",66,"ANNUAL MARKET SHARE BY AVERAGE CREDIT CARD BALANCES ","FFIEC, NCUA"]
["5 - Market dynamics",67,"CREDIT UNION CREDIT CARD BALANCES ","NCUA"]
["5 - Market dynamics",68,"CREDIT UNION CREDIT CARD ACCOUNTS ","NCUA"]
["5 - Market dynamics",69,"SHARE OF CREDIT CARD BALANCES BY ISSUER ASSET SIZE, YEAR-END 2024 ","Y-14, CCIP"]
["6 - Availability of credit",70,"MONTHLY MAIL VOLUME TRENDS BY CONSUMER CREDIT SCORE ","COMPETISCAN, MINTEL COMPEREMEDIA"]
["6 - Availability of credit",71,"APPLICATIONS SUBMITTED IN RESPONSE TO PRESCREENED OFFERS AS A SHARE OF TOTAL APPLICATIONS, GENERAL PURPOSE ","MMI"]
["6 - Availability of credit",72,"APPLICATIONS FACILITATED BY TPC SITES AS A SHARE OF TOTAL APPLICATIONS, GENERAL PURPOSE","MMI"]
["6 - Availability of credit",73,"APPLICATION VOLUME FOR MASS MARKET ISSUERS BY CREDIT SCORE TIER, GENERAL PURPOSE ","MMI"]
["6 - Availability of credit",74,"APPLICATION VOLUME FOR MASS MARKET ISSUERS BY CREDIT SCORE TIER, PRIVATE LABEL ","MMI"]
["6 - Availability of credit",75,"SHARE OF APPLICATIONS SUBMITTED BY MOBILE DEVICES ","MMI"]
["6 - Availability of credit",76,"APPROVAL RATE ","MMI"]
["6 - Availability of credit",77,"APPROVAL RATE BY CREDIT SCORE TIER, 2024 ","MMI"]
["6 - Availability of credit",78,"APPROVAL RATE BY APPLICATION CHANNEL, 2024 ","MMI"]
["6 - Availability of credit",79,"APPROVALS  BY APPLICATION CHANNEL, 2024 ","MMI"]
["6 - Availability of credit",80,"ANNUAL NEW ACCOUNTS, GENERAL PURPOSE ","CCIP"]
["6 - Availability of credit",81,"ANNUAL NEW ACCOUNTS, PRIVATE LABEL ","CCIP"]
["6 - Availability of credit",82,"MONTHLY TOTAL CREDIT LINE ON NEW ACCOUNTS ","CCIP"]
["6 - Availability of credit",83,"MONTHLY AVERAGE CREDIT LINE ON NEW ACCOUNTS, GENERAL PURPOSE ","CCIP"]
["6 - Availability of credit",84,"MONTHLY AVERAGE CREDIT LINE ON NEW ACCOUNTS, PRIVATE LABEL ","CCIP"]
["6 - Availability of credit",85,"AVERAGE APR ON NEW ACCOUNTS, GENERAL PURPOSE ","Y-14"]
["6 - Availability of credit",86,"AVERAGE APR MARGIN ON NEW ACCOUNTS, GENERAL PURPOSE ","Y-14"]
["6 - Availability of credit",87,"CREDIT LINE ON EXISTING ACCOUNTS ","CCIP"]
["6 - Availability of credit",88,"TOTAL CREDIT LINE ON EXISTING ACCOUNTS, GENERAL PURPOSE AND PRIVATE LABEL ","CCIP"]
["6 - Availability of credit",89,"AVERAGE CREDIT LINE PER CARDHOLDER ","CCIP"]
["6 - Availability of credit",90,"AVERAGE CREDIT LINE PER ACCOUNT, YEAR-END 2024 ","CCIP"]
["6 - Availability of credit",91,"AVERAGE UTILIZATION RATE BY CREDIT SCORE TIER, GENERAL PURPOSE ","CCIP"]
["6 - Availability of credit",92,"MONTHLY SHARE OF CARDHOLDERS WITH BELOW-PRIME CREDIT SCORES WITH AT LEAST 90 PERCENT UTILIZATION ACROSS ALL CARDS, GENERAL PURPOSE ","CCIP"]
["6 - Availability of credit",93,"MONTHLY CREDIT LINE INCREASE INCIDENCE, GENERAL PURPOSE ","CCIP"]
["6 - Availability of credit",94,"QUARTERLY PROACTIVE CREDIT LINE INCREASE INCIDENCE, GENERAL PURPOSE ","Y-14"]
["6 - Availability of credit",95,"MONTHLY CREDIT LINE DECREASE INCIDENCE, GENERAL PURPOSE ","CCIP"]
["6 - Availability of credit",96,"MONTHLY CREDIT LINE DECREASE INCIDENCE, PRIVATE LABEL ","CCIP"]
["6 - Availability of credit",97,"MONTHLY ACCOUNT CLOSURE INCIDENCE, GENERAL PURPOSE ","CCIP"]
["6 - Availability of credit",98,"MONTHLY ACCOUNT CLOSURE INCIDENCE, PRIVATE LABEL ","CCIP"]
["7 - Practices of credit card issuers",99,"ANNUAL SHARE OF PURCHASE VOLUME ON REWARDS CARDS, GENERAL PURPOSE","Y-14+"]
["7 - Practices of credit card issuers",100,"QUARTERLY DOLLAR VALUE OF AVERAGE REWARDS BALANCES, GENERAL PURPOSE ","MMI"]
["7 - Practices of credit card issuers",101,"SHARE OF ACCOUNTS BY TYPE OF REWARD, GENERAL PURPOSE ","Y-14+"]
["7 - Practices of credit card issuers",102,"DOLLAR VALUE OF REWARDS EARNED, GENERAL PURPOSE ","MMI"]
["7 - Practices of credit card issuers",103,"DOLLAR VALUE OF REWARDS REDEEMED, GENERAL PURPOSE ","MMI"]
["7 - Practices of credit card issuers",104,"QUARTERLY REWARDS FORFEITURE INCIDENCE, GENERAL PURPOSE ","MMI"]
["7 - Practices of credit card issuers",105,"AVERAGE DOLLAR VALUE OF REWARDS BONUS EARNED, GENERAL PURPOSE ","MMI"]
["7 - Practices of credit card issuers",106,"QUARTERLY REWARDS EARNED AS A SHARE OF PURCHASE VOLUME ON REWARDS CARDS, GENERAL PURPOSE ","MMI"]
["7 - Practices of credit card issuers",107,"QUARTERLY NUMBER OF NEW INSTALLMENT PLANS ","MMI"]
["7 - Practices of credit card issuers",108,"QUARTERLY AVERAGE AMOUNT APPLIED TO NEW INSTALLMENT PLANS ","MMI"]
["7 - Practices of credit card issuers",109,"NUMBER OF ACTIVE ACCOUNTS WITH DI PROMOTIONS ","MMI"]
["7 - Practices of credit card issuers",110,"SHARE OF ACCOUNTS WITH MULTIPLE DEFERRED INTEREST PROMOTIONS ","MMI"]
["7 - Practices of credit card issuers",111,"TOTAL PURCHASE VOLUME ON DEFERRED INTEREST PROMOTIONS ","MMI"]
["7 - Practices of credit card issuers",112,"TOTAL PURCHASE VOLUME ON DEFERRED INTEREST PROMOTIONS BY MERCHANT CATEGORY ","MMI"]
["7 - Practices of credit card issuers",113,"SHARE OF PROMOTIONAL SPENDING BY MERCHANT CATEGORY, 2024 ","MMI"]
["7 - Practices of credit card issuers",114,"TOTAL PURCHASE VOLUME ON DEFERRED INTEREST PROMOTIONS BY DURATION ","MMI"]
["7 - Practices of credit card issuers",115,"AVERAGE PURCHASE AMOUNT ON DEFERRED INTEREST PROMOTIONS ","MMI"]
["7 - Practices of credit card issuers",116,"BALANCE PAYOFF RATE ON DEFERRED INTEREST PROMOTIONS ","MMI"]
["7 - Practices of credit card issuers",117,"TOTAL DEFERRED INTEREST CHARGED ","MMI"]
["7 - Practices of credit card issuers",118,"DEFERRED INTEREST CHARGED AS A SHARE OF PROMOTIONAL PURCHASE AMOUNT FOR PROMOTIONS THAT INCURRED DEFERRED INTEREST ","MMI"]
["7 - Practices of credit card issuers",119,"DEFERRED INTEREST CHARGED AS A SHARE OF DEFERRED INTEREST PURCHASES ENDED EACH YEAR ","MMI"]
["7 - Practices of credit card issuers",120,"DEFERRED INTEREST PROMOTION SPENDING AND DEFERRED INTEREST CHARGED AS A PERCENT OF TOTAL BY CONSUMER CREDIT SCORE, 2021–2024 ","MMI"]
["7 - Practices of credit card issuers",121,"DI ACCOUNTS RECEIVING ONLY PAPERLESS STATEMENTS ","MMI"]
["7 - Practices of credit card issuers",122,"QUARTERLY DOLLAR AMOUNT OF BALANCE TRANSFERS, GENERAL PURPOSE ","Y-14+"]
["7 - Practices of credit card issuers",123,"QUARTERLY BALANCE TRANSFER INCIDENCE, GENERAL PURPOSE ","Y-14+"]
["7 - Practices of credit card issuers",124,"QUARTERLY DOLLAR AMOUNT OF CASH ADVANCE TRANSACTIONS, GENERAL PURPOSE ","Y-14+"]
["7 - Practices of credit card issuers",125,"QUARTERLY CASH ADVANCE INCIDENCE, GENERAL PURPOSE ","Y-14+"]
["7 - Practices of credit card issuers",126,"SHARE OF ACTIVE ACCOUNTS ENROLLED IN PAPERLESS STATEMENTS BY CREDIT SCORE ","MMI"]
["7 - Practices of credit card issuers",127,"SHARE OF ACTIVE ACCOUNTS ENROLLED IN ONLINE PORTAL, MOBILE APPS, AND RECEIVING ONLY E-STATEMENTS, GENERAL PURPOSE ","MMI"]
["7 - Practices of credit card issuers",128,"SHARE OF ACTIVE ACCOUNTS ENROLLED IN MOBILE APPS BY AGE, GENERAL PURPOSE ","MMI"]
["7 - Practices of credit card issuers",129,"SHARE OF ACTIVE ACCOUNTS THAT MADE A PAYMENT IN THE LAST CYCLE OF THE YEAR BY PAYMENT METHOD, GENERAL PURPOSE ","MMI"]
["7 - Practices of credit card issuers",130,"SHARE OF ACTIVE PAYMENT-MAKING ACCOUNTS THAT MADE AT LEAST ONE AUTOMATIC PAYMENT IN THE LAST CYCLE OF THE YEAR BY AGE, GENERAL PURPOSE ","MMI"]
["7 - Practices of credit card issuers",131,"SHARE OF ACTIVE PAYMENT-MAKING ACCOUNTS THAT MADE AT LEAST ONE PAPER PAYMENT IN THE LAST CYCLE OF THE YEAR BY AGE, GENERAL PURPOSE ","MMI"]
["7 - Practices of credit card issuers",132,"QUARTERLY DISPUTE AND CHARGEBACK VOLUME AS A PERCENTAGE OF PURCHASE VOLUME ","MMI, Y-14"]
["7 - Practices of credit card issuers",133,"ANNUAL CHARGEBACK DOLLAR AMOUNT AS A SHARE OF DISPUTED PURCHASE VOLUME, 2024 ","MMI"]
["7 - Practices of credit card issuers",134,"AVERAGE CHARGEBACK AMOUNT, 2024 ","MMI"]
["7 - Practices of credit card issuers",135,"PERCENT OF TOTAL DISPUTES BY DISPUTE CATEGORY, 2024 ","MMI"]
["7 - Practices of credit card issuers",136,"SHARE OF ACTIVE ACCOUNTS OPTED OUT OF INFORMATION SHARING BY AGE, GENERAL PURPOSE, 2024 ","MMI"]
["Appendix A - Supporting figures",137,"MONTHLY CYCLE-ENDING BALANCES, NOMINAL AND INFLATION-ADJUSTED","CCIP, BLS"]

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["Section 2 - Use of credit"]
[]
[]
["Figure 1"]
["MONTHLY SHARE OF CONSUMERS WITH BELOW-PRIME SCORES WITH AT LEAST ONE CREDIT CARD (CCIP)"]
["Date","Near-prime","Subprime","Deep subprime"]
["2014-01-29",0.91349999999999998,0.80089999999999995,0.73529999999999995]
["2014-02-26",0.91369999999999996,0.80159999999999998,0.73150000000000004]
["2014-03-29",0.91269999999999996,0.7984,0.74109999999999998]
["2014-04-30",0.91369999999999996,0.80149999999999999,0.73860000000000003]
["2014-05-31",0.91439999999999999,0.80410000000000004,0.73750000000000004]
["2014-06-28",0.91469999999999996,0.80359999999999998,0.7429]
["2014-07-30",0.91600000000000004,0.80569999999999997,0.73970000000000002]
["2014-08-30",0.91620000000000001,0.80740000000000001,0.73619999999999997]
["2014-09-27",0.91510000000000002,0.80669999999999997,0.74309999999999998]
["2014-10-29",0.91590000000000005,0.80889999999999995,0.73799999999999999]
["2014-11-29",0.91649999999999998,0.8115,0.73640000000000005]
["2014-12-31",0.91739999999999999,0.81330000000000002,0.74509999999999998]
["2015-01-31",0.91849999999999998,0.8165,0.74309999999999998]
["2015-02-28",0.91900000000000004,0.81879999999999997,0.74029999999999996]
["2015-03-28",0.91710000000000003,0.81200000000000006,0.7429]
["2015-04-29",0.91830000000000001,0.81479999999999997,0.73909999999999998]
["2015-05-30",0.91910000000000003,0.81830000000000003,0.73860000000000003]
["2015-06-27",0.91839999999999999,0.8175,0.74780000000000002]
["2015-07-29",0.91959999999999997,0.82150000000000001,0.74760000000000004]
["2015-08-29",0.92030000000000001,0.82389999999999997,0.74319999999999997]
["2015-09-30",0.92059999999999997,0.82530000000000003,0.76029999999999998]
["2015-10-31",0.92210000000000003,0.82840000000000003,0.75680000000000003]
["2015-11-28",0.92310000000000003,0.83089999999999997,0.75519999999999998]
["2015-12-30",0.92369999999999997,0.83379999999999999,0.77280000000000004]
["2016-01-30",0.9254,0.83899999999999997,0.77849999999999997]
["2016-02-27",0.92579999999999996,0.84089999999999998,0.77569999999999995]
["2016-03-30",0.92230000000000001,0.83550000000000002,0.78259999999999996]
["2016-04-30",0.92349999999999999,0.83819999999999995,0.77939999999999998]
["2016-05-28",0.92400000000000004,0.84050000000000002,0.77749999999999997]
["2016-06-29",0.92420000000000002,0.84089999999999998,0.78759999999999997]
["2016-07-30",0.92490000000000006,0.84370000000000001,0.78600000000000003]
["2016-08-31",0.92589999999999995,0.84540000000000004,0.78180000000000005]
["2016-09-28",0.9254,0.84609999999999996,0.79149999999999998]
["2016-10-29",0.92559999999999998,0.84630000000000005,0.78369999999999995]
["2016-11-30",0.92620000000000002,0.84819999999999995,0.77910000000000001]
["2016-12-31",0.92610000000000003,0.84919999999999995,0.79469999999999996]
["2017-01-28",0.92679999999999996,0.85060000000000002,0.79049999999999998]
["2017-02-25",0.92679999999999996,0.8518,0.7883]
["2017-03-29",0.9254,0.8498,0.79200000000000004]
["2017-04-29",0.9264,0.8518,0.78869999999999996]
["2017-05-31",0.92669999999999997,0.85289999999999999,0.7883]
["2017-06-28",0.92549999999999999,0.85,0.79520000000000002]
["2017-07-29",0.92620000000000002,0.85140000000000005,0.79120000000000001]
["2017-08-30",0.92689999999999995,0.85299999999999998,0.78910000000000002]
["2017-09-30",0.92710000000000004,0.8498,0.79910000000000003]
["2017-10-28",0.92989999999999995,0.85550000000000004,0.80079999999999996]
["2017-11-29",0.92949999999999999,0.85650000000000004,0.79879999999999995]
["2017-12-30",0.92859999999999998,0.85589999999999999,0.80810000000000004]
["2018-01-31",0.93049999999999999,0.85870000000000002,0.80569999999999997]
["2018-02-28",0.93030000000000002,0.85909999999999997,0.80349999999999999]
["2018-03-31",0.92949999999999999,0.85470000000000002,0.80769999999999997]
["2018-04-28",0.93049999999999999,0.85589999999999999,0.8054]
["2018-05-30",0.9284,0.8538,0.8004]
["2018-06-30",0.9284,0.85419999999999996,0.80679999999999996]
["2018-07-28",0.92820000000000003,0.85460000000000003,0.80259999999999998]
["2018-08-29",0.92910000000000004,0.85619999999999996,0.80020000000000002]
["2018-09-29",0.9294,0.86129999999999995,0.81230000000000002]
["2018-10-31",0.93100000000000005,0.8639,0.81089999999999995]
["2018-11-28",0.92959999999999998,0.86209999999999998,0.80779999999999996]
["2018-12-29",0.93200000000000005,0.86819999999999997,0.81940000000000002]
["2019-01-30",0.93220000000000003,0.86880000000000002,0.81599999999999995]
["2019-02-27",0.93159999999999998,0.86780000000000002,0.81210000000000004]
["2019-03-30",0.93089999999999995,0.86380000000000001,0.81840000000000002]
["2019-04-27",0.93189999999999995,0.86560000000000004,0.81530000000000002]
["2019-05-29",0.93179999999999996,0.86660000000000004,0.81469999999999998]
["2019-06-29",0.93269999999999997,0.86939999999999995,0.82140000000000002]
["2019-07-31",0.93320000000000003,0.871,0.81840000000000002]
["2019-08-31",0.93379999999999996,0.87239999999999995,0.81420000000000003]
["2019-09-28",0.9345,0.87439999999999996,0.82550000000000001]
["2019-10-30",0.93610000000000004,0.87790000000000001,0.82379999999999998]
["2019-11-30",0.93589999999999995,0.87939999999999996,0.82340000000000002]
["2019-12-28",0.93700000000000006,0.88260000000000005,0.83489999999999998]
["2020-01-29",0.93789999999999996,0.88390000000000002,0.83789999999999998]
["2020-02-29",0.93730000000000002,0.88239999999999996,0.83699999999999997]
["2020-03-28",0.93759999999999999,0.88290000000000002,0.8367]
["2020-04-29",0.93640000000000001,0.88019999999999998,0.83630000000000004]
["2020-05-30",0.93389999999999995,0.87339999999999995,0.8306]
["2020-06-27",0.93269999999999997,0.87029999999999996,0.82779999999999998]
["2020-07-29",0.93220000000000003,0.86950000000000005,0.83009999999999995]
["2020-08-29",0.93079999999999996,0.86639999999999995,0.82550000000000001]
["2020-09-30",0.93079999999999996,0.86799999999999999,0.82630000000000003]
["2020-10-31",0.92920000000000003,0.86539999999999995,0.82599999999999996]
["2020-11-28",0.92910000000000004,0.86599999999999999,0.82840000000000003]
["2020-12-30",0.92959999999999998,0.872,0.84260000000000002]
["2021-01-30",0.92969999999999997,0.87280000000000002,0.84189999999999998]
["2021-02-27",0.92910000000000004,0.87250000000000005,0.84399999999999997]
["2021-03-31",0.9284,0.86980000000000002,0.83940000000000003]
["2021-04-28",0.92879999999999996,0.86990000000000001,0.84]
["2021-05-29",0.92979999999999996,0.87009999999999998,0.83789999999999998]
["2021-06-30",0.93110000000000004,0.87250000000000005,0.84340000000000004]
["2021-07-31",0.93169999999999997,0.87570000000000003,0.84760000000000002]
["2021-08-28",0.93230000000000002,0.87690000000000001,0.8468]
["2021-09-29",0.93330000000000002,0.87960000000000005,0.85029999999999994]
["2021-10-30",0.93430000000000002,0.88100000000000001,0.85309999999999997]
["2021-11-27",0.9345,0.88200000000000001,0.85489999999999999]
["2021-12-29",0.93569999999999998,0.88600000000000001,0.85950000000000004]
["2022-01-29",0.93640000000000001,0.88759999999999994,0.8619]
["2022-02-26",0.93640000000000001,0.88780000000000003,0.86460000000000004]
["2022-03-30",0.93720000000000003,0.88819999999999999,0.86480000000000001]
["2022-04-30",0.93799999999999994,0.88990000000000002,0.86699999999999999]
["2022-05-28",0.9385,0.89100000000000001,0.87160000000000004]
["2022-06-29",0.93899999999999995,0.89319999999999999,0.87519999999999998]
["2022-07-30",0.9395,0.89480000000000004,0.87829999999999997]
["2022-08-31",0.93989999999999996,0.89729999999999999,0.88060000000000005]
["2022-09-28",0.94069999999999998,0.89810000000000001,0.88149999999999995]
["2022-10-29",0.94110000000000005,0.89949999999999997,0.88480000000000003]
["2022-11-30",0.94159999999999999,0.90039999999999998,0.88660000000000005]
["2022-12-31",0.94089999999999996,0.89749999999999996,0.89190000000000003]
["2023-01-28",0.94169999999999998,0.8982,0.89429999999999998]
["2023-02-25",0.94120000000000004,0.89790000000000003,0.8962]
["2023-03-29",0.93969999999999998,0.89690000000000003,0.89749999999999996]
["2023-04-29",0.94,0.89859999999999995,0.89980000000000004]
["2023-05-31",0.94,0.89880000000000004,0.90090000000000003]
["2023-06-28",0.94020000000000004,0.89929999999999999,0.90349999999999997]
["2023-07-29",0.94010000000000005,0.90039999999999998,0.90549999999999997]
["2023-08-30",0.94010000000000005,0.90259999999999996,0.90610000000000002]
["2023-09-30",0.94040000000000001,0.90329999999999999,0.90700000000000003]
["2023-10-28",0.94010000000000005,0.90339999999999998,0.90720000000000001]
["2023-11-29",0.94020000000000004,0.90390000000000004,0.9083]
["2023-12-30",0.94099999999999995,0.90600000000000003,0.91020000000000001]
["2024-01-31",0.94059999999999999,0.90610000000000002,0.9123]
["2024-02-28",0.94010000000000005,0.90590000000000004,0.91310000000000002]
["2024-03-30",0.93940000000000001,0.90559999999999996,0.91169999999999995]
["2024-04-27",0.93899999999999995,0.90549999999999997,0.91190000000000004]
["2024-05-29",0.93779999999999997,0.90459999999999996,0.9113]
["2024-06-29",0.93799999999999994,0.90429999999999999,0.91169999999999995]
["2024-07-31",0.93830000000000002,0.90390000000000004,0.9123]
[]
["Figure 2"]
["SHARE OF ADULTS WITH AT LEAST ONE CREDIT CARD, BY AGE (CCIP, CENSUS BUREAU)"]
["Year","Under 25","25 to 64","65 and above"]
[2014,0.26429999999999998,0.71089999999999998,0.80840000000000001]
[2015,0.28189999999999998,0.7167,0.81369999999999998]
[2016,0.30080000000000001,0.72960000000000003,0.8226]
[2017,0.31409999999999999,0.74109999999999998,0.82909999999999995]
[2018,0.32019999999999998,0.75049999999999994,0.83730000000000004]
[2019,0.32479999999999998,0.75900000000000001,0.83730000000000004]
[2020,0.33100000000000002,0.76249999999999996,0.8599]
[2021,0.33179999999999998,0.77190000000000003,0.86119999999999997]
[2022,0.35310000000000002,0.78959999999999997,0.86760000000000004]
[2023,0.3715,0.80179999999999996,0.87129999999999996]
[2024,0.37940000000000002,0.80710000000000004,0.87339999999999995]
[]
["Figure 3"]
["CREDIT CARD CONSUMERS, YEAR-END 2023 (CCIP)"]
["Credit score tier","General purpose","Private label"]
["Superprime",50494000,27223000]
["Prime plus",69293000,34946000]
["Prime",29112000,17274000]
["Near-prime",13981000,8274000]
["Subprime",10611000,5813000]
["Deep subprime",21330000,10460000]
[]
["Figure 4"]
["SHARE OF SCORED CONSUMERS BY NUMBER OF CREDIT CARD ACCOUNTS BY CREDIT SCORE TIER, YEAR-END 2023 (CCIP)"]
["Credit score tier","1","2","3+","None"]
["Overall",0.22720000000000001,0.18529999999999999,0.53669999999999995,5.0799999999999998E-2]
["Superprime",0.1575,0.19719999999999999,0.63890000000000002,6.4000000000000003E-3]
["Prime plus",0.2636,0.19020000000000001,0.48880000000000001,5.7500000000000002E-2]
["Prime",0.20050000000000001,0.16259999999999999,0.58330000000000004,5.3499999999999999E-2]
["Near-prime",0.2021,0.1673,0.5716,5.8999999999999997E-2]
["Subprime",0.2475,0.17710000000000001,0.48139999999999999,9.4E-2]
["Deep subprime",0.29649999999999999,0.19009999999999999,0.42370000000000002,8.9800000000000005E-2]
[]
["Figure 5"]
["MONTHLY NUMBER OF OPEN CREDIT CARD ACCOUNTS (CCIP)"]
["Date","General purpose","Private label"]
["2014-01-29",396197000,270460000]
["2014-02-26",396354000,269733000]
["2014-03-29",398079000,270621000]
["2014-04-30",398688000,270603000]
["2014-05-31",401063000,271135000]
["2014-06-28",401890000,270266000]
["2014-07-30",403364000,271343000]
["2014-08-30",403423000,270793000]
["2014-09-27",405216000,268731000]
["2014-10-29",404577000,267437000]
["2014-11-29",406072000,268261000]
["2014-12-31",407874000,271951000]
["2015-01-31",409008000,272942000]
["2015-02-28",409077000,272037000]
["2015-03-28",410491000,272715000]
["2015-04-29",410560000,272848000]
["2015-05-30",411655000,274979000]
["2015-06-27",396937000,291889000]
["2015-07-29",398173000,293085000]
["2015-08-29",399419000,292855000]
["2015-09-30",404894000,283562000]
["2015-10-31",407912000,282347000]
["2015-11-28",411729000,281437000]
["2015-12-30",415174000,283864000]
["2016-01-30",415784000,284696000]
["2016-02-27",416511000,284643000]
["2016-03-30",418755000,285691000]
["2016-04-30",420050000,285567000]
["2016-05-28",422349000,284734000]
["2016-06-29",425662000,285178000]
["2016-07-30",421446000,284976000]
["2016-08-31",423522000,285257000]
["2016-09-28",429720000,286340000]
["2016-10-29",431264000,285454000]
["2016-11-30",433316000,284676000]
["2016-12-31",436208000,286584000]
["2017-01-28",436960000,285337000]
["2017-02-25",436839000,284833000]
["2017-03-29",436289000,287916000]
["2017-04-29",437539000,288041000]
["2017-05-31",439232000,288759000]
["2017-06-28",440549000,289429000]
["2017-07-29",441086000,289474000]
["2017-08-30",442699000,289518000]
["2017-09-30",445855000,289485000]
["2017-10-28",446018000,289351000]
["2017-11-29",447401000,288711000]
["2017-12-30",449696000,289649000]
["2018-01-31",450478000,290289000]
["2018-02-28",448587000,289869000]
["2018-03-31",449056000,290116000]
["2018-04-28",450079000,284194000]
["2018-05-30",450823000,272823000]
["2018-06-30",451983000,273931000]
["2018-07-28",452885000,269809000]
["2018-08-29",454304000,269709000]
["2018-09-29",458044000,270044000]
["2018-10-31",459528000,268642000]
["2018-11-28",461229000,262552000]
["2018-12-29",463386000,264797000]
["2019-01-30",464652000,263582000]
["2019-02-27",465136000,258842000]
["2019-03-30",468613000,256588000]
["2019-04-27",469979000,254916000]
["2019-05-29",471364000,252685000]
["2019-06-29",472914000,253420000]
["2019-07-31",473312000,254129000]
["2019-08-31",473867000,252279000]
["2019-09-28",476331000,253111000]
["2019-10-30",485975000,250749000]
["2019-11-30",484570000,248611000]
["2019-12-28",488197000,250855000]
["2020-01-29",489559000,251259000]
["2020-02-29",490645000,249486000]
["2020-03-28",491650000,250447000]
["2020-04-29",491215000,248376000]
["2020-05-30",488115000,240309000]
["2020-06-27",486714000,239702000]
["2020-07-29",488724000,239644000]
["2020-08-29",487800000,236401000]
["2020-09-30",488962000,235899000]
["2020-10-31",488116000,235109000]
["2020-11-28",489120000,231702000]
["2020-12-30",490653000,231145000]
["2021-01-30",491692000,229631000]
["2021-02-27",491675000,228599000]
["2021-03-31",492272000,227793000]
["2021-04-28",494243000,227979000]
["2021-05-29",496514000,227838000]
["2021-06-30",499710000,228911000]
["2021-07-31",502410000,229148000]
["2021-08-28",503839000,228666000]
["2021-09-29",508080000,228020000]
["2021-10-30",511296000,228002000]
["2021-11-27",514432000,227101000]
["2021-12-29",518099000,228890000]
["2022-01-29",521083000,229220000]
["2022-02-26",522463000,227437000]
["2022-03-30",524654000,227320000]
["2022-04-30",528058000,228021000]
["2022-05-28",530715000,227653000]
["2022-06-29",538432000,224802000]
["2022-07-30",542191000,224944000]
["2022-08-31",545375000,224679000]
["2022-09-28",548225000,224085000]
["2022-10-29",550831000,224056000]
["2022-11-30",553817000,223843000]
["2022-12-31",556845000,226127000]
["2023-01-28",558954000,225984000]
["2023-02-25",560823000,224599000]
["2023-03-29",562564000,224276000]
["2023-04-29",565299000,224443000]
["2023-05-31",567074000,222506000]
["2023-06-28",569644000,222086000]
["2023-07-29",572977000,220981000]
["2023-08-30",575518000,218684000]
["2023-09-30",576884000,217595000]
["2023-10-28",577961000,216922000]
["2023-11-29",580499000,216324000]
["2023-12-30",583210000,216864000]
["2024-01-31",584125000,216091000]
["2024-02-28",584755000,214277000]
["2024-03-30",584921000,213531000]
["2024-04-27",586235000,212317000]
["2024-05-29",586815000,207203000]
["2024-06-29",588197000,205459000]
["2024-07-31",589267000,204046000]
["2024-08-31",589663000,201334000]
["2024-09-28",589599000,200455000]
["2024-10-30",603378000,187643000]
["2024-11-30",606113000,185014000]
["2024-12-28",607743000,185125000]
[]
["Figure 6"]
["QUARTERLY PURCHASE VOLUME (Y-14+)"]
["Quarter","Purchase volume"]
["2015Q1",372274000000]
["2015Q2",415187000000]
["2015Q3",422440000000]
["2015Q4",438202000000]
["2016Q1",406230000000]
["2016Q2",444477000000]
["2016Q3",456776000000]
["2016Q4",483820000000]
["2017Q1",448221000000]
["2017Q2",496896000000]
["2017Q3",502461000000]
["2017Q4",530177000000]
["2018Q1",493500000000]
["2018Q2",544484000000]
["2018Q3",555379000000]
["2018Q4",577832000000]
["2019Q1",526840000000]
["2019Q2",587997000000]
["2019Q3",590019000000]
["2019Q4",613553000000]
["2020Q1",560549000000]
["2020Q2",447322000000]
["2020Q3",544425000000]
["2020Q4",597177000000]
["2021Q1",559570000000]
["2021Q2",678305000000]
["2021Q3",709925000000]
["2021Q4",769095000000]
["2022Q1",709169000000]
["2022Q2",814041000000]
["2022Q3",820134000000]
["2022Q4",846059000000]
["2023Q1",782804000000]
["2023Q2",863766000000]
["2023Q3",868971000000]
["2023Q4",888356000000]
["2024Q1",828549000000]
["2024Q2",900531000000]
["2024Q3",895123000000]
["2024Q4",933792000000]
[]
["Figure 7"]
["QUARTERLY PURCHASE VOLUME, GENERAL PURPOSE AND PRIVATE LABEL (Y-14+)"]
["Quarter","General purpose","Private label"]
["2015Q1",341633000000,30641000000]
["2015Q2",378607000000,36580000000]
["2015Q3",387727000000,34713000000]
["2015Q4",396225000000,41976000000]
["2016Q1",372725000000,33505000000]
["2016Q2",406725000000,37752000000]
["2016Q3",419712000000,37064000000]
["2016Q4",439851000000,43969000000]
["2017Q1",414301000000,33920000000]
["2017Q2",458203000000,38693000000]
["2017Q3",465161000000,37300000000]
["2017Q4",486585000000,43592000000]
["2018Q1",460815000000,32685000000]
["2018Q2",506282000000,38202000000]
["2018Q3",515865000000,39513000000]
["2018Q4",531936000000,45895000000]
["2019Q1",492583000000,34257000000]
["2019Q2",548062000000,39935000000]
["2019Q3",550293000000,39727000000]
["2019Q4",568459000000,45094000000]
["2020Q1",525048000000,35501000000]
["2020Q2",415335000000,31987000000]
["2020Q3",506260000000,38165000000]
["2020Q4",553923000000,43254000000]
["2021Q1",524313000000,35257000000]
["2021Q2",635468000000,42837000000]
["2021Q3",667542000000,42384000000]
["2021Q4",719995000000,49100000000]
["2022Q1",670499000000,38670000000]
["2022Q2",768150000000,45891000000]
["2022Q3",774630000000,45504000000]
["2022Q4",795727000000,50332000000]
["2023Q1",743016000000,39787000000]
["2023Q2",818571000000,45195000000]
["2023Q3",825007000000,43965000000]
["2023Q4",840648000000,47708000000]
["2024Q1",790960000000,37589000000]
["2024Q2",858047000000,42483000000]
["2024Q3",854940000000,40182000000]
["2024Q4",891068000000,42724000000]
[]
["Figure 8"]
["AVERAGE ANNUAL PURCHASE VOLUME PER ACCOUNT, GENERAL PURPOSE AND PRIVATE LABEL, 2024 (Y-14+)"]
["Credit score tier","General purpose","Private label"]
["Deep subprime",1093,265.49]
["Subprime",1831,565.6]
["Near-prime",2927,915.22]
["Prime",5499,1328]
["Prime plus",10654,1669]
["Superprime",13215,1465]
[]
["Figure 9"]
["QUARTERLY YEAR-OVER-YEAR PERCENT CHANGE IN PURCHASE VOLUME (MMI)"]
["Quarter","Superprime and prime plus","Prime and below","Overall"]
["2020Q1",4.24E-2,2.0400000000000001E-2,3.8199999999999998E-2]
["2020Q2",-0.22459999999999999,-0.2412,-0.2278]
["2020Q3",-5.7000000000000002E-2,-0.14929999999999999,-7.5399999999999995E-2]
["2020Q4",-1.54E-2,-0.1016,-3.2000000000000001E-2]
["2021Q1",4.41E-2,-4.99E-2,2.6200000000000001E-2]
["2021Q2",0.52900000000000003,0.38059999999999999,0.50090000000000001]
["2021Q3",0.29959999999999998,0.27429999999999999,0.29499999999999998]
["2021Q4",0.28299999999999997,0.3009,0.28620000000000001]
["2022Q1",0.27450000000000002,0.28360000000000002,0.27610000000000001]
["2022Q2",0.18990000000000001,0.16700000000000001,0.18590000000000001]
["2022Q3",0.1547,0.1045,0.14560000000000001]
["2022Q4",9.9400000000000002E-2,3.2199999999999999E-2,8.7300000000000003E-2]
["2023Q1",0.1042,4.6699999999999998E-2,9.4E-2]
["2023Q2",7.3999999999999996E-2,2.4299999999999999E-2,6.5500000000000003E-2]
["2023Q3",7.3300000000000004E-2,9.1999999999999998E-3,6.2100000000000002E-2]
["2023Q4",6.7000000000000004E-2,-1.1900000000000001E-2,5.3499999999999999E-2]
["2024Q1",7.5800000000000006E-2,-1.6E-2,6.0199999999999997E-2]
["2024Q2",5.8599999999999999E-2,-1.6799999999999999E-2,4.6199999999999998E-2]
["2024Q3",5.0900000000000001E-2,-1.78E-2,3.95E-2]
["2024Q4",7.0800000000000002E-2,1.1999999999999999E-3,5.96E-2]
[]
["Figure 10"]
["SHARE OF TRANSACTIONS BY MERCHANT CATEGORY, 2024 (MMI)"]
["Merchant category","Superprime and prime plus","Prime and below"]
["Restaurants",0.1968,0.20710000000000001]
["Retailers",0.1993,0.19320000000000001]
["Gas",8.5599999999999996E-2,0.12]
["Food, grocery",0.13550000000000001,0.1186]
["Professional & financial svcs",9.7100000000000006E-2,9.4799999999999995E-2]
["Transport, travel svcs",5.0900000000000001E-2,5.4399999999999997E-2]
["Merchandise, apparel",4.58E-2,4.8599999999999997E-2]
["Communications",3.3799999999999997E-2,3.5000000000000003E-2]
["Wholesale clubs, discount",3.9699999999999999E-2,3.4099999999999998E-2]
["Entertainment",3.2500000000000001E-2,3.09E-2]
["Healthcare",3.6900000000000002E-2,2.75E-2]
["Gov., ed., member orgs",2.75E-2,1.9599999999999999E-2]
["Hotels, lodging",8.6E-3,8.0000000000000002E-3]
["Airlines",9.1999999999999998E-3,7.1999999999999998E-3]
["Gambling",5.9999999999999995E-4,1E-3]
[]
["Figure 11"]
["AVERAGE TRANSACTION SIZE BY MERCHANT CATEGORY, 2024 (MMI)"]
["Merchant category","Superprime and prime plus","Prime and below"]
["Restaurants",35.409999999999997,30.14]
["Retailers",82.53,72.81]
["Gas",33.56,27.69]
["Food, grocery",52.59,49]
["Professional & financial svcs",149.12,121.44]
["Transport, travel svcs",103.99,81.94]
["Merchandise, apparel",91.07,82.97]
["Communications",57.56,51.86]
["Wholesale clubs, discount",95.79,87.16]
["Entertainment",110.28,86.42]
["Healthcare",119.77,100.78]
["Gov., ed., member orgs",138.81,129.26]
["Hotels, lodging",377.99,280.37]
["Airlines",336.03,286.61]
["Gambling",86.37,86.91]
[]
["Figure 12"]
["PURCHASE VOLUME BY MERCHANT CATEGORY, 2024 (MMI)"]
["Merchant category","Purchase volume"]
["Restaurants",317049000000]
["Retailers",742752000000]
["Gas",137089000000]
["Food, grocery",319362000000]
["Professional & financial svcs",646378000000]
["Transport, travel svcs",238364000000]
["Merchandise, apparel",192393000000]
["Communications",89189000000]
["Wholesale clubs, discount",169472000000]
["Entertainment",158545000000]
["Healthcare",191036000000]
["Gov., ed., member orgs",166067000000]
["Hotels, lodging",142427000000]
["Airlines",134975000000]
["Gambling",2677000000]
[]
["Figure 13"]
["PERCENTAGE OF CREDIT CARD SPENDING BY MERCHANT CATEGORY (MMI)"]
["Quarter","Retailers","Food, grocery","Hotels, lodging","Restaurants","Airlines"]
["2019Q1",0.1852,8.8999999999999996E-2,4.6899999999999997E-2,7.9799999999999996E-2,4.82E-2]
["2019Q2",0.20039999999999999,8.6900000000000005E-2,4.7600000000000003E-2,8.1500000000000003E-2,4.3099999999999999E-2]
["2019Q3",0.20019999999999999,8.6900000000000005E-2,5.0200000000000002E-2,8.4400000000000003E-2,0.04]
["2019Q4",0.2167,8.9099999999999999E-2,4.2700000000000002E-2,7.8E-2,3.6400000000000002E-2]
["2020Q1",0.2006,0.1027,4.0399999999999998E-2,7.5800000000000006E-2,3.7499999999999999E-2]
["2020Q2",0.2838,0.1323,1.37E-2,5.1499999999999997E-2,2.2000000000000001E-3]
["2020Q3",0.2641,0.1082,2.5999999999999999E-2,6.6600000000000006E-2,6.7000000000000002E-3]
["2020Q4",0.27700000000000002,0.10630000000000001,2.18E-2,6.1600000000000002E-2,9.7000000000000003E-3]
["2021Q1",0.25019999999999998,0.1024,3.0800000000000001E-2,6.7000000000000004E-2,1.6199999999999999E-2]
["2021Q2",0.24329999999999999,8.9899999999999994E-2,3.8399999999999997E-2,7.7499999999999999E-2,2.6200000000000001E-2]
["2021Q3",0.2283,8.9700000000000002E-2,4.3999999999999997E-2,8.4000000000000005E-2,2.3900000000000001E-2]
["2021Q4",0.24129999999999999,8.9800000000000005E-2,3.7699999999999997E-2,7.6999999999999999E-2,2.4799999999999999E-2]
["2022Q1",0.21510000000000001,8.9599999999999999E-2,4.4200000000000003E-2,7.8799999999999995E-2,3.4700000000000002E-2]
["2022Q2",0.21709999999999999,8.5099999999999995E-2,4.5900000000000003E-2,8.2900000000000001E-2,3.7699999999999997E-2]
["2022Q3",0.21560000000000001,8.7599999999999997E-2,4.3299999999999998E-2,8.6300000000000002E-2,3.3599999999999998E-2]
["2022Q4",0.22850000000000001,9.0999999999999998E-2,3.6299999999999999E-2,8.1000000000000003E-2,3.1399999999999997E-2]
["2023Q1",0.19950000000000001,8.7599999999999997E-2,4.0500000000000001E-2,8.4699999999999998E-2,4.3900000000000002E-2]
["2023Q2",0.20860000000000001,8.5800000000000001E-2,4.1700000000000001E-2,8.72E-2,3.8300000000000001E-2]
["2023Q3",0.20630000000000001,8.7599999999999997E-2,4.2200000000000001E-2,8.8599999999999998E-2,3.4599999999999999E-2]
["2023Q4",0.22220000000000001,9.0399999999999994E-2,3.5700000000000003E-2,8.3299999999999999E-2,3.09E-2]
["2024Q1",0.19209999999999999,8.8200000000000001E-2,3.9300000000000002E-2,8.5800000000000001E-2,4.41E-2]
["2024Q2",0.2021,8.48E-2,4.07E-2,8.8200000000000001E-2,3.7499999999999999E-2]
["2024Q3",0.20050000000000001,8.7800000000000003E-2,4.1300000000000003E-2,8.9800000000000005E-2,3.4599999999999999E-2]
["2024Q4",0.21809999999999999,8.9300000000000004E-2,3.5099999999999999E-2,8.3900000000000002E-2,3.2500000000000001E-2]
[]
["Figure 14"]
["QUARTERLY YEAR-OVER-YEAR GROWTH RATE OF CYCLE-ENDING BALANCES AND PURCHASE VOLUME (Y-14+)"]
["Year","Purchase volume","Cycle-ending balance"]
["2016Q1",9.1200000000000003E-2,6.9800000000000001E-2]
["2016Q2",7.0499999999999993E-2,6.54E-2]
["2016Q3",8.1299999999999997E-2,7.6700000000000004E-2]
["2016Q4",0.1041,8.4599999999999995E-2]
["2017Q1",0.10340000000000001,7.85E-2]
["2017Q2",0.1179,7.9899999999999999E-2]
["2017Q3",0.1,7.1999999999999995E-2]
["2017Q4",9.5799999999999996E-2,6.9099999999999995E-2]
["2018Q1",0.10100000000000001,6.4000000000000001E-2]
["2018Q2",9.5799999999999996E-2,5.11E-2]
["2018Q3",0.1053,5.67E-2]
["2018Q4",8.9899999999999994E-2,4.9500000000000002E-2]
["2019Q1",6.7599999999999993E-2,5.11E-2]
["2019Q2",7.9899999999999999E-2,5.8999999999999997E-2]
["2019Q3",6.2399999999999997E-2,4.3400000000000001E-2]
["2019Q4",6.1800000000000001E-2,3.4799999999999998E-2]
["2020Q1",6.4000000000000001E-2,3.9800000000000002E-2]
["2020Q2",-0.2392,-6.0499999999999998E-2]
["2020Q3",-7.7299999999999994E-2,-0.10059999999999999]
["2020Q4",-2.6700000000000002E-2,-0.11700000000000001]
["2021Q1",-1.6999999999999999E-3,-0.14779999999999999]
["2021Q2",0.51639999999999997,-6.2100000000000002E-2]
["2021Q3",0.30399999999999999,1.1999999999999999E-3]
["2021Q4",0.28789999999999999,4.82E-2]
["2022Q1",0.26729999999999998,9.3399999999999997E-2]
["2022Q2",0.2001,0.14599999999999999]
["2022Q3",0.1552,0.1628]
["2022Q4",0.10009999999999999,0.17150000000000001]
["2023Q1",0.1038,0.18640000000000001]
["2023Q2",6.1100000000000002E-2,0.16800000000000001]
["2023Q3",5.9499999999999997E-2,0.15129999999999999]
["2023Q4",0.05,0.1275]
["2024Q1",5.8400000000000001E-2,0.104]
["2024Q2",4.2599999999999999E-2,8.1299999999999997E-2]
["2024Q3",3.0099999999999998E-2,5.9299999999999999E-2]
["2024Q4",5.11E-2,4.3400000000000001E-2]
[]
["Figure 15"]
["MONTHLY CYCLE-ENDING BALANCES (CCIP) "]
["Date","CCIP credit card balances"]
["2014-01-29",724479000000]
["2014-02-26",708575000000]
["2014-03-29",695817000000]
["2014-04-30",700319000000]
["2014-05-31",706351000000]
["2014-06-28",711326000000]
["2014-07-30",715357000000]
["2014-08-30",722628000000]
["2014-09-27",724088000000]
["2014-10-29",723359000000]
["2014-11-29",727213000000]
["2014-12-31",750538000000]
["2015-01-31",751684000000]
["2015-02-28",734326000000]
["2015-03-28",721865000000]
["2015-04-29",725766000000]
["2015-05-30",731195000000]
["2015-06-27",737898000000]
["2015-07-29",742722000000]
["2015-08-29",749554000000]
["2015-09-30",753674000000]
["2015-10-31",753267000000]
["2015-11-28",757189000000]
["2015-12-30",782558000000]
["2016-01-30",785106000000]
["2016-02-27",769792000000]
["2016-03-30",758797000000]
["2016-04-30",763576000000]
["2016-05-28",768207000000]
["2016-06-29",778767000000]
["2016-07-30",777299000000]
["2016-08-31",784724000000]
["2016-09-28",795717000000]
["2016-10-29",798153000000]
["2016-11-30",804862000000]
["2016-12-31",835194000000]
["2017-01-28",836898000000]
["2017-02-25",821577000000]
["2017-03-29",808976000000]
["2017-04-29",815447000000]
["2017-05-31",819171000000]
["2017-06-28",829705000000]
["2017-07-29",830285000000]
["2017-08-30",838163000000]
["2017-09-30",845351000000]
["2017-10-28",844440000000]
["2017-11-29",852227000000]
["2017-12-30",881536000000]
["2018-01-31",881654000000]
["2018-02-28",868005000000]
["2018-03-31",852751000000]
["2018-04-28",856176000000]
["2018-05-30",861630000000]
["2018-06-30",872716000000]
["2018-07-28",874895000000]
["2018-08-29",882524000000]
["2018-09-29",889075000000]
["2018-10-31",887574000000]
["2018-11-28",897496000000]
["2018-12-29",927053000000]
["2019-01-30",922919000000]
["2019-02-27",910479000000]
["2019-03-30",895282000000]
["2019-04-27",901159000000]
["2019-05-29",907114000000]
["2019-06-29",919913000000]
["2019-07-31",922076000000]
["2019-08-31",933087000000]
["2019-09-28",936431000000]
["2019-10-30",938787000000]
["2019-11-30",946634000000]
["2019-12-28",975156000000]
["2020-01-29",975814000000]
["2020-02-29",961472000000]
["2020-03-28",945184000000]
["2020-04-29",905502000000]
["2020-05-30",873961000000]
["2020-06-27",869015000000]
["2020-07-29",867281000000]
["2020-08-29",863268000000]
["2020-09-30",859802000000]
["2020-10-31",854856000000]
["2020-11-28",856679000000]
["2020-12-30",878122000000]
["2021-01-30",858395000000]
["2021-02-27",836683000000]
["2021-03-31",822562000000]
["2021-04-28",821526000000]
["2021-05-29",826844000000]
["2021-06-30",840422000000]
["2021-07-31",850067000000]
["2021-08-28",856628000000]
["2021-09-29",859009000000]
["2021-10-30",867066000000]
["2021-11-27",879539000000]
["2021-12-29",915198000000]
["2022-01-29",908466000000]
["2022-02-26",895760000000]
["2022-03-30",896084000000]
["2022-04-30",913892000000]
["2022-05-28",923796000000]
["2022-06-29",946215000000]
["2022-07-30",963050000000]
["2022-08-31",977514000000]
["2022-09-28",990054000000]
["2022-10-29",1002000000000]
["2022-11-30",1016000000000]
["2022-12-31",1058000000000]
["2023-01-28",1059000000000]
["2023-02-25",1048000000000]
["2023-03-29",1042000000000]
["2023-04-29",1058000000000]
["2023-05-31",1067000000000]
["2023-06-28",1086000000000]
["2023-07-29",1099000000000]
["2023-08-30",1111000000000]
["2023-09-30",1122000000000]
["2023-10-28",1127000000000]
["2023-11-29",1140000000000]
["2023-12-30",1179000000000]
["2024-01-31",1172000000000]
["2024-02-28",1163000000000]
["2024-03-30",1154000000000]
["2024-04-27",1160000000000]
["2024-05-29",1168000000000]
["2024-06-29",1184000000000]
["2024-07-31",1189000000000]
["2024-08-31",1201000000000]
["2024-09-28",1203000000000]
["2024-10-30",1205000000000]
["2024-11-30",1213000000000]
["2024-12-28",1244000000000]
[]
["Figure 16"]
["MONTHLY AVERAGE PER-CARDHOLDER CYCLE-ENDING BALANCES (CCIP)"]
["Date","Deep subprime","Subprime","Near-prime","Prime","Prime plus","Superprime","Overall"]
["2014-01-29",3576,3664,4666,6356,4371,2043,4093]
["2014-02-26",3525,3580,4597,6295,4291,1921,4012]
["2014-03-29",3597,3638,4465,6095,4225,1771,3909]
["2014-04-30",3545,3571,4430,6074,4228,1985,3941]
["2014-05-31",3492,3527,4443,6106,4280,2072,3975]
["2014-06-28",3522,3602,4554,6122,4336,1921,3987]
["2014-07-30",3480,3562,4568,6159,4330,2045,4013]
["2014-08-30",3448,3530,4592,6213,4399,2132,4062]
["2014-09-27",3530,3715,4700,6241,4370,1914,4040]
["2014-10-29",3476,3657,4694,6250,4345,2006,4044]
["2014-11-29",3434,3609,4701,6279,4378,2071,4067]
["2014-12-31",3507,3781,4878,6430,4492,2041,4167]
["2015-01-31",3460,3764,4922,6470,4457,2107,4175]
["2015-02-28",3397,3670,4850,6397,4369,1986,4086]
["2015-03-28",3528,3697,4696,6175,4302,1827,3980]
["2015-04-29",3434,3619,4669,6159,4297,2050,4009]
["2015-05-30",3402,3588,4688,6185,4335,2126,4039]
["2015-06-27",3451,3715,4752,6197,4358,1968,4042]
["2015-07-29",3402,3689,4783,6238,4354,2084,4070]
["2015-08-29",3339,3638,4812,6297,4413,2172,4114]
["2015-09-30",3452,3831,4921,6300,4404,1959,4100]
["2015-10-31",3378,3762,4920,6320,4375,2050,4102]
["2015-11-28",3325,3720,4927,6361,4410,2106,4125]
["2015-12-30",3452,3903,5084,6500,4528,2081,4227]
["2016-01-30",3402,3885,5143,6562,4503,2159,4246]
["2016-02-27",3348,3792,5081,6510,4430,2038,4168]
["2016-03-30",3491,3852,4947,6298,4348,1895,4074]
["2016-04-30",3423,3785,4928,6292,4344,2095,4104]
["2016-05-28",3391,3752,4946,6331,4373,2151,4130]
["2016-06-29",3482,3849,5060,6378,4398,2011,4146]
["2016-07-30",3439,3810,5077,6393,4354,2078,4143]
["2016-08-31",3403,3769,5110,6470,4407,2138,4186]
["2016-09-28",3523,3989,5275,6537,4399,1984,4202]
["2016-10-29",3468,3949,5294,6581,4382,2085,4221]
["2016-11-30",3426,3914,5325,6650,4428,2152,4260]
["2016-12-31",3628,4189,5544,6790,4549,2144,4385]
["2017-01-28",3590,4177,5598,6855,4520,2202,4399]
["2017-02-25",3553,4095,5543,6805,4443,2090,4326]
["2017-03-29",3685,4124,5391,6634,4373,1945,4226]
["2017-04-29",3612,4046,5361,6627,4383,2167,4263]
["2017-05-31",3586,4009,5366,6661,4413,2218,4287]
["2017-06-28",3686,4138,5451,6687,4471,2081,4305]
["2017-07-29",3510,3991,5402,6725,4478,2213,4312]
["2017-08-30",3475,3944,5418,6813,4555,2281,4364]
["2017-09-30",3665,4174,5559,6862,4533,2084,4358]
["2017-10-28",3614,4126,5555,6881,4503,2160,4359]
["2017-11-29",3574,4066,5554,6936,4559,2260,4402]
["2017-12-30",3775,4289,5753,7132,4671,2234,4527]
["2018-01-31",3725,4263,5794,7186,4629,2278,4529]
["2018-02-28",3672,4174,5722,7145,4573,2196,4467]
["2018-03-31",3835,4220,5603,6951,4486,2008,4356]
["2018-04-28",3765,4143,5559,6932,4477,2209,4381]
["2018-05-30",3732,4103,5559,6967,4526,2300,4418]
["2018-06-30",3882,4220,5616,7014,4572,2157,4441]
["2018-07-28",3824,4178,5622,7051,4554,2265,4458]
["2018-08-29",3770,4122,5628,7114,4620,2343,4502]
["2018-09-29",3947,4355,5793,7152,4619,2149,4503]
["2018-10-31",3877,4285,5782,7166,4589,2238,4502]
["2018-11-28",3856,4258,5796,7230,4654,2341,4557]
["2018-12-29",4080,4535,6039,7430,4751,2290,4676]
["2019-01-30",4034,4501,6073,7474,4686,2308,4661]
["2019-02-27",3993,4422,6019,7439,4638,2233,4608]
["2019-03-30",4187,4500,5858,7247,4544,2050,4498]
["2019-04-27",4090,4406,5814,7235,4551,2281,4532]
["2019-05-29",4047,4350,5809,7263,4597,2373,4566]
["2019-06-29",4182,4525,5932,7318,4656,2212,4599]
["2019-07-31",4123,4474,5947,7358,4635,2320,4615]
["2019-08-31",4090,4428,5970,7431,4719,2423,4677]
["2019-09-28",4257,4691,6088,7474,4683,2182,4656]
["2019-10-30",4189,4641,6113,7525,4661,2294,4674]
["2019-11-30",4152,4596,6130,7580,4719,2389,4720]
["2019-12-28",4366,4929,6370,7716,4801,2314,4820]
["2020-01-29",4404,5023,6476,7775,4766,2237,4814]
["2020-02-29",4415,4975,6417,7671,4677,2142,4732]
["2020-03-28",4407,4918,6249,7546,4586,2081,4640]
["2020-04-29",4443,4829,6111,7328,4341,1838,4438]
["2020-05-30",4442,4655,5811,7073,4178,1786,4285]
["2020-06-27",4424,4554,5692,6939,4163,1862,4257]
["2020-07-29",4427,4531,5603,6852,4148,1906,4241]
["2020-08-29",4442,4503,5554,6760,4128,1920,4218]
["2020-09-30",4420,4508,5484,6705,4104,1920,4195]
["2020-10-31",4436,4474,5445,6654,4088,1918,4172]
["2020-11-28",4398,4486,5434,6654,4092,1942,4176]
["2020-12-30",4390,4541,5538,6749,4195,2071,4278]
["2021-01-30",4400,4530,5446,6663,4077,1939,4176]
["2021-02-27",4397,4451,5330,6508,3967,1834,4064]
["2021-03-31",4401,4371,5142,6337,3902,1846,3992]
["2021-04-28",4399,4261,4971,6204,3902,1947,3977]
["2021-05-29",4347,4232,4969,6197,3930,1997,3995]
["2021-06-30",4335,4247,5046,6245,3992,2052,4051]
["2021-07-31",4308,4305,5113,6304,4029,2072,4087]
["2021-08-28",4284,4321,5182,6362,4054,2082,4112]
["2021-09-29",4241,4361,5243,6395,4046,2061,4112]
["2021-10-30",4229,4409,5314,6454,4064,2082,4140]
["2021-11-27",4214,4474,5366,6519,4110,2131,4188]
["2021-12-29",4215,4576,5592,6705,4271,2277,4348]
["2022-01-29",4223,4654,5693,6766,4196,2152,4305]
["2022-02-26",4222,4651,5656,6697,4123,2064,4235]
["2022-03-30",4225,4612,5616,6625,4127,2104,4228]
["2022-04-30",4187,4605,5666,6668,4210,2215,4299]
["2022-05-28",4158,4638,5714,6744,4257,2240,4337]
["2022-06-29",4157,4730,5878,6910,4354,2288,4428]
["2022-07-30",4169,4824,6059,7070,4408,2295,4494]
["2022-08-31",4189,4914,6206,7187,4460,2309,4550]
["2022-09-28",4222,4966,6304,7303,4506,2311,4598]
["2022-10-29",4255,5058,6409,7417,4539,2309,4641]
["2022-11-30",4278,5116,6489,7551,4590,2343,4697]
["2022-12-31",4408,5271,6736,7777,4757,2495,4884]
["2023-01-28",4469,5343,6874,7862,4728,2392,4875]
["2023-02-25",4507,5316,6838,7805,4671,2301,4814]
["2023-03-29",4540,5307,6723,7768,4633,2295,4775]
["2023-04-29",4588,5275,6759,7824,4704,2389,4839]
["2023-05-31",4627,5302,6815,7895,4734,2414,4874]
["2023-06-28",4658,5345,6922,8012,4810,2470,4949]
["2023-07-29",4747,5418,7034,8129,4846,2468,5000]
["2023-08-30",4849,5483,7143,8199,4882,2472,5042]
["2023-09-30",4949,5599,7213,8313,4902,2462,5085]
["2023-10-28",5029,5627,7267,8376,4909,2449,5101]
["2023-11-29",5101,5687,7322,8481,4950,2479,5152]
["2023-12-30",5158,5798,7493,8675,5106,2640,5312]
["2024-01-31",5256,5873,7569,8708,5050,2502,5271]
["2024-02-28",5288,5858,7486,8662,5000,2440,5218]
["2024-03-30",5306,5818,7344,8553,4969,2441,5174]
["2024-04-27",5345,5796,7305,8537,5005,2497,5196]
["2024-05-29",5383,5851,7320,8583,5024,2536,5228]
["2024-06-29",5430,5914,7393,8684,5091,2583,5293]
["2024-07-31",5484,5960,7476,8744,5100,2551,5307]
[]
["Figure 17"]
["MONTHLY CYCLE-ENDING BALANCES, GENERAL PURPOSE AND PRIVATE LABEL (MMI)"]
["Date","General purpose","Private label"]
["2014-01-29",646357000000,78123000000]
["2014-02-26",633326000000,75249000000]
["2014-03-29",622705000000,73113000000]
["2014-04-30",627176000000,73143000000]
["2014-05-31",632796000000,73555000000]
["2014-06-28",637095000000,74231000000]
["2014-07-30",640753000000,74604000000]
["2014-08-30",647626000000,75002000000]
["2014-09-27",648508000000,75580000000]
["2014-10-29",647278000000,76080000000]
["2014-11-29",650371000000,76842000000]
["2014-12-31",667493000000,83046000000]
["2015-01-31",668519000000,83165000000]
["2015-02-28",654546000000,79780000000]
["2015-03-28",643721000000,78144000000]
["2015-04-29",647872000000,77894000000]
["2015-05-30",652151000000,79044000000]
["2015-06-27",648072000000,89826000000]
["2015-07-29",652139000000,90583000000]
["2015-08-29",659161000000,90392000000]
["2015-09-30",664127000000,89547000000]
["2015-10-31",663602000000,89665000000]
["2015-11-28",667839000000,89350000000]
["2015-12-30",688107000000,94450000000]
["2016-01-30",689501000000,95605000000]
["2016-02-27",677069000000,92724000000]
["2016-03-30",667708000000,91089000000]
["2016-04-30",672662000000,90913000000]
["2016-05-28",676583000000,91623000000]
["2016-06-29",686310000000,92457000000]
["2016-07-30",684845000000,92454000000]
["2016-08-31",692060000000,92664000000]
["2016-09-28",702712000000,93005000000]
["2016-10-29",704722000000,93431000000]
["2016-11-30",710624000000,94238000000]
["2016-12-31",735047000000,100147000000]
["2017-01-28",736685000000,100213000000]
["2017-02-25",724500000000,97077000000]
["2017-03-29",713307000000,95669000000]
["2017-04-29",720231000000,95216000000]
["2017-05-31",723569000000,95601000000]
["2017-06-28",733022000000,96683000000]
["2017-07-29",732958000000,97326000000]
["2017-08-30",740323000000,97841000000]
["2017-09-30",747395000000,97957000000]
["2017-10-28",746487000000,97953000000]
["2017-11-29",753951000000,98276000000]
["2017-12-30",778183000000,103354000000]
["2018-01-31",777988000000,103665000000]
["2018-02-28",767260000000,100744000000]
["2018-03-31",755647000000,97104000000]
["2018-04-28",760855000000,95321000000]
["2018-05-30",765629000000,96001000000]
["2018-06-30",775673000000,97043000000]
["2018-07-28",777945000000,96950000000]
["2018-08-29",785623000000,96901000000]
["2018-09-29",792082000000,96993000000]
["2018-10-31",791054000000,96521000000]
["2018-11-28",800552000000,96944000000]
["2018-12-29",824760000000,102293000000]
["2019-01-30",821140000000,101779000000]
["2019-02-27",811393000000,99086000000]
["2019-03-30",800355000000,94927000000]
["2019-04-27",807148000000,94012000000]
["2019-05-29",812482000000,94632000000]
["2019-06-29",824293000000,95620000000]
["2019-07-31",825752000000,96324000000]
["2019-08-31",836474000000,96614000000]
["2019-09-28",839649000000,96782000000]
["2019-10-30",843778000000,95009000000]
["2019-11-30",851105000000,95529000000]
["2019-12-28",874942000000,100214000000]
["2020-01-29",875509000000,100305000000]
["2020-02-29",864071000000,97401000000]
["2020-03-28",849323000000,95861000000]
["2020-04-29",812601000000,92901000000]
["2020-05-30",784139000000,89823000000]
["2020-06-27",780050000000,88965000000]
["2020-07-29",778660000000,88621000000]
["2020-08-29",775100000000,88168000000]
["2020-09-30",772247000000,87555000000]
["2020-10-31",767697000000,87159000000]
["2020-11-28",769282000000,87397000000]
["2020-12-30",786666000000,91456000000]
["2021-01-30",768889000000,89507000000]
["2021-02-27",749955000000,86727000000]
["2021-03-31",737762000000,84800000000]
["2021-04-28",737887000000,83639000000]
["2021-05-29",742943000000,83900000000]
["2021-06-30",755645000000,84777000000]
["2021-07-31",764902000000,85165000000]
["2021-08-28",771696000000,84932000000]
["2021-09-29",774783000000,84226000000]
["2021-10-30",782431000000,84635000000]
["2021-11-27",794041000000,85497000000]
["2021-12-29",825284000000,89915000000]
["2022-01-29",818739000000,89727000000]
["2022-02-26",808293000000,87467000000]
["2022-03-30",810147000000,85937000000]
["2022-04-30",828156000000,85735000000]
["2022-05-28",837622000000,86174000000]
["2022-06-29",859274000000,86941000000]
["2022-07-30",875134000000,87915000000]
["2022-08-31",889077000000,88436000000]
["2022-09-28",901382000000,88672000000]
["2022-10-29",912222000000,89294000000]
["2022-11-30",925516000000,90195000000]
["2022-12-31",962422000000,95950000000]
["2023-01-28",963393000000,95400000000]
["2023-02-25",955124000000,93154000000]
["2023-03-29",950188000000,91712000000]
["2023-04-29",966512000000,91751000000]
["2023-05-31",975051000000,92292000000]
["2023-06-28",992842000000,93170000000]
["2023-07-29",1006000000000,93595000000]
["2023-08-30",1017000000000,93375000000]
["2023-09-30",1029000000000,93049000000]
["2023-10-28",1034000000000,92998000000]
["2023-11-29",1047000000000,93435000000]
["2023-12-30",1081000000000,97346000000]
["2024-01-31",1076000000000,96134000000]
["2024-02-28",1069000000000,93755000000]
["2024-03-30",1062000000000,92178000000]
["2024-04-27",1069000000000,91543000000]
["2024-05-29",1077000000000,91584000000]
["2024-06-29",1092000000000,92232000000]
["2024-07-31",1097000000000,92142000000]
["2024-08-31",1109000000000,91676000000]
["2024-09-28",1111000000000,91420000000]
["2024-10-30",1117000000000,88256000000]
["2024-11-30",1125000000000,87518000000]
["2024-12-28",1154000000000,90426000000]
[]
["Figure 18"]
["AVERAGE PER-ACCOUNT CYCLE-ENDING BALANCES, YEAR-END 2024 (CCIP)"]
["Credit score tier","General purpose","Private label"]
["Deep subprime",2112,698.99]
["Subprime",2057,628.72]
["Near-prime",2230,652.36]
["Prime",2885,731.79]
["Prime plus",2044,456.64]
["Superprime",873.51,176.76]
["Overall",1899,488.46]

{"sheet":"Section 3 - Cost of credit","index":3,"n_rows":733,"n_cols":7,"rows_kept":733,"cut":false,"hidden":false,"merged":[]}
["Section 3 - Cost of credit"]
[]
[]
["Figure 19"]
["QUARTERLY TOTAL COST OF CREDIT, AS A PERCENTAGE OF ANNUALIZED CYCLE-ENDING BALANCES, ALL ACCOUNTS (Y-14+)"]
["Quarter","General purpose","Private label"]
["2015Q1",0.13980000000000001,0.22359999999999999]
["2015Q2",0.1401,0.21629999999999999]
["2015Q3",0.14169999999999999,0.22800000000000001]
["2015Q4",0.14080000000000001,0.2208]
["2016Q1",0.14460000000000001,0.22470000000000001]
["2016Q2",0.1439,0.22289999999999999]
["2016Q3",0.1457,0.23]
["2016Q4",0.14419999999999999,0.22509999999999999]
["2017Q1",0.14749999999999999,0.22409999999999999]
["2017Q2",0.14960000000000001,0.2233]
["2017Q3",0.15409999999999999,0.2271]
["2017Q4",0.152,0.218]
["2018Q1",0.15659999999999999,0.22589999999999999]
["2018Q2",0.1583,0.22289999999999999]
["2018Q3",0.16300000000000001,0.22409999999999999]
["2018Q4",0.16309999999999999,0.22090000000000001]
["2019Q1",0.16769999999999999,0.2296]
["2019Q2",0.1673,0.2286]
["2019Q3",0.16980000000000001,0.2303]
["2019Q4",0.16500000000000001,0.22409999999999999]
["2020Q1",0.16800000000000001,0.22739999999999999]
["2020Q2",0.1605,0.21229999999999999]
["2020Q3",0.158,0.2084]
["2020Q4",0.15859999999999999,0.21049999999999999]
["2021Q1",0.16200000000000001,0.20349999999999999]
["2021Q2",0.15590000000000001,0.1968]
["2021Q3",0.15820000000000001,0.2021]
["2021Q4",0.15579999999999999,0.2]
["2022Q1",0.1588,0.20619999999999999]
["2022Q2",0.15790000000000001,0.2046]
["2022Q3",0.1704,0.21310000000000001]
["2022Q4",0.17780000000000001,0.21560000000000001]
["2023Q1",0.18859999999999999,0.2223]
["2023Q2",0.1908,0.2278]
["2023Q3",0.19689999999999999,0.23]
["2023Q4",0.1971,0.22950000000000001]
["2024Q1",0.20150000000000001,0.23300000000000001]
["2024Q2",0.19969999999999999,0.23269999999999999]
["2024Q3",0.20380000000000001,0.2339]
["2024Q4",0.19900000000000001,0.2321]
[]
["Figure 20"]
["ANNUAL TOTAL COST OF CREDIT, AS A SHARE OF CYCLE-ENDING BALANCES, REVOLVING ACCOUNTS, 2024 (Y-14+)"]
["Credit score tier","General purpose","Private label"]
["Deep subprime",0.35639999999999999,0.44550000000000001]
["Subprime",0.32150000000000001,0.36109999999999998]
["Near-prime",0.27779999999999999,0.30449999999999999]
["Prime",0.23269999999999999,0.25069999999999998]
["Prime plus",0.1862,0.1699]
["Superprime",0.1318,9.9099999999999994E-2]
["Overall",0.2258,0.2467]
[]
["Figure 21"]
["QUARTERLY INTEREST CHARGED (Y-14+)"]
["Quarter","Interest"]
["2015Q1",17409000000]
["2015Q2",17378000000]
["2015Q3",17903000000]
["2015Q4",18336000000]
["2016Q1",19086000000]
["2016Q2",18916000000]
["2016Q3",19726000000]
["2016Q4",20308000000]
["2017Q1",20868000000]
["2017Q2",21153000000]
["2017Q3",22232000000]
["2017Q4",22817000000]
["2018Q1",23489000000]
["2018Q2",23615000000]
["2018Q3",24871000000]
["2018Q4",25661000000]
["2019Q1",26328000000]
["2019Q2",26303000000]
["2019Q3",26849000000]
["2019Q4",26568000000]
["2020Q1",27128000000]
["2020Q2",23906000000]
["2020Q3",22720000000]
["2020Q4",22675000000]
["2021Q1",22150000000]
["2021Q2",21167000000]
["2021Q3",21950000000]
["2021Q4",22540000000]
["2022Q1",23173000000]
["2022Q2",24093000000]
["2022Q3",27369000000]
["2022Q4",30473000000]
["2023Q1",33193000000]
["2023Q2",34751000000]
["2023Q3",37044000000]
["2023Q4",38481000000]
["2024Q1",39519000000]
["2024Q2",39386000000]
["2024Q3",40656000000]
["2024Q4",40667000000]
[]
["Figure 22"]
["QUARTERLY AVERAGE APR, GENERAL PURPOSE (Y-14+)"]
["Quarter","Superprime and prime plus","Prime","Near-prime","Subprime","Deep subprime","Overall"]
["2015Q1",0.16089999999999999,0.19040000000000001,0.2056,0.215,0.22120000000000001,0.17630000000000001]
["2015Q2",0.1615,0.19159999999999999,0.20669999999999999,0.216,0.22189999999999999,0.17680000000000001]
["2015Q3",0.1628,0.1925,0.20749999999999999,0.21690000000000001,0.22289999999999999,0.17780000000000001]
["2015Q4",0.1648,0.19359999999999999,0.20860000000000001,0.21809999999999999,0.22450000000000001,0.17949000000000001]
["2016Q1",0.16750000000000001,0.1966,0.21160000000000001,0.22120000000000001,0.22800000000000001,0.1825]
["2016Q2",0.16850000000000001,0.19839999999999999,0.21340000000000001,0.22259999999999999,0.22950000000000001,0.1837]
["2016Q3",0.16980000000000001,0.2001,0.21479999999999999,0.22370000000000001,0.23019999999999999,0.1852]
["2016Q4",0.1706,0.20119999999999999,0.21540000000000001,0.224,0.23100000000000001,0.18629999999999999]
["2017Q1",0.17299999999999999,0.20349999999999999,0.21790000000000001,0.2263,0.23319999999999999,0.18890000000000001]
["2017Q2",0.1759,0.20699999999999999,0.2213,0.22939999999999999,0.2359,0.19170000000000001]
["2017Q3",0.1787,0.2097,0.224,0.2319,0.2384,0.19450000000000001]
["2017Q4",0.17960000000000001,0.2104,0.22459999999999999,0.23230000000000001,0.2387,0.19539999999999999]
["2018Q1",0.18260000000000001,0.2132,0.22739999999999999,0.2349,0.24099999999999999,0.1983]
["2018Q2",0.18609999999999999,0.21709999999999999,0.2311,0.2379,0.24379999999999999,0.2014]
["2018Q3",0.189,0.21940000000000001,0.23369999999999999,0.24079999999999999,0.24629999999999999,0.20419999999999999]
["2018Q4",0.19209999999999999,0.22170000000000001,0.23580000000000001,0.24279999999999999,0.24779999999999999,0.20699999999999999]
["2019Q1",0.1903,0.22309999999999999,0.23880000000000001,0.2462,0.25140000000000001,0.20730000000000001]
["2019Q2",0.19109999999999999,0.22420000000000001,0.23980000000000001,0.24690000000000001,0.25230000000000002,0.20780000000000001]
["2019Q3",0.1903,0.22359999999999999,0.23960000000000001,0.247,0.2525,0.2072]
["2019Q4",0.18629999999999999,0.21959999999999999,0.23580000000000001,0.2432,0.2487,0.20330000000000001]
["2020Q1",0.1832,0.21709999999999999,0.2334,0.2412,0.24709999999999999,0.20080000000000001]
["2020Q2",0.17100000000000001,0.20580000000000001,0.22170000000000001,0.22889999999999999,0.23519999999999999,0.1883]
["2020Q3",0.17199999999999999,0.2072,0.22289999999999999,0.23,0.23580000000000001,0.1885]
["2020Q4",0.17269999999999999,0.20830000000000001,0.2243,0.23180000000000001,0.23749999999999999,0.1893]
["2021Q1",0.1726,0.20930000000000001,0.22570000000000001,0.23330000000000001,0.23930000000000001,0.1898]
["2021Q2",0.17349999999999999,0.2112,0.2276,0.2351,0.2412,0.19059999999999999]
["2021Q3",0.17430000000000001,0.21229999999999999,0.2291,0.23680000000000001,0.24310000000000001,0.1918]
["2021Q4",0.17519999999999999,0.2132,0.23,0.23780000000000001,0.245,0.19309999999999999]
["2022Q1",0.1762,0.21410000000000001,0.23080000000000001,0.23830000000000001,0.2462,0.19450000000000001]
["2022Q2",0.18179999999999999,0.21929999999999999,0.2354,0.24229999999999999,0.25009999999999999,0.19980000000000001]
["2022Q3",0.1951,0.2326,0.2485,0.25509999999999999,0.26250000000000001,0.21329999999999999]
["2022Q4",0.20910000000000001,0.24629999999999999,0.26190000000000002,0.26840000000000003,0.27539999999999998,0.22739999999999999]
["2023Q1",0.21959999999999999,0.25779999999999997,0.27410000000000001,0.2802,0.28570000000000001,0.23899999999999999]
["2023Q2",0.22509999999999999,0.26369999999999999,0.2797,0.28549999999999998,0.28970000000000001,0.24399999999999999]
["2023Q3",0.2291,0.26719999999999999,0.2828,0.28839999999999999,0.29220000000000002,0.24790000000000001]
["2023Q4",0.2306,0.26889999999999997,0.28449999999999998,0.29010000000000002,0.29349999999999998,0.24959999999999999]
["2024Q1",0.23130000000000001,0.26929999999999998,0.2848,0.29039999999999999,0.29330000000000001,0.25009999999999999]
["2024Q2",0.2321,0.2702,0.28560000000000002,0.2913,0.29389999999999999,0.25059999999999999]
["2024Q3",0.23350000000000001,0.27139999999999997,0.2868,0.29260000000000003,0.29459999999999997,0.25180000000000002]
["2024Q4",0.23050000000000001,0.26800000000000002,0.28349999999999997,0.28970000000000001,0.29099999999999998,0.2487]
[]
["Figure 23"]
["QUARTERLY AVERAGE APR, PRIVATE LABEL (Y-14+)"]
["Quarter","Superprime and prime plus","Prime","Near-prime","Subprime","Deep subprime","Overall"]
["2015Q1",0.24660000000000001,0.25040000000000001,0.24959999999999999,0.2485,0.24859999999999999,0.248]
["2015Q2",0.248,0.25140000000000001,0.25059999999999999,0.2495,0.24940000000000001,0.2492]
["2015Q3",0.2492,0.25240000000000001,0.25140000000000001,0.25040000000000001,0.25030000000000002,0.25030000000000002]
["2015Q4",0.2492,0.25269999999999998,0.25159999999999999,0.25059999999999999,0.25080000000000002,0.25040000000000001]
["2016Q1",0.24890000000000001,0.25309999999999999,0.25190000000000001,0.25069999999999998,0.25059999999999999,0.25040000000000001]
["2016Q2",0.24940000000000001,0.25409999999999999,0.25309999999999999,0.25209999999999999,0.25180000000000002,0.25119999999999998]
["2016Q3",0.2485,0.25330000000000003,0.25280000000000002,0.25209999999999999,0.25190000000000001,0.2505]
["2016Q4",0.2465,0.25159999999999999,0.252,0.25190000000000001,0.25190000000000001,0.24890000000000001]
["2017Q1",0.25240000000000001,0.25690000000000002,0.25580000000000003,0.25469999999999998,0.25440000000000002,0.254]
["2017Q2",0.25459999999999999,0.25969999999999999,0.25869999999999999,0.25769999999999998,0.25690000000000002,0.25650000000000001]
["2017Q3",0.25669999999999998,0.2626,0.26200000000000001,0.26100000000000001,0.25929999999999997,0.25900000000000001]
["2017Q4",0.25750000000000001,0.26300000000000001,0.26219999999999999,0.26100000000000001,0.25929999999999997,0.25950000000000001]
["2018Q1",0.25890000000000002,0.26450000000000001,0.26379999999999998,0.26279999999999998,0.26,0.26100000000000001]
["2018Q2",0.26140000000000002,0.26650000000000001,0.26579999999999998,0.26490000000000002,0.26150000000000001,0.26319999999999999]
["2018Q3",0.26240000000000002,0.26729999999999998,0.26690000000000003,0.26619999999999999,0.26419999999999999,0.26429999999999998]
["2018Q4",0.26400000000000001,0.26910000000000001,0.26889999999999997,0.26819999999999999,0.26590000000000003,0.26600000000000001]
["2019Q1",0.26529999999999998,0.27200000000000002,0.27229999999999999,0.27179999999999999,0.26939999999999997,0.26850000000000002]
["2019Q2",0.26690000000000003,0.27310000000000001,0.27329999999999999,0.27229999999999999,0.2697,0.2697]
["2019Q3",0.26629999999999998,0.27279999999999999,0.27329999999999999,0.27229999999999999,0.26979999999999998,0.26919999999999999]
["2019Q4",0.26329999999999998,0.27010000000000001,0.2707,0.26950000000000002,0.2666,0.26629999999999998]
["2020Q1",0.26079999999999998,0.26800000000000002,0.26860000000000001,0.26740000000000003,0.26419999999999999,0.2641]
["2020Q2",0.25269999999999998,0.2601,0.25979999999999998,0.25800000000000001,0.254,0.25569999999999998]
["2020Q3",0.25169999999999998,0.25869999999999999,0.2576,0.2545,0.24940000000000001,0.25409999999999999]
["2020Q4",0.25190000000000001,0.25879999999999997,0.25750000000000001,0.25430000000000003,0.2492,0.25419999999999998]
["2021Q1",0.25159999999999999,0.25869999999999999,0.25779999999999997,0.25509999999999999,0.25059999999999999,0.25430000000000003]
["2021Q2",0.252,0.25879999999999997,0.25779999999999997,0.255,0.25040000000000001,0.2545]
["2021Q3",0.25190000000000001,0.25900000000000001,0.25819999999999999,0.25580000000000003,0.25180000000000002,0.25459999999999999]
["2021Q4",0.25340000000000001,0.25969999999999999,0.25879999999999997,0.25669999999999998,0.25280000000000002,0.25580000000000003]
["2022Q1",0.25390000000000001,0.26,0.25919999999999999,0.25719999999999998,0.25369999999999998,0.25619999999999998]
["2022Q2",0.25659999999999999,0.26250000000000001,0.26169999999999999,0.25950000000000001,0.25580000000000003,0.25869999999999999]
["2022Q3",0.2651,0.27200000000000002,0.2727,0.27179999999999999,0.26950000000000002,0.26819999999999999]
["2022Q4",0.27429999999999999,0.28029999999999999,0.28139999999999998,0.28089999999999998,0.27910000000000001,0.2772]
["2023Q1",0.28239999999999998,0.28799999999999998,0.28989999999999999,0.29010000000000002,0.28889999999999999,0.28560000000000002]
["2023Q2",0.28510000000000002,0.29039999999999999,0.29239999999999999,0.29270000000000002,0.29149999999999998,0.28810000000000002]
["2023Q3",0.28760000000000002,0.29339999999999999,0.29570000000000002,0.2959,0.29430000000000001,0.29089999999999999]
["2023Q4",0.28949999999999998,0.2954,0.29820000000000002,0.29870000000000002,0.29680000000000001,0.29299999999999998]
["2024Q1",0.29260000000000003,0.2974,0.30030000000000001,0.30080000000000001,0.29880000000000001,0.29559999999999997]
["2024Q2",0.3029,0.30399999999999999,0.30480000000000002,0.30420000000000003,0.30130000000000001,0.30330000000000001]
["2024Q3",0.309,0.31080000000000002,0.3115,0.30959999999999999,0.30520000000000003,0.3095]
["2024Q4",0.31180000000000002,0.31469999999999998,0.31569999999999998,0.31340000000000001,0.30809999999999998,0.31269999999999998]
[]
["Figure 24"]
["QUARTERLY AVERAGE INCIDENCE OF APR INCREASES, ACTIVE ACCOUNTS (Y-14+)"]
["Quarter","General purpose","Private label"]
["2015Q1",9.7000000000000003E-3,1.1999999999999999E-3]
["2015Q2",1.0699999999999999E-2,8.3000000000000001E-3]
["2015Q3",1.0999999999999999E-2,1.1999999999999999E-3]
["2015Q4",0.1188,6.3700000000000007E-2]
["2016Q1",0.18820000000000001,9.4899999999999998E-2]
["2016Q2",1.0999999999999999E-2,2.5700000000000001E-2]
["2016Q3",1.0800000000000001E-2,2.3999999999999998E-3]
["2016Q4",0.12970000000000001,0.1018]
["2017Q1",0.30299999999999999,0.18770000000000001]
["2017Q2",0.30209999999999998,0.185]
["2017Q3",0.1857,0.1075]
["2017Q4",0.12379999999999999,6.4899999999999999E-2]
["2018Q1",0.29449999999999998,0.1769]
["2018Q2",0.32979999999999998,0.1681]
["2018Q3",0.20300000000000001,0.1176]
["2018Q4",0.35630000000000001,0.22189999999999999]
["2019Q1",0.2074,0.1152]
["2019Q2",7.1000000000000004E-3,3.0200000000000001E-2]
["2019Q3",5.1000000000000004E-3,8.0000000000000002E-3]
["2019Q4",5.5999999999999999E-3,3.3999999999999998E-3]
["2020Q1",7.1000000000000004E-3,3.2000000000000002E-3]
["2020Q2",4.4000000000000003E-3,1.5E-3]
["2020Q3",3.7000000000000002E-3,5.0000000000000001E-4]
["2020Q4",5.8999999999999999E-3,8.0000000000000004E-4]
["2021Q1",6.1999999999999998E-3,1.6999999999999999E-3]
["2021Q2",4.7000000000000002E-3,4.0000000000000002E-4]
["2021Q3",5.3E-3,4.0000000000000002E-4]
["2021Q4",7.9000000000000008E-3,3.0300000000000001E-2]
["2022Q1",0.109,3.2599999999999997E-2]
["2022Q2",0.56779999999999997,0.3241]
["2022Q3",0.56169999999999998,0.38009999999999999]
["2022Q4",0.58069999999999999,0.2989]
["2023Q1",0.55520000000000003,0.32169999999999999]
["2023Q2",0.48849999999999999,0.2823]
["2023Q3",0.31519999999999998,0.21479999999999999]
["2023Q4",6.3600000000000004E-2,6.9199999999999998E-2]
["2024Q1",6.1999999999999998E-3,2.4400000000000002E-2]
["2024Q2",9.1999999999999998E-3,5.6399999999999999E-2]
["2024Q3",1.44E-2,6.1899999999999997E-2]
["2024Q4",9.7000000000000003E-3,2.63E-2]
[]
["Figure 25"]
["QUARTERLY AVERAGE INCIDENCE OF APR DECREASES, ACTIVE ACCOUNTS (Y-14)"]
["Quarter","General purpose","Private label"]
["2015Q1",2E-3,6.9999999999999999E-4]
["2015Q2",3.3999999999999998E-3,4.0000000000000001E-3]
["2015Q3",2.2000000000000001E-3,1.1000000000000001E-3]
["2015Q4",5.1999999999999998E-3,6.9999999999999999E-4]
["2016Q1",2.8E-3,8.9999999999999998E-4]
["2016Q2",5.1999999999999998E-3,6.9999999999999999E-4]
["2016Q3",3.2000000000000002E-3,6.9999999999999999E-4]
["2016Q4",3.0000000000000001E-3,6.9999999999999999E-4]
["2017Q1",2.7000000000000001E-3,7.3000000000000001E-3]
["2017Q2",2.5000000000000001E-3,1.1000000000000001E-3]
["2017Q3",1.5E-3,2E-3]
["2017Q4",2.3E-3,8.0000000000000004E-4]
["2018Q1",1.8E-3,7.4999999999999997E-3]
["2018Q2",3.3E-3,6.9999999999999999E-4]
["2018Q3",6.0000000000000001E-3,8.0000000000000004E-4]
["2018Q4",3.2000000000000002E-3,1.1000000000000001E-3]
["2019Q1",2.8E-3,5.9999999999999995E-4]
["2019Q2",1.4E-2,4.0000000000000002E-4]
["2019Q3",0.40179999999999999,0.3034]
["2019Q4",0.4698,0.2636]
["2020Q1",0.22819999999999999,0.22409999999999999]
["2020Q2",0.19689999999999999,0.13639999999999999]
["2020Q3",1.3599999999999999E-2,1.8E-3]
["2020Q4",5.5999999999999999E-3,4.0000000000000002E-4]
["2021Q1",8.8000000000000005E-3,4.0000000000000002E-4]
["2021Q2",6.1999999999999998E-3,2.0000000000000001E-4]
["2021Q3",7.6E-3,2.0000000000000001E-4]
["2021Q4",4.7000000000000002E-3,4.0000000000000002E-4]
["2022Q1",1.4E-3,2.9999999999999997E-4]
["2022Q2",2.3E-3,1E-4]
["2022Q3",6.9999999999999999E-4,2.0000000000000001E-4]
["2022Q4",2E-3,2.0000000000000001E-4]
["2023Q1",1.1999999999999999E-3,2.9999999999999997E-4]
["2023Q2",2.5999999999999999E-3,2.0000000000000001E-4]
["2023Q3",1.1000000000000001E-3,2.0000000000000001E-4]
["2023Q4",3.3E-3,2.0000000000000001E-4]
["2024Q1",1.5E-3,2.0000000000000001E-4]
["2024Q2",3.5000000000000001E-3,5.9999999999999995E-4]
["2024Q3",0.1053,4.36E-2]
["2024Q4",0.56620000000000004,0.31140000000000001]
[]
["Figure 26"]
["ANNUAL EFFECTIVE INTEREST RATE, REVOLVING ACCOUNTS, 2024 (Y-14+)"]
["Credit score tier","General purpose","Private label"]
["Deep subprime",0.25819999999999999,0.25840000000000002]
["Subprime",0.25409999999999999,0.25190000000000001]
["Near-prime",0.24479999999999999,0.24049999999999999]
["Prime",0.21809999999999999,0.21099999999999999]
["Prime plus",0.17399999999999999,0.14499999999999999]
["Superprime",0.1085,7.7399999999999997E-2]
["Overall",0.20100000000000001,0.19089999999999999]
[]
["Figure 27"]
["QUARTERLY ANNUALIZED EFFECTIVE INTEREST RATE, REVOLVING GENERAL PURPOSE ACCOUNTS (Y-14+)"]
["Quarter","EIR"]
["2015Q1",0.1305]
["2015Q2",0.13159999999999999]
["2015Q3",0.13239999999999999]
["2015Q4",0.13170000000000001]
["2016Q1",0.1348]
["2016Q2",0.1348]
["2016Q3",0.13589999999999999]
["2016Q4",0.1351]
["2017Q1",0.1376]
["2017Q2",0.1414]
["2017Q3",0.1449]
["2017Q4",0.14410000000000001]
["2018Q1",0.14749999999999999]
["2018Q2",0.1565]
["2018Q3",0.1595]
["2018Q4",0.15989999999999999]
["2019Q1",0.16189999999999999]
["2019Q2",0.16520000000000001]
["2019Q3",0.1651]
["2019Q4",0.16070000000000001]
["2020Q1",0.16120000000000001]
["2020Q2",0.15310000000000001]
["2020Q3",0.15490000000000001]
["2020Q4",0.1573]
["2021Q1",0.1585]
["2021Q2",0.15970000000000001]
["2021Q3",0.15909999999999999]
["2021Q4",0.1565]
["2022Q1",0.15509999999999999]
["2022Q2",0.15890000000000001]
["2022Q3",0.1701]
["2022Q4",0.17910000000000001]
["2023Q1",0.18729999999999999]
["2023Q2",0.1938]
["2023Q3",0.1978]
["2023Q4",0.1981]
["2024Q1",0.19989999999999999]
["2024Q2",0.20119999999999999]
["2024Q3",0.20319999999999999]
["2024Q4",0.19950000000000001]
[]
["Figure 28"]
["QUARTERLY ANNUALIZED EFFECTIVE INTEREST RATE, REVOLVING PRIVATE LABEL ACCOUNTS (Y-14+)"]
["Quarter","EIR"]
["2015Q1",0.1721]
["2015Q2",0.17649999999999999]
["2015Q3",0.17580000000000001]
["2015Q4",0.17449999999999999]
["2016Q1",0.17269999999999999]
["2016Q2",0.17499999999999999]
["2016Q3",0.17599999999999999]
["2016Q4",0.17469999999999999]
["2017Q1",0.17080000000000001]
["2017Q2",0.1739]
["2017Q3",0.17449999999999999]
["2017Q4",0.17230000000000001]
["2018Q1",0.17319999999999999]
["2018Q2",0.17699999999999999]
["2018Q3",0.1762]
["2018Q4",0.17599999999999999]
["2019Q1",0.17480000000000001]
["2019Q2",0.17960000000000001]
["2019Q3",0.17780000000000001]
["2019Q4",0.17369999999999999]
["2020Q1",0.1736]
["2020Q2",0.17249999999999999]
["2020Q3",0.1696]
["2020Q4",0.1699]
["2021Q1",0.16370000000000001]
["2021Q2",0.16200000000000001]
["2021Q3",0.16120000000000001]
["2021Q4",0.1585]
["2022Q1",0.1585]
["2022Q2",0.1613]
["2022Q3",0.1668]
["2022Q4",0.17]
["2023Q1",0.17369999999999999]
["2023Q2",0.18459999999999999]
["2023Q3",0.18509999999999999]
["2023Q4",0.18579999999999999]
["2024Q1",0.18679999999999999]
["2024Q2",0.19239999999999999]
["2024Q3",0.19209999999999999]
["2024Q4",0.1925]
[]
["Figure 29"]
["QUARTERLY AVERAGE APR MARGIN, GENERAL PURPOSE CARDS TIED TO THE PRIME RATE (Y-14)"]
["Quarter","Superprime","Prime plus","Prime","Near-prime","Subprime and deep subprime","Overall"]
["2015Q1",0.1116,0.126,0.15079999999999999,0.16569999999999999,0.17230000000000001,0.13400000000000001]
["2015Q2",0.11260000000000001,0.12759999999999999,0.15229999999999999,0.16669999999999999,0.17380000000000001,0.13489999999999999]
["2015Q3",0.1138,0.12859999999999999,0.1532,0.1676,0.17519999999999999,0.13600000000000001]
["2015Q4",0.11609999999999999,0.13009999999999999,0.154,0.1686,0.1767,0.13739999999999999]
["2016Q1",0.1169,0.13100000000000001,0.155,0.1699,0.17849999999999999,0.1386]
["2016Q2",0.1176,0.13239999999999999,0.15670000000000001,0.1714,0.18010000000000001,0.13969999999999999]
["2016Q3",0.1187,0.13389999999999999,0.15840000000000001,0.1726,0.18129999999999999,0.14119999999999999]
["2016Q4",0.11890000000000001,0.1343,0.15870000000000001,0.17299999999999999,0.18160000000000001,0.1416]
["2017Q1",0.11899999999999999,0.1343,0.1588,0.17330000000000001,0.18210000000000001,0.14199999999999999]
["2017Q2",0.1192,0.13539999999999999,0.15989999999999999,0.17419999999999999,0.1827,0.1424]
["2017Q3",0.1196,0.13619999999999999,0.16070000000000001,0.17510000000000001,0.18379999999999999,0.14319999999999999]
["2017Q4",0.11990000000000001,0.1366,0.16120000000000001,0.17580000000000001,0.1842,0.14380000000000001]
["2018Q1",0.12089999999999999,0.13739999999999999,0.1618,0.17630000000000001,0.1845,0.1447]
["2018Q2",0.1216,0.1391,0.1633,0.17730000000000001,0.1847,0.14530000000000001]
["2018Q3",0.12239999999999999,0.1404,0.16350000000000001,0.1777,0.1855,0.14599999999999999]
["2018Q4",0.1229,0.1411,0.1633,0.1772,0.1847,0.14610000000000001]
["2019Q1",0.123,0.1419,0.16420000000000001,0.17849999999999999,0.1867,0.1469]
["2019Q2",0.1236,0.14299999999999999,0.16550000000000001,0.17960000000000001,0.18759999999999999,0.14749999999999999]
["2019Q3",0.12379999999999999,0.1439,0.1666,0.18090000000000001,0.1895,0.14829999999999999]
["2019Q4",0.1242,0.1449,0.1676,0.182,0.19040000000000001,0.1492]
["2020Q1",0.1246,0.1464,0.16900000000000001,0.1835,0.1925,0.15060000000000001]
["2020Q2",0.125,0.14729999999999999,0.16919999999999999,0.183,0.191,0.15]
["2020Q3",0.12540000000000001,0.14829999999999999,0.1706,0.184,0.19120000000000001,0.15010000000000001]
["2020Q4",0.1255,0.14860000000000001,0.1714,0.18529999999999999,0.19239999999999999,0.15049999999999999]
["2021Q1",0.12529999999999999,0.14910000000000001,0.17249999999999999,0.18640000000000001,0.19359999999999999,0.15090000000000001]
["2021Q2",0.1258,0.1502,0.17430000000000001,0.18840000000000001,0.19539999999999999,0.1515]
["2021Q3",0.1263,0.1507,0.17530000000000001,0.18990000000000001,0.19769999999999999,0.15260000000000001]
["2021Q4",0.12709999999999999,0.1515,0.17610000000000001,0.19109999999999999,0.1996,0.15379999999999999]
["2022Q1",0.1278,0.15229999999999999,0.17680000000000001,0.19170000000000001,0.2006,0.15479999999999999]
["2022Q2",0.12790000000000001,0.15190000000000001,0.17599999999999999,0.1905,0.19900000000000001,0.15429999999999999]
["2022Q3",0.12790000000000001,0.1517,0.17549999999999999,0.18970000000000001,0.1983,0.15429999999999999]
["2022Q4",0.12790000000000001,0.1515,0.17519999999999999,0.18940000000000001,0.19789999999999999,0.15440000000000001]
["2023Q1",0.12939999999999999,0.1537,0.17760000000000001,0.1915,0.2001,0.15659999999999999]
["2023Q2",0.13009999999999999,0.155,0.17899999999999999,0.19259999999999999,0.20019999999999999,0.15720000000000001]
["2023Q3",0.13120000000000001,0.15620000000000001,0.1797,0.19289999999999999,0.20019999999999999,0.15820000000000001]
["2023Q4",0.13200000000000001,0.15720000000000001,0.1807,0.19359999999999999,0.20100000000000001,0.15909999999999999]
["2024Q1",0.13270000000000001,0.158,0.18099999999999999,0.19370000000000001,0.2009,0.1598]
["2024Q2",0.1333,0.1588,0.1817,0.19409999999999999,0.20100000000000001,0.16]
["2024Q3",0.13450000000000001,0.1603,0.18290000000000001,0.1948,0.20180000000000001,0.1613]
["2024Q4",0.13719999999999999,0.16350000000000001,0.18529999999999999,0.19650000000000001,0.20349999999999999,0.1641]
[]
["Figure 30"]
["TOTAL YEARLY PURCHASE VOLUME ON GENERAL PURPOSE CARDS WITH AND WITHOUT AN INTRODUCTORY APR PROMOTION (Y-14)"]
["Year","Cards in introductory promotions","Cards not in introductory promotions"]
[2015,149311000000,150826000000]
[2016,240239000000,262867000000]
[2017,316514000000,419577000000]
[2018,388616000000,559969000000]
[2019,443676000000,705539000000]
[2020,436509000000,712882000000]
[2021,594827000000,983858000000]
[2022,751668000000,1250000000000]
[2023,838686000000,1481000000000]
[2024,899303000000,1680000000000]
[]
["Figure 31"]
["SHARE OF GENERAL PURPOSE CREDIT CARDS ORIGINATED WITH AN INTRODUCTORY PROMOTIONAL INTEREST RATE BY ORIGINATION CREDIT SCORE (Y-14)"]
["Credit score tier","Share"]
["Below-prime",0.34899999999999998]
["Prime",0.59989999999999999]
["Prime plus",0.55479999999999996]
["Superprime",0.39750000000000002]
[]
["Figure 32 (A)"]
["AVERAGE PURCHASE VOLUME BY MONTH SINCE ORIGINATION ON GENERAL PURPOSE CARDS BY ORIGINATION CREDIT SCORE, PANEL A: WITH INTRODUCTORY APR PROMOTIONS (Y-14)"]
["Months since origination","Below-prime","Prime","Prime plus","Superprime"]
[0,256.61,276.75,328.16,435.74]
[1,473.81,650.48,815.67,1008]
[2,367.34,579.46,741.15,925.13]
[3,280.07,463.14,625.91999999999996,807.28]
[4,248.31,412.28,575.51,756.8]
[5,230.89,381.7,547.59,731.05]
[6,231.72,364.36,528.76,714.06]
[7,259.29000000000002,361.84,517.04,701.26]
[8,236.86,348.87,507.08,690.36]
[9,226.52,339.77,499.1,684.71]
[10,228.09,336.13,493.64,679.22]
[11,223.47,331.77,489.88,674.55]
[12,228.23,329.45,483.87,668.87]
[13,222.24,321.82,470.65,653.92999999999995]
[14,216.92,317.94,461.46,641.23]
[15,214.06,312.12,453.26,633.02]
[16,213.82,308.45,448.67,629.15]
[17,211.97,304.5,445.54,628.32000000000005]
[18,209.55,300.35000000000002,442.18,626.03]
[19,210.07,298.94,440.58,624.22]
[20,209.76,297.75,439.77,623.01]
[21,209.53,297.2,439.51,623.63]
[22,210.2,297.18,440.25,625.38]
[23,211.83,298.57,443.6,629.83000000000004]
[24,214.18,300.35000000000002,445.92,634.27]
[25,214.9,300.97000000000003,447.23,636.48]
[26,214.88,299.44,445.09,634.16999999999996]
[27,215.33,298.2,443.61,632.41]
[28,216.23,297.72000000000003,443.65,633.6]
[29,217.37,298.56,444.57,637.04]
[30,218.1,298.32,445.25,637.83000000000004]
[31,219.83,299.05,446.06,640.26]
[32,221.62,299.49,447.08,641.76]
[33,222.55,300.68,449.08,644.82000000000005]
[34,224.75,301.8,451.82,650.41]
[35,227.18,304.43,456.29,656.46]
[36,230.4,307.14,459.2,661.76]
[]
["Figure 32 (B)"]
["AVERAGE PURCHASE VOLUME BY MONTH SINCE ORIGINATION ON GENERAL PURPOSE CARDS BY ORIGINATION CREDIT SCORE, PANEL B: WITHOUT INTRODUCTORY APR PROMOTIONS (Y-14)"]
["Months since origination","Below-prime","Prime","Prime plus","Superprime"]
[0,145.13,167.67,179.95,202.76]
[1,274.83,431.7,516.59,554.29]
[2,223.74,428.8,530.94000000000005,554.63]
[3,177.38,371.73,473.67,491.04]
[4,160.13,339.99,446.57,462.66]
[5,150.56,321.39,433.84,452.23]
[6,156.41,311.81,424.99,443.55]
[7,189.47,315.83999999999997,423.3,439.77]
[8,167.05,305.68,418.41,435.26]
[9,158.27000000000001,298.10000000000002,414.63,432.72]
[10,160.68,293.61,411.02,429.94]
[11,157.53,291.26,409.95,428.14]
[12,158.33000000000001,273.83,379.11,393.72]
[13,148.09,253.3,362.48,387.43]
[14,145.43,250.59,363.34,389.57]
[15,144.47999999999999,249.86,367.48,396.76]
[16,146.27000000000001,252.17,373.8,406.54]
[17,145.63999999999999,252.13,378,414.46]
[18,145.37,253.62,383.32,422.54]
[19,146.16,255.92,389.31,431.6]
[20,146.5,258.88,396.04,439.75]
[21,147.13999999999999,261.02999999999997,402.38,447.33]
[22,147.71,262.89999999999998,407.53,453.41]
[23,149.35,266.83,415.19,462.07]
[24,150.47999999999999,267.2,412.71,461.22]
[25,151.68,267.69,416.26,466.85]
[26,151.80000000000001,268.07,421.52,473.77]
[27,153.05000000000001,269,424.72,479.76]
[28,155.15,272.37,431.68,487.86]
[29,156.6,274.57,435.51,493.26]
[30,157.71,276.55,440.08,500.26]
[31,159.36000000000001,278.79000000000002,444.55,505.09]
[32,160.61000000000001,281.31,450.36,513.16999999999996]
[33,162,283.98,457.16,523.9]
[34,162.93,286.95,462.55,530.58000000000004]
[35,164.48,290.35000000000002,470.39,540.09]
[36,166.27,294.11,474.34,547.20000000000005]
[]
["Figure 33 (A)"]
["AVERAGE BALANCE BY MONTH SINCE ORIGINATION ON GENERAL PURPOSE CARDS BY ORIGINATION CREDIT SCORE, PANEL A: WITH INTRODUCTORY APR PROMOTIONS (Y-14)"]
["Months since origination","Below-prime","Prime","Prime plus","Superprime"]
[0,221.53,323.23,419.92,411.14]
[1,619.02,1197,1782,1664]
[2,825.91,1665,2335,2087]
[3,911.74,1845,2487,2146]
[4,961.14,1951,2561,2155]
[5,994.19,2020,2597,2142]
[6,1028,2066,2607,2110]
[7,1087,2110,2609,2071]
[8,1115,2135,2593,2026]
[9,1133,2150,2568,1977]
[10,1159,2161,2532,1919]
[11,1177,2161,2485,1852]
[12,1191,2144,2401,1756]
[13,1210,2133,2326,1666]
[14,1219,2117,2244,1572]
[15,1225,2091,2130,1444]
[16,1231,2072,2026,1318]
[17,1242,2069,1970,1262]
[18,1249,2059,1912,1206]
[19,1259,2055,1864,1158]
[20,1268,2055,1833,1125]
[21,1278,2055,1805,1095]
[22,1289,2057,1781,1069]
[23,1298,2063,1776,1063]
[24,1307,2070,1771,1060]
[25,1321,2082,1775,1063]
[26,1331,2090,1778,1064]
[27,1341,2097,1780,1064]
[28,1351,2103,1783,1066]
[29,1360,2112,1786,1069]
[30,1371,2119,1790,1071]
[31,1381,2125,1793,1072]
[32,1393,2134,1797,1073]
[33,1403,2142,1801,1075]
[34,1414,2151,1806,1078]
[35,1427,2158,1812,1082]
[36,1439,2168,1817,1087]
[]
["Figure 33 (B)"]
["AVERAGE BALANCE BY MONTH SINCE ORIGINATION ON GENERAL PURPOSE CARDS BY ORIGINATION CREDIT SCORE, PANEL B: WITHOUT INTRODUCTORY APR PROMOTIONS (Y-14)"]
["Months since origination","Below-prime","Prime","Prime plus","Superprime"]
[0,111.57,122.56,127.45,148.19]
[1,264.74,400.35,425.8,465.26]
[2,359.65,578.29,527.28,501.31]
[3,401.93,677.25,554.33000000000004,461.86]
[4,429.51,749.96,584.79,447.21]
[5,451.31,810.61,617.97,447.46]
[6,479.22,861.66,645.4,448.45]
[7,533.67999999999995,915.35,673.79,452.34]
[8,561.4,955.05,695.15,454.42]
[9,581.09,986.35,713.33,457.27]
[10,601.79,1013,728.92,458.1]
[11,617.54999999999995,1038,743.09,458.53]
[12,621.42999999999995,998.79,699.94,421.56]
[13,636.29999999999995,1009,711,428.94]
[14,649.99,1037,735.51,436.18]
[15,661.65,1062,760.34,448.04]
[16,675.43,1088,785.39,461.8]
[17,687.25,1109,808.74,475.44]
[18,699.27,1135,835.26,489.83]
[19,710.95,1159,860.59,504.15]
[20,723.1,1185,885.06,517.23]
[21,736.38,1207,906.96,529.17999999999995]
[22,749.14,1227,926.32,538.72]
[23,761.61,1246,946.39,550.26]
[24,771.28,1250,939.21,546.01]
[25,788.11,1279,972.43,565.23]
[26,802,1299,996.43,576.29]
[27,814.57,1310,1008,583.22]
[28,831.27,1328,1026,592.75]
[29,844.92,1343,1040,601.22]
[30,858.54,1357,1055,610.32000000000005]
[31,871.39,1371,1068,617.41]
[32,885.58,1388,1085,628.16999999999996]
[33,899.99,1406,1105,642.54]
[34,914.07,1421,1119,650.54]
[35,928.58,1435,1133,659.6]
[36,941.87,1444,1135,665.01]
[]
["Figure 34"]
["SHARE OF GENERAL PURPOSE CREDIT CARD ACCOUNTS REVOLVING A BALANCE BY ORIGINATION CREDIT SCORE (Y-14)"]
["Credit score tier","Non-promotional accounts","Promotional accounts the month after promotion end"]
["Below-prime",0.59219999999999995,0.66920000000000002]
["Prime",0.46389999999999998,0.5696]
["Prime plus",0.25240000000000001,0.36619999999999997]
["Superprime",0.13739999999999999,0.1996]
[]
["Figure 35"]
["AVERAGE INTEREST CHARGED TO GENERAL PURPOSE CREDIT CARDS IN THE FIRST THREE YEARS AFTER ORIGINATION BY ORIGINATION CREDIT SCORE (Y-14)"]
["Credit score tier","No introductory promotion","Introductory promotion"]
["Below-prime",346.29,511.76]
["Prime",450.52,661.74]
["Prime plus",220.15,401.62]
["Superprime",59.85,127.48]
[]
["Figure 36"]
["ANNUAL TOTAL FEES CHARGED (Y-14+)"]
["Year","Annual fee","Late fee","Other fees"]
[2015,2974000000,9877000000,4201000000]
[2016,3425000000,11504000000,4161000000]
[2017,3995000000,12403000000,4188000000]
[2018,4391000000,13002000000,4347000000]
[2019,5004000000,14236000000,4485000000]
[2020,5404000000,11854000000,3356000000]
[2021,5877000000,11359000000,3565000000]
[2022,6427000000,14550000000,4471000000]
[2023,7411000000,16903000000,5078000000]
[2024,8669000000,17033000000,5628000000]
[]
["Figure 37"]
["ANNUAL FEE PREVALENCE, GENERAL PURPOSE (Y-14)"]
["Year","Superprime","Prime plus","Prime","Near-prime","Subprime and deep subprime","Overall"]
[2015,0.14099999999999999,0.14219999999999999,0.18640000000000001,0.27079999999999999,0.38840000000000002,0.1835]
[2016,0.1389,0.1439,0.17929999999999999,0.24979999999999999,0.33989999999999998,0.17560000000000001]
[2017,0.1467,0.152,0.1716,0.22339999999999999,0.29389999999999999,0.1731]
[2018,0.15859999999999999,0.15060000000000001,0.16900000000000001,0.21029999999999999,0.26290000000000002,0.1714]
[2019,0.1754,0.14610000000000001,0.16600000000000001,0.2006,0.2419,0.1721]
[2020,0.18290000000000001,0.14630000000000001,0.1623,0.19159999999999999,0.22320000000000001,0.17130000000000001]
[2021,0.1825,0.14480000000000001,0.15679999999999999,0.17799999999999999,0.19339999999999999,0.1656]
[2022,0.186,0.14829999999999999,0.14979999999999999,0.15909999999999999,0.16500000000000001,0.1633]
[2023,0.1895,0.14680000000000001,0.13850000000000001,0.14219999999999999,0.14710000000000001,0.1593]
[2024,0.1948,0.1469,0.13519999999999999,0.13880000000000001,0.14430000000000001,0.1603]
[]
["Figure 38"]
["AVERAGE ANNUAL FEE, GENERAL PURPOSE (Y-14)"]
["Year","Superprime","Prime plus","Prime","Near-prime","Subprime","Overall"]
[2015,82.18,73.45,54,46.53,41.58,62.08]
[2016,85.88,77.02,56.21,47.73,41.4,65.33]
[2017,99.8,91.17,61.98,51.74,43.66,76.19]
[2018,107.05,90.59,64.73,54.56,45.37,80.78]
[2019,117.13,92.48,70,58.59,47.44,87.91]
[2020,121.52,96.57,73.87,60.73,48.97,93.73]
[2021,125.08,99.71,74.83,60.58,49.45,98.22]
[2022,129.4,107.69,81.87,67.010000000000005,53.42,104.68]
[2023,136.47999999999999,118.05,92.04,76.02,59.54,114.02]
[2024,148.22999999999999,134.08000000000001,104.09,84.21,64.86,127.02]
[]
["Figure 39"]
["QUARTERLY LATE FEES CHARGED, 2024 (Y-14+)"]
["Quarter","Late fee "]
["2015Q1",2398000000]
["2015Q2",2223000000]
["2015Q3",2572000000]
["2015Q4",2685000000]
["2016Q1",2732000000]
["2016Q2",2672000000]
["2016Q3",2994000000]
["2016Q4",3106000000]
["2017Q1",3081000000]
["2017Q2",2963000000]
["2017Q3",3194000000]
["2017Q4",3166000000]
["2018Q1",3225000000]
["2018Q2",3003000000]
["2018Q3",3322000000]
["2018Q4",3452000000]
["2019Q1",3556000000]
["2019Q2",3360000000]
["2019Q3",3634000000]
["2019Q4",3687000000]
["2020Q1",3697000000]
["2020Q2",2671000000]
["2020Q3",2635000000]
["2020Q4",2851000000]
["2021Q1",2703000000]
["2021Q2",2511000000]
["2021Q3",2931000000]
["2021Q4",3214000000]
["2022Q1",3388000000]
["2022Q2",3386000000]
["2022Q3",3763000000]
["2022Q4",4014000000]
["2023Q1",4088000000]
["2023Q2",4025000000]
["2023Q3",4331000000]
["2023Q4",4458000000]
["2024Q1",4380000000]
["2024Q2",4139000000]
["2024Q3",4277000000]
["2024Q4",4237000000]
[]
["Figure 40"]
["AVERAGE LATE FEE INCIDENCE PER YEAR, 2024 (Y-14+)"]
["Credit score tier","General purpose","Private label"]
["Superprime",0.19170000000000001,0.32269999999999999]
["Prime plus",0.4178,0.72529999999999994]
["Prime",0.93540000000000001,1.31]
["Near-prime",1.68,1.86]
["Subprime",2.57,2.7]
["Deep subprime",3.69,4.74]
["Overall",0.88439999999999996,1.32]
[]
["Figure 41"]
["ANNUAL OTHER FEES CHARGED (Y-14+)"]
["Year","Balance transfer","Debt suspension","Other","Cash advance"]
[2015,1219000000,1373000000,946904255.05723202,662221000]
[2016,1326000000,1154000000,951236535.76765919,729244000]
[2017,1418000000,1037000000,1018788157.6157207,714092000]
[2018,1441000000,1045000000,1130086383.061434,730536000]
[2019,1660000000,1051000000,1037119231.7575123,736638000]
[2020,1067000000,972966000,774112122.10759354,541844000]
[2021,1057000000,946694000,922376459.15087879,638570000]
[2022,1461000000,1153000000,1138233644.2491264,719026000]
[2023,1767000000,1366000000,1193822013.7595067,751694000]
[2024,2120000000,1454000000,1281790340.9357305,771853000]

{"sheet":"Section 4 - Pmts, Debt, Coll.","index":4,"n_rows":621,"n_cols":7,"rows_kept":621,"cut":false,"hidden":false,"merged":[]}
["Section 4 - Payments, debt, and collections"]
[]
[]
["Figure 42"]
["QUARTERLY CREDIT CARD PAYMENT RATES (Y-14+)"]
["Quarter","General purpose","Private label"]
["2015Q1",0.27360000000000001,0.15]
["2015Q2",0.27900000000000003,0.14419999999999999]
["2015Q3",0.28179999999999999,0.13930000000000001]
["2015Q4",0.27429999999999999,0.13780000000000001]
["2016Q1",0.2777,0.1444]
["2016Q2",0.2828,0.13819999999999999]
["2016Q3",0.28499999999999998,0.1338]
["2016Q4",0.27889999999999998,0.13389999999999999]
["2017Q1",0.28639999999999999,0.13739999999999999]
["2017Q2",0.29430000000000001,0.13200000000000001]
["2017Q3",0.29449999999999998,0.12640000000000001]
["2017Q4",0.2903,0.1265]
["2018Q1",0.2969,0.13139999999999999]
["2018Q2",0.30969999999999998,0.129]
["2018Q3",0.31069999999999998,0.12470000000000001]
["2018Q4",0.30470000000000003,0.12379999999999999]
["2019Q1",0.30609999999999998,0.12839999999999999]
["2019Q2",0.31819999999999998,0.12720000000000001]
["2019Q3",0.31909999999999999,0.12640000000000001]
["2019Q4",0.31530000000000002,0.126]
["2020Q1",0.31569999999999998,0.12989999999999999]
["2020Q2",0.28589999999999999,0.1305]
["2020Q3",0.32769999999999999,0.1333]
["2020Q4",0.34810000000000002,0.13400000000000001]
["2021Q1",0.36559999999999998,0.14460000000000001]
["2021Q2",0.4128,0.15210000000000001]
["2021Q3",0.41980000000000001,0.14430000000000001]
["2021Q4",0.41830000000000001,0.1444]
["2022Q1",0.40429999999999999,0.14499999999999999]
["2022Q2",0.42470000000000002,0.1434]
["2022Q3",0.41070000000000001,0.13669999999999999]
["2022Q4",0.39069999999999999,0.13220000000000001]
["2023Q1",0.377,0.13189999999999999]
["2023Q2",0.38729999999999998,0.13059999999999999]
["2023Q3",0.3785,0.1265]
["2023Q4",0.36509999999999998,0.1242]
["2024Q1",0.36130000000000001,0.1265]
["2024Q2",0.37540000000000001,0.1273]
["2024Q3",0.36969999999999997,0.1241]
["2024Q4",0.36680000000000001,0.1241]
[]
["Figure 43"]
["PAYMENT RATE, 2024 (Y-14+)"]
["Credit score tier","General purpose","Private label"]
["Superprime",1.0284425020217896,0.27800000000000002]
["Prime plus",0.3952,0.14710000000000001]
["Prime",0.15290000000000001,9.64E-2]
["Near-prime",0.1201,8.2400000000000001E-2]
["Subprime",0.1091,7.5300000000000006E-2]
["Deep subprime",8.09E-2,5.3999999999999999E-2]
[]
["Figure 44"]
["ANNUAL SHARE OF ACCOUNTS BY PAYMENT AMOUNT (Y-14)"]
["Year","Less than 10% of total balance","At least 10% but less than total balance","Total balance"]
[2015,0.41020000000000001,0.2271,0.36270000000000002]
[2016,0.41310000000000002,0.22670000000000001,0.36020000000000002]
[2017,0.41070000000000001,0.2253,0.3639]
[2018,0.40100000000000002,0.2127,0.38629999999999998]
[2019,0.39119999999999999,0.21129999999999999,0.39750000000000002]
[2020,0.36499999999999999,0.21279999999999999,0.42230000000000001]
[2021,0.31619999999999998,0.22220000000000001,0.4617]
[2022,0.33090000000000003,0.22770000000000001,0.44140000000000001]
[2023,0.35010000000000002,0.22489999999999999,0.4249]
[2024,0.35389999999999999,0.2208,0.42530000000000001]
[]
["Figure 45"]
["SHARE OF ACCOUNTS MAKING JUST THE MINIMUM PAYMENT DUE, 2024 (Y-14+)"]
["Credit score tier","General purpose","Private label"]
["Superprime",5.5300000000000002E-2,7.6899999999999996E-2]
["Prime plus",0.10390000000000001,0.1502]
["Prime",0.22650000000000001,0.25779999999999997]
["Near-prime",0.29420000000000002,0.33169999999999999]
["Subprime",0.30930000000000002,0.34610000000000002]
["Deep subprime",0.25750000000000001,0.26640000000000003]
["Overall",0.1482,0.19789999999999999]
[]
["Figure 46"]
["AVERAGE MINIMUM PAYMENT DUE, REVOLVING ACCOUNTS, 2024 (Y-14+)"]
["Credit score tier","General purpose","Private label"]
["Superprime",73.819999999999993,65]
["Prime plus",133.84,75.47]
["Prime",145.77000000000001,76.7]
["Near-prime",115.39,72.66]
["Subprime",105.91,77.53]
["Deep subprime",170.93,135.09]
["Overall",128.62,81.19]
[]
["Figure 47"]
["QUARTERLY SHARE OF ACTIVE ACCOUNTS REVOLVING (Y-14+)"]
["Quarter","General purpose","Private label"]
["2019Q1",0.51039999999999996,0.56089999999999995]
["2019Q2",0.49430000000000002,0.53939999999999999]
["2019Q3",0.4995,0.54369999999999996]
["2019Q4",0.49919999999999998,0.54290000000000005]
["2020Q1",0.50509999999999999,0.56559999999999999]
["2020Q2",0.47820000000000001,0.53590000000000004]
["2020Q3",0.4597,0.53469999999999995]
["2020Q4",0.45889999999999997,0.53939999999999999]
["2021Q1",0.45129999999999998,0.54069999999999996]
["2021Q2",0.42559999999999998,0.51039999999999996]
["2021Q3",0.44090000000000001,0.52159999999999995]
["2021Q4",0.4501,0.52249999999999996]
["2022Q1",0.46400000000000002,0.54269999999999996]
["2022Q2",0.45750000000000002,0.52759999999999996]
["2022Q3",0.47320000000000001,0.54010000000000002]
["2022Q4",0.4839,0.54120000000000001]
["2023Q1",0.49440000000000001,0.5585]
["2023Q2",0.48299999999999998,0.54390000000000005]
["2023Q3",0.4924,0.55549999999999999]
["2023Q4",0.49690000000000001,0.55679999999999996]
["2024Q1",0.499,0.57179999999999997]
["2024Q2",0.4854,0.55320000000000003]
["2024Q3",0.49,0.56379999999999997]
["2024Q4",0.4879,0.55989999999999995]
[]
["Figure 48"]
["QUARTERLY SHARE OF BALANCES REVOLVING (Y-14+)"]
["Quarter","General purpose","Private label"]
["2019Q1",0.84650000000000003,0.94479999999999997]
["2019Q2",0.83030000000000004,0.92720000000000002]
["2019Q3",0.83079999999999998,0.91639999999999999]
["2019Q4",0.83199999999999996,0.91959999999999997]
["2020Q1",0.84389999999999998,0.94220000000000004]
["2020Q2",0.86829999999999996,0.9456]
["2020Q3",0.83819999999999995,0.92959999999999998]
["2020Q4",0.82169999999999999,0.92330000000000001]
["2021Q1",0.82450000000000001,0.93689999999999996]
["2021Q2",0.7863,0.91549999999999998]
["2021Q3",0.78749999999999998,0.92120000000000002]
["2021Q4",0.7853,0.91379999999999995]
["2022Q1",0.8044,0.93289999999999995]
["2022Q2",0.78459999999999996,0.91849999999999998]
["2022Q3",0.79649999999999999,0.92300000000000004]
["2022Q4",0.80520000000000003,0.91979999999999995]
["2023Q1",0.82269999999999999,0.9385]
["2023Q2",0.80810000000000004,0.92810000000000004]
["2023Q3",0.81669999999999998,0.93159999999999998]
["2023Q4",0.82120000000000004,0.92789999999999995]
["2024Q1",0.83220000000000005,0.94350000000000001]
["2024Q2",0.81879999999999997,0.93340000000000001]
["2024Q3",0.82410000000000005,0.93630000000000002]
["2024Q4",0.82199999999999995,0.93179999999999996]
[]
["Figure 49"]
["QUARTERLY SHARE OF ACTIVE ACCOUNTS REVOLVING, GENERAL PURPOSE (Y-14+)"]
["Quarter","Superprime and prime plus","Prime","Near-prime","Subprime","Deep subprime","Overall"]
["2019Q1",0.33090000000000003,0.73219999999999996,0.82469999999999999,0.84379999999999999,0.87909999999999999,0.51039999999999996]
["2019Q2",0.31730000000000003,0.72160000000000002,0.81299999999999994,0.83209999999999995,0.87150000000000005,0.49430000000000002]
["2019Q3",0.32450000000000001,0.72389999999999999,0.81440000000000001,0.83430000000000004,0.87380000000000002,0.4995]
["2019Q4",0.31979999999999997,0.72350000000000003,0.82069999999999999,0.84430000000000005,0.88759999999999994,0.49919999999999998]
["2020Q1",0.32619999999999999,0.72809999999999997,0.82120000000000004,0.83919999999999995,0.87709999999999999,0.50509999999999999]
["2020Q2",0.30690000000000001,0.71099999999999997,0.79220000000000002,0.80330000000000001,0.84,0.47820000000000001]
["2020Q3",0.2994,0.69440000000000002,0.77590000000000003,0.78800000000000003,0.8266,0.4597]
["2020Q4",0.29849999999999999,0.6956,0.78080000000000005,0.79420000000000002,0.8387,0.45889999999999997]
["2021Q1",0.29270000000000002,0.68420000000000003,0.76700000000000002,0.77529999999999999,0.81850000000000001,0.45129999999999998]
["2021Q2",0.27760000000000001,0.65680000000000005,0.72940000000000005,0.7329,0.77829999999999999,0.42559999999999998]
["2021Q3",0.2893,0.66559999999999997,0.74609999999999999,0.76,0.8085,0.44090000000000001]
["2021Q4",0.29199999999999998,0.67200000000000004,0.75890000000000002,0.77929999999999999,0.83350000000000002,0.4501]
["2022Q1",0.30230000000000001,0.68389999999999995,0.77159999999999995,0.78939999999999999,0.8387,0.46400000000000002]
["2022Q2",0.29559999999999997,0.67569999999999997,0.76439999999999997,0.7863,0.84079999999999999,0.45750000000000002]
["2022Q3",0.30480000000000002,0.68969999999999998,0.78339999999999999,0.80830000000000002,0.86219999999999997,0.47320000000000001]
["2022Q4",0.30890000000000001,0.70230000000000004,0.79990000000000006,0.8246,0.87749999999999995,0.4839]
["2023Q1",0.31340000000000001,0.70889999999999997,0.80549999999999999,0.82630000000000003,0.87280000000000002,0.49440000000000001]
["2023Q2",0.30409999999999998,0.70469999999999999,0.79959999999999998,0.81989999999999996,0.86809999999999998,0.48299999999999998]
["2023Q3",0.31030000000000002,0.71440000000000003,0.81159999999999999,0.83250000000000002,0.88049999999999995,0.4924]
["2023Q4",0.31090000000000001,0.72209999999999996,0.8206,0.84160000000000001,0.89,0.49690000000000001]
["2024Q1",0.3135,0.7268,0.82069999999999999,0.83620000000000005,0.88219999999999998,0.499]
["2024Q2",0.30259999999999998,0.71789999999999998,0.81200000000000006,0.82779999999999998,0.87460000000000004,0.4854]
["2024Q3",0.30719999999999997,0.7218,0.81659999999999999,0.83430000000000004,0.88160000000000005,0.49]
["2024Q4",0.30409999999999998,0.72050000000000003,0.81799999999999995,0.83709999999999996,0.88400000000000001,0.4879]
[]
["Figure 50"]
["SHARE OF ACTIVE ACCOUNTS REVOLVING, 2024 (Y-14+)"]
[null,"General purpose","Private label"]
["Superprime",0.19639999999999999,0.24160000000000001]
["Prime plus",0.41860000000000003,0.51019999999999999]
["Prime",0.72170000000000001,0.70330000000000004]
["Near-prime",0.81679999999999997,0.78790000000000004]
["Subprime",0.83389999999999997,0.82299999999999995]
["Deep subprime",0.88060000000000005,0.87529999999999997]
[]
["Figure 51"]
["ANNUAL SHARE OF ACCOUNTS IN PERSISTENT DEBT, GENERAL PURPOSE (Y-14)"]
["Year","Superprime","Prime plus","Prime","Near-prime","Subprime and deep subprime","Overall"]
[2015,1.17E-2,5.3999999999999999E-2,0.1648,0.2339,0.33289999999999997,0.104]
[2016,1.5100000000000001E-2,5.5899999999999998E-2,0.16689999999999999,0.24129999999999999,0.34810000000000002,0.107]
[2017,1.6500000000000001E-2,5.8799999999999998E-2,0.17699999999999999,0.25640000000000002,0.36699999999999999,0.1134]
[2018,1.78E-2,6.3700000000000007E-2,0.19189999999999999,0.26889999999999997,0.37609999999999999,0.11799999999999999]
[2019,1.9699999999999999E-2,6.59E-2,0.19980000000000001,0.2722,0.37309999999999999,0.1192]
[2020,2.2599999999999999E-2,5.8099999999999999E-2,0.17449999999999999,0.2278,0.29749999999999999,9.9199999999999997E-2]
[2021,2.3800000000000002E-2,5.3499999999999999E-2,0.15279999999999999,0.19,0.25190000000000001,8.4099999999999994E-2]
[2022,2.3400000000000001E-2,6.0400000000000002E-2,0.17169999999999999,0.22120000000000001,0.31709999999999999,9.9199999999999997E-2]
[2023,2.35E-2,7.1300000000000002E-2,0.2137,0.28179999999999999,0.39350000000000002,0.1234]
[2024,2.4199999999999999E-2,7.3999999999999996E-2,0.2311,0.30370000000000003,0.41060000000000002,0.13]
[]
["Figure 52"]
["MONTHLY SHARE OF BALANCES 60 OR MORE DAYS DELINQUENT (CCIP)"]
["Date","General purpose","Private label"]
["2014-01-29",1.9699999999999999E-2,2.9600000000000001E-2]
["2014-02-26",0.02,0.03]
["2014-03-29",1.9599999999999999E-2,2.86E-2]
["2014-04-30",1.8200000000000001E-2,2.69E-2]
["2014-05-31",1.7299999999999999E-2,2.6100000000000002E-2]
["2014-06-28",1.6799999999999999E-2,2.6200000000000001E-2]
["2014-07-30",1.6799999999999999E-2,2.75E-2]
["2014-08-30",1.6799999999999999E-2,2.86E-2]
["2014-09-27",1.72E-2,2.9700000000000001E-2]
["2014-10-29",1.78E-2,3.1E-2]
["2014-11-29",1.83E-2,3.0800000000000001E-2]
["2014-12-31",1.8100000000000002E-2,2.8799999999999999E-2]
["2015-01-31",1.83E-2,2.9499999999999998E-2]
["2015-02-28",1.8200000000000001E-2,3.0099999999999998E-2]
["2015-03-28",1.78E-2,2.8299999999999999E-2]
["2015-04-29",1.6899999999999998E-2,2.7300000000000001E-2]
["2015-05-30",1.6199999999999999E-2,2.6200000000000001E-2]
["2015-06-27",1.6E-2,2.53E-2]
["2015-07-29",1.6199999999999999E-2,2.58E-2]
["2015-08-29",1.66E-2,2.6599999999999999E-2]
["2015-09-30",1.7000000000000001E-2,2.8500000000000001E-2]
["2015-10-31",1.78E-2,2.9499999999999998E-2]
["2015-11-28",1.8200000000000001E-2,3.0300000000000001E-2]
["2015-12-30",1.8700000000000001E-2,2.93E-2]
["2016-01-30",1.8700000000000001E-2,2.9700000000000001E-2]
["2016-02-27",1.8800000000000001E-2,2.9899999999999999E-2]
["2016-03-30",1.8599999999999998E-2,2.8799999999999999E-2]
["2016-04-30",1.77E-2,2.7799999999999998E-2]
["2016-05-28",1.6899999999999998E-2,2.7E-2]
["2016-06-29",1.6899999999999998E-2,2.8000000000000001E-2]
["2016-07-30",1.7299999999999999E-2,2.9100000000000001E-2]
["2016-08-31",1.77E-2,3.0200000000000001E-2]
["2016-09-28",1.84E-2,3.1699999999999999E-2]
["2016-10-29",1.9300000000000001E-2,3.2099999999999997E-2]
["2016-11-30",2.0299999999999999E-2,3.3500000000000002E-2]
["2016-12-31",2.0400000000000001E-2,3.2500000000000001E-2]
["2017-01-28",2.0799999999999999E-2,3.32E-2]
["2017-02-25",2.1299999999999999E-2,3.4500000000000003E-2]
["2017-03-29",2.0899999999999998E-2,3.39E-2]
["2017-04-29",1.9900000000000001E-2,3.27E-2]
["2017-05-31",1.9199999999999998E-2,3.0800000000000001E-2]
["2017-06-28",1.89E-2,3.1399999999999997E-2]
["2017-07-29",1.9400000000000001E-2,3.2300000000000002E-2]
["2017-08-30",2.0199999999999999E-2,3.4200000000000001E-2]
["2017-09-30",2.0799999999999999E-2,3.6999999999999998E-2]
["2017-10-28",2.1399999999999999E-2,3.7699999999999997E-2]
["2017-11-29",2.2200000000000001E-2,3.8600000000000002E-2]
["2017-12-30",2.2100000000000002E-2,3.5700000000000003E-2]
["2018-01-31",2.2599999999999999E-2,3.7100000000000001E-2]
["2018-02-28",2.2800000000000001E-2,3.8199999999999998E-2]
["2018-03-31",2.2200000000000001E-2,3.6799999999999999E-2]
["2018-04-28",2.1000000000000001E-2,3.56E-2]
["2018-05-30",2.0199999999999999E-2,3.5200000000000002E-2]
["2018-06-30",1.9400000000000001E-2,3.4000000000000002E-2]
["2018-07-28",1.95E-2,3.5400000000000001E-2]
["2018-08-29",0.02,3.6799999999999999E-2]
["2018-09-29",2.0899999999999998E-2,3.7400000000000003E-2]
["2018-10-31",2.1899999999999999E-2,4.0500000000000001E-2]
["2018-11-28",2.2700000000000001E-2,3.9699999999999999E-2]
["2018-12-29",2.2800000000000001E-2,3.7999999999999999E-2]
["2019-01-30",2.3400000000000001E-2,4.0300000000000002E-2]
["2019-02-27",2.3800000000000002E-2,3.9E-2]
["2019-03-30",2.3199999999999998E-2,3.7600000000000001E-2]
["2019-04-27",2.2200000000000001E-2,3.6999999999999998E-2]
["2019-05-29",2.1399999999999999E-2,3.5000000000000003E-2]
["2019-06-29",2.07E-2,3.3300000000000003E-2]
["2019-07-31",2.1000000000000001E-2,3.5099999999999999E-2]
["2019-08-31",2.1299999999999999E-2,3.4599999999999999E-2]
["2019-09-28",2.24E-2,3.7199999999999997E-2]
["2019-10-30",2.3E-2,3.8699999999999998E-2]
["2019-11-30",2.3699999999999999E-2,3.9E-2]
["2019-12-28",2.4299999999999999E-2,3.9300000000000002E-2]
["2020-01-29",2.4400000000000002E-2,3.95E-2]
["2020-02-29",2.41E-2,3.85E-2]
["2020-03-28",2.3599999999999999E-2,3.8699999999999998E-2]
["2020-04-29",2.35E-2,3.85E-2]
["2020-05-30",2.1899999999999999E-2,3.4000000000000002E-2]
["2020-06-27",2.0199999999999999E-2,3.2000000000000001E-2]
["2020-07-29",1.8700000000000001E-2,2.81E-2]
["2020-08-29",1.72E-2,2.52E-2]
["2020-09-30",1.6299999999999999E-2,2.5100000000000001E-2]
["2020-10-31",1.6799999999999999E-2,2.4299999999999999E-2]
["2020-11-28",1.77E-2,2.6200000000000001E-2]
["2020-12-30",1.8499999999999999E-2,2.69E-2]
["2021-01-30",1.95E-2,2.63E-2]
["2021-02-27",1.9699999999999999E-2,2.69E-2]
["2021-03-31",1.84E-2,2.5399999999999999E-2]
["2021-04-28",1.66E-2,2.2499999999999999E-2]
["2021-05-29",1.46E-2,2.01E-2]
["2021-06-30",1.3299999999999999E-2,1.9699999999999999E-2]
["2021-07-31",1.2800000000000001E-2,1.9E-2]
["2021-08-28",1.26E-2,1.9599999999999999E-2]
["2021-09-29",1.29E-2,2.06E-2]
["2021-10-30",1.35E-2,2.12E-2]
["2021-11-27",1.3899999999999999E-2,2.24E-2]
["2021-12-29",1.43E-2,2.2800000000000001E-2]
["2022-01-29",1.5100000000000001E-2,2.3099999999999999E-2]
["2022-02-26",1.5699999999999999E-2,2.53E-2]
["2022-03-30",1.5599999999999999E-2,2.6200000000000001E-2]
["2022-04-30",1.4999999999999999E-2,2.53E-2]
["2022-05-28",1.47E-2,2.53E-2]
["2022-06-29",1.4999999999999999E-2,2.7E-2]
["2022-07-30",1.5699999999999999E-2,2.8199999999999999E-2]
["2022-08-31",1.66E-2,2.9399999999999999E-2]
["2022-09-28",1.78E-2,3.0700000000000002E-2]
["2022-10-29",1.9199999999999998E-2,3.1399999999999997E-2]
["2022-11-30",2.0199999999999999E-2,3.1699999999999999E-2]
["2022-12-31",2.07E-2,3.49E-2]
["2023-01-28",2.18E-2,3.6400000000000002E-2]
["2023-02-25",2.29E-2,3.7900000000000003E-2]
["2023-03-29",2.3199999999999998E-2,3.5000000000000003E-2]
["2023-04-29",2.2800000000000001E-2,3.4099999999999998E-2]
["2023-05-31",2.24E-2,3.2599999999999997E-2]
["2023-06-28",2.2700000000000001E-2,3.3099999999999997E-2]
["2023-07-29",2.35E-2,3.3799999999999997E-2]
["2023-08-30",2.41E-2,3.4700000000000002E-2]
["2023-09-30",2.5600000000000001E-2,3.6900000000000002E-2]
["2023-10-28",2.6599999999999999E-2,3.8899999999999997E-2]
["2023-11-29",2.8400000000000002E-2,3.9800000000000002E-2]
["2023-12-30",2.9000000000000001E-2,3.9600000000000003E-2]
["2024-01-31",3.04E-2,4.0800000000000003E-2]
["2024-02-28",3.1399999999999997E-2,4.1700000000000001E-2]
["2024-03-30",3.0599999999999999E-2,4.0300000000000002E-2]
["2024-04-27",2.9600000000000001E-2,3.8899999999999997E-2]
["2024-05-29",2.8799999999999999E-2,3.7199999999999997E-2]
["2024-06-29",2.8299999999999999E-2,3.6700000000000003E-2]
["2024-07-31",2.86E-2,3.7100000000000001E-2]
["2024-08-31",2.9000000000000001E-2,3.6900000000000002E-2]
["2024-09-28",2.8899999999999999E-2,3.6799999999999999E-2]
["2024-10-30",0.03,3.9800000000000002E-2]
["2024-11-30",3.0300000000000001E-2,3.9899999999999998E-2]
["2024-12-28",2.9600000000000001E-2,3.7900000000000003E-2]
[]
["Figure 53"]
["MONTHLY ANNUALIZED RATE OF BALANCES CHARGED OFF (CCIP)"]
["Date","General purpose","Private label"]
["2014-01-29",2.8400000000000002E-2,6.3200000000000006E-2]
["2014-02-26",2.7799999999999998E-2,6.4000000000000001E-2]
["2014-03-29",3.2300000000000002E-2,6.8199999999999997E-2]
["2014-04-30",3.2899999999999999E-2,6.6900000000000001E-2]
["2014-05-31",2.9499999999999998E-2,5.67E-2]
["2014-06-28",2.5700000000000001E-2,5.3400000000000003E-2]
["2014-07-30",2.6800000000000001E-2,5.6899999999999999E-2]
["2014-08-30",2.5399999999999999E-2,5.3900000000000003E-2]
["2014-09-27",2.2800000000000001E-2,5.8200000000000002E-2]
["2014-10-29",2.4899999999999999E-2,5.7099999999999998E-2]
["2014-11-29",2.7E-2,6.3100000000000003E-2]
["2014-12-31",2.5600000000000001E-2,6.3299999999999995E-2]
["2015-01-31",2.69E-2,6.0100000000000001E-2]
["2015-02-28",2.7E-2,6.5000000000000002E-2]
["2015-03-28",2.75E-2,6.1600000000000002E-2]
["2015-04-29",2.7400000000000001E-2,6.3100000000000003E-2]
["2015-05-30",2.6499999999999999E-2,5.9700000000000003E-2]
["2015-06-27",2.3E-2,5.7099999999999998E-2]
["2015-07-29",2.4199999999999999E-2,6.1499999999999999E-2]
["2015-08-29",2.3599999999999999E-2,5.5500000000000001E-2]
["2015-09-30",2.2700000000000001E-2,5.8299999999999998E-2]
["2015-10-31",2.4799999999999999E-2,5.7000000000000002E-2]
["2015-11-28",2.2700000000000001E-2,5.6800000000000003E-2]
["2015-12-30",2.3199999999999998E-2,6.0699999999999997E-2]
["2016-01-30",2.7300000000000001E-2,6.54E-2]
["2016-02-27",2.5899999999999999E-2,6.9699999999999998E-2]
["2016-03-30",2.8000000000000001E-2,7.2599999999999998E-2]
["2016-04-30",2.9700000000000001E-2,6.8599999999999994E-2]
["2016-05-28",2.6200000000000001E-2,6.2899999999999998E-2]
["2016-06-29",2.7099999999999999E-2,6.6400000000000001E-2]
["2016-07-30",2.8400000000000002E-2,6.59E-2]
["2016-08-31",2.6499999999999999E-2,6.9000000000000006E-2]
["2016-09-28",2.3900000000000001E-2,6.5100000000000005E-2]
["2016-10-29",2.7799999999999998E-2,7.2300000000000003E-2]
["2016-11-30",2.8199999999999999E-2,6.7199999999999996E-2]
["2016-12-31",3.0300000000000001E-2,7.0000000000000007E-2]
["2017-01-28",2.9000000000000001E-2,7.0599999999999996E-2]
["2017-02-25",3.1899999999999998E-2,7.85E-2]
["2017-03-29",3.6299999999999999E-2,8.5000000000000006E-2]
["2017-04-29",3.8199999999999998E-2,8.3299999999999999E-2]
["2017-05-31",3.39E-2,8.0699999999999994E-2]
["2017-06-28",3.2399999999999998E-2,7.2999999999999995E-2]
["2017-07-29",3.39E-2,7.9399999999999998E-2]
["2017-08-30",3.2500000000000001E-2,7.9399999999999998E-2]
["2017-09-30",3.2099999999999997E-2,6.4899999999999999E-2]
["2017-10-28",2.9600000000000001E-2,5.79E-2]
["2017-11-29",3.3599999999999998E-2,6.8400000000000002E-2]
["2017-12-30",3.5900000000000001E-2,7.0099999999999996E-2]
["2018-01-31",3.6299999999999999E-2,7.2700000000000001E-2]
["2018-02-28",3.6299999999999999E-2,7.1800000000000003E-2]
["2018-03-31",3.85E-2,7.3999999999999996E-2]
["2018-04-28",3.8300000000000001E-2,6.6199999999999995E-2]
["2018-05-30",3.8699999999999998E-2,6.9800000000000001E-2]
["2018-06-30",3.7900000000000003E-2,8.14E-2]
["2018-07-28",3.3500000000000002E-2,6.4000000000000001E-2]
["2018-08-29",3.32E-2,6.9699999999999998E-2]
["2018-09-29",3.5900000000000001E-2,8.3500000000000005E-2]
["2018-10-31",3.2500000000000001E-2,6.5299999999999997E-2]
["2018-11-28",3.2199999999999999E-2,8.3299999999999999E-2]
["2018-12-29",3.7199999999999997E-2,7.8299999999999995E-2]
["2019-01-30",3.9E-2,6.7199999999999996E-2]
["2019-02-27",3.6900000000000002E-2,8.7800000000000003E-2]
["2019-03-30",4.3999999999999997E-2,9.7199999999999995E-2]
["2019-04-27",3.73E-2,6.6699999999999995E-2]
["2019-05-29",3.9899999999999998E-2,7.1199999999999999E-2]
["2019-06-29",3.9399999999999998E-2,8.0500000000000002E-2]
["2019-07-31",3.4700000000000002E-2,6.4500000000000002E-2]
["2019-08-31",3.5799999999999998E-2,7.1599999999999997E-2]
["2019-09-28",2.9499999999999998E-2,5.28E-2]
["2019-10-30",3.6900000000000002E-2,5.8500000000000003E-2]
["2019-11-30",3.5900000000000001E-2,8.3799999999999999E-2]
["2019-12-28",3.1E-2,5.28E-2]
["2020-01-29",3.9399999999999998E-2,6.1199999999999997E-2]
["2020-02-29",4.2500000000000003E-2,8.8999999999999996E-2]
["2020-03-28",4.0500000000000001E-2,6.2199999999999998E-2]
["2020-04-29",4.36E-2,6.3799999999999996E-2]
["2020-05-30",4.3200000000000002E-2,8.1900000000000001E-2]
["2020-06-27",3.73E-2,5.7700000000000001E-2]
["2020-07-29",3.5400000000000001E-2,5.8099999999999999E-2]
["2020-08-29",3.5400000000000001E-2,7.0599999999999996E-2]
["2020-09-30",3.3799999999999997E-2,4.6399999999999997E-2]
["2020-10-31",3.0099999999999998E-2,4.9399999999999999E-2]
["2020-11-28",2.5399999999999999E-2,2.8899999999999999E-2]
["2020-12-30",2.5100000000000001E-2,3.5400000000000001E-2]
["2021-01-30",2.7400000000000001E-2,5.2299999999999999E-2]
["2021-02-27",3.1300000000000001E-2,4.6100000000000002E-2]
["2021-03-31",3.5200000000000002E-2,4.9500000000000002E-2]
["2021-04-28",3.3700000000000001E-2,5.04E-2]
["2021-05-29",3.2599999999999997E-2,5.0700000000000002E-2]
["2021-06-30",2.93E-2,4.1099999999999998E-2]
["2021-07-31",2.3699999999999999E-2,4.1099999999999998E-2]
["2021-08-28",2.0500000000000001E-2,3.1800000000000002E-2]
["2021-09-29",2.0799999999999999E-2,3.0499999999999999E-2]
["2021-10-30",1.9699999999999999E-2,3.5000000000000003E-2]
["2021-11-27",1.89E-2,2.87E-2]
["2021-12-29",2.0199999999999999E-2,3.0700000000000002E-2]
["2022-01-29",2.2499999999999999E-2,4.7199999999999999E-2]
["2022-02-26",2.3900000000000001E-2,3.7600000000000001E-2]
["2022-03-30",2.6200000000000001E-2,4.0899999999999999E-2]
["2022-04-30",2.6700000000000002E-2,5.3800000000000001E-2]
["2022-05-28",2.46E-2,0.04]
["2022-06-29",2.4899999999999999E-2,5.0799999999999998E-2]
["2022-07-30",2.4299999999999999E-2,4.4499999999999998E-2]
["2022-08-31",2.46E-2,4.5600000000000002E-2]
["2022-09-28",2.4400000000000002E-2,4.2999999999999997E-2]
["2022-10-29",2.7199999999999998E-2,5.0200000000000002E-2]
["2022-11-30",2.8799999999999999E-2,5.6800000000000003E-2]
["2022-12-31",3.0700000000000002E-2,5.6000000000000001E-2]
["2023-01-28",3.1199999999999999E-2,6.2199999999999998E-2]
["2023-02-25",3.49E-2,7.5700000000000003E-2]
["2023-03-29",3.9899999999999998E-2,7.7399999999999997E-2]
["2023-04-29",3.9399999999999998E-2,7.4200000000000002E-2]
["2023-05-31",3.6999999999999998E-2,6.7500000000000004E-2]
["2023-06-28",3.6999999999999998E-2,6.5100000000000005E-2]
["2023-07-29",3.9699999999999999E-2,7.0300000000000001E-2]
["2023-08-30",3.8100000000000002E-2,6.7100000000000007E-2]
["2023-09-30",4.2599999999999999E-2,7.8700000000000006E-2]
["2023-10-28",4.0399999999999998E-2,6.6900000000000001E-2]
["2023-11-29",4.3999999999999997E-2,8.3900000000000002E-2]
["2023-12-30",4.7500000000000001E-2,8.9200000000000002E-2]
["2024-01-31",5.2299999999999999E-2,8.9599999999999999E-2]
["2024-02-28",5.1200000000000002E-2,8.9700000000000002E-2]
["2024-03-30",5.7000000000000002E-2,9.2100000000000001E-2]
["2024-04-27",5.62E-2,8.6099999999999996E-2]
["2024-05-29",5.67E-2,9.1200000000000003E-2]
["2024-06-29",5.5E-2,8.8200000000000001E-2]
["2024-07-31",5.2900000000000003E-2,8.4599999999999995E-2]
["2024-08-31",5.11E-2,8.5999999999999993E-2]
["2024-09-28",4.7699999999999999E-2,7.3800000000000004E-2]
["2024-10-30",4.9200000000000001E-2,7.5800000000000006E-2]
["2024-11-30",5.1400000000000001E-2,8.7499999999999994E-2]
["2024-12-28",4.9399999999999999E-2,7.7399999999999997E-2]
[]
["Figure 54"]
["DISTRIBUTION OF ORIGINAL CREDITOR TYPE AMONG THIRD-PARTY COLLECTIONS TRADELINES, 2024 (CCIP)"]
["Banking & financial",0.32440000000000002]
["Retail",0.1575]
["Medical",0.1555]
["Telecommunications",0.13389999999999999]
["Other/unknown",0.111]
["Utilities",6.6000000000000003E-2]
["Rental & leasing",5.1799999999999999E-2]
[]
["Figure 55"]
["AVERAGE QUARTERLY PERFORMANCE FOR PRE-CHARGE-OFF COLLECTIONS, WEIGHTED BY ISSUER’S TOTAL RECEIVABLES (MMI)"]
["Year","Cure rate","Liquidation rate","Charge-off rate"]
[2023,0.49959999999999999,0.18140000000000001,6.9699999999999998E-2]
[2024,0.47589999999999999,0.1605,8.8099999999999998E-2]
[]
["Figure 56"]
["QUARTERLY SHARE OF PRE-CHARGE-OFF BALANCES ENROLLED IN SETTLEMENT, WEIGHTED BY TOTAL ACCOUNTS RECEIVABLE (MMI)"]
[null,"For-profit settlement companies","Directly with consumers"]
["2021Q1",5.7999999999999996E-3,7.7000000000000002E-3]
["2021Q2",4.7999999999999996E-3,6.7999999999999996E-3]
["2021Q3",4.1000000000000003E-3,5.7999999999999996E-3]
["2021Q4",3.8E-3,4.7000000000000002E-3]
["2022Q1",3.5000000000000001E-3,5.7999999999999996E-3]
["2022Q2",3.0999999999999999E-3,5.1999999999999998E-3]
["2022Q3",2.8999999999999998E-3,4.4999999999999997E-3]
["2022Q4",3.3999999999999998E-3,4.7000000000000002E-3]
["2023Q1",4.7000000000000002E-3,4.0000000000000001E-3]
["2023Q2",5.7000000000000002E-3,3.7000000000000002E-3]
["2023Q3",6.7000000000000002E-3,3.5000000000000001E-3]
["2023Q4",7.7000000000000002E-3,3.5999999999999999E-3]
["2024Q1",8.0999999999999996E-3,4.8999999999999998E-3]
["2024Q2",9.4999999999999998E-3,4.8999999999999998E-3]
["2024Q3",8.9999999999999993E-3,4.4000000000000003E-3]
["2024Q4",1.03E-2,4.7000000000000002E-3]
[]
["Figure 57"]
["QUARTERLY SHARE OF POST-CHARGE-OFF BALANCES ENROLLED IN SETTLEMENT, WEIGHTED BY TOTAL ACCOUNTS RECEIVABLE (MMI)"]
[null,"For-profit settlement companies","Directly with consumers"]
["2021Q1",7.7999999999999996E-3,1.2E-2]
["2021Q2",8.0000000000000002E-3,1.26E-2]
["2021Q3",7.4999999999999997E-3,1.0699999999999999E-2]
["2021Q4",7.4000000000000003E-3,8.6999999999999994E-3]
["2022Q1",7.7999999999999996E-3,9.5999999999999992E-3]
["2022Q2",7.1000000000000004E-3,8.8000000000000005E-3]
["2022Q3",6.1999999999999998E-3,7.9000000000000008E-3]
["2022Q4",6.1999999999999998E-3,6.7999999999999996E-3]
["2023Q1",6.4999999999999997E-3,7.4000000000000003E-3]
["2023Q2",7.3000000000000001E-3,6.8999999999999999E-3]
["2023Q3",7.9000000000000008E-3,6.7000000000000002E-3]
["2023Q4",8.3000000000000001E-3,6.4000000000000003E-3]
["2024Q1",9.5999999999999992E-3,7.7000000000000002E-3]
["2024Q2",1.21E-2,8.0999999999999996E-3]
["2024Q3",1.29E-2,7.9000000000000008E-3]
["2024Q4",1.37E-2,7.4999999999999997E-3]
[]
["Figure 58"]
["AVERAGE ENROLLED BALANCE BY CYCLES PAST DUE BY DIRECT SETTLEMENTS AND SETTLEMENTS WITH DSCS, 2024 (MMI)"]
[null,"Direct","DSC"]
["0 cycles",5092,2912]
["1 cycle",5127,2488]
["2 cycles",2895,4249]
["3 cycles",2841,4184]
["4 cycles",2882,4606]
["5 cycles",3130,4677]
["6 cycles",3429,4618]
[]
["Figure 59"]
["AVERAGE FICO SCORE BY CYCLES PAST DUE BY DIRECT SETTLEMENTS AND SETTLEMENTS WITH DSCS, 2024 (MMI)"]
[null,"Direct","DSC"]
["0 cycles",625.29999999999995,458.95]
["1 cycle",615.55999999999995,461.16]
["2 cycles",581.95000000000005,431.88]
["3 cycles",551.21,427.36]
["4 cycles",535.46,420.86]
["5 cycles",530.4,418.15]
["6 cycles",530.66999999999996,420.3]
[]
["Figure 60"]
["ANNUAL FRESH CHARGE-OFF BALANCES (MMI)"]
["Year","Fresh charge-off balances"]
[2017,35500000000]
[2018,39000000000]
[2019,42200000000]
[2020,38000000000]
[2021,31700000000]
[2022,36500000000]
[2023,43989000000]
[2024,61187000000]
[]
["Figure 61"]
["CUMULATIVE RECOVERY RATES FOR QUARTERLY VINTAGES BY MONTHS FOLLOWING CHARGE-OFF (MMI)"]
["Months following charge-off","Q4 2020","Q4 2021","Q4 2022","Q4 2023"]
[3,2.3199999999999998E-2,2.9600000000000001E-2,2.7400000000000001E-2,2.3099999999999999E-2]
[6,4.6699999999999998E-2,5.3499999999999999E-2,4.9299999999999997E-2,4.1700000000000001E-2]
[9,6.8199999999999997E-2,7.3800000000000004E-2,6.8199999999999997E-2,6.08E-2]
[12,8.8099999999999998E-2,9.2499999999999999E-2,8.4699999999999998E-2,7.8299999999999995E-2]
[15,0.1056,0.1085,9.9400000000000002E-2,9.0999999999999998E-2]
[18,0.1206,0.1229,0.1133]
[21,0.13300000000000001,0.13450000000000001,0.12479999999999999]
[24,0.14399999999999999,0.14419999999999999,0.13469999999999999]
[27,0.1527,0.15229999999999999,0.1404]
[30,0.1605,0.1593]
[33,0.1673,0.16539999999999999]
[36,0.1726,0.17019999999999999]
[39,0.17730000000000001,0.1731]
[42,0.18129999999999999]
[45,0.1847]
[48,0.18740000000000001]
[51,0.18890000000000001]
[]
["Figure 62"]
["SHARE OF CHARGED-OFF BALANCE INVENTORY BY CHANNEL FOR ISSUERS THAT DID AND DID NOT SELL DEBT, 2023–2024 (MMI)"]
["Channel","Issuers that sold debt","Issuers that did not sell debt"]
["Warehoused",0.42009999999999997,0.15290000000000001]
["Third party",0.161,9.8000000000000004E-2]
["Litigation",0.1021,0.15179999999999999]
["Internal",2.69E-2,0.1321]
["Sales",5.3900000000000003E-2,0]
[]
["Figure 63"]
["AVERAGE PRICE OF DEBT SOLD AS A PERCENTAGE OF ACCOUNT BALANCE BY TYPE OF DEBT SOLD (MMI)"]
["Year","Overall","Fresh charge-off","Post-secondary","Cease & desist","Bankruptcy"]
[2023,0.1298,0.15040000000000001,8.4900000000000003E-2,0.11509999999999999,0.21460000000000001]
[2024,0.1109,0.153,9.0800000000000006E-2,0.108,0.1971]
[]
["Figure 64"]
["CUMULATIVE RECOVERY RATES BY MONTHS SINCE JUDGMENT WAS RECEIVED, 2020–2024 (MMI)"]
["Months since judgment","Non-default judgment","Default judgment","Overall"]
[3,4.87E-2,2.1299999999999999E-2,3.04E-2]
[6,0.1134,5.1900000000000002E-2,6.9699999999999998E-2]
[9,0.17130000000000001,8.2199999999999995E-2,0.1075]
[12,0.22239999999999999,0.11169999999999999,0.1414]
[15,0.26950000000000002,0.13600000000000001,0.17069999999999999]
[18,0.31330000000000002,0.159,0.19639999999999999]
[21,0.3513,0.18060000000000001,0.219]
[24,0.38450000000000001,0.2001,0.2389]
[27,0.41339999999999999,0.219,0.25629999999999997]
[30,0.43869999999999998,0.23569999999999999,0.27139999999999997]
[33,0.46210000000000001,0.2505,0.28489999999999999]
[36,0.48330000000000001,0.2636,0.2974]
[39,0.50239999999999996,0.2777,0.30880000000000002]
[42,0.51870000000000005,0.2878,0.31780000000000003]
[45,0.53180000000000005,0.29899999999999999,0.32740000000000002]
[48,0.5413,0.31080000000000002,0.33679999999999999]
[51,0.54559999999999997,0.31990000000000002,0.34470000000000001]
[54,0.56289999999999996,0.3397,0.36009999999999998]
[57,0.58330000000000004,0.37180000000000002,0.38200000000000001]

{"sheet":"Section 5 - Market dynamics","index":5,"n_rows":146,"n_cols":4,"rows_kept":146,"cut":false,"hidden":false,"merged":[]}
["Section 5 - Market dynamics"]
[]
[]
["Figure 65"]
["NUMBER OF BANKS AND CREDIT UNIONS WITH CREDIT CARD BALANCES AT YEAR-END (FFIEC, NCUA)"]
["Year","Credit union issuers","Bank issuers"]
[2015,3614,1146]
[2016,3548,1097]
[2017,3470,1046]
[2018,3396,982]
[2019,3344,921]
[2020,3279,880]
[2021,3220,836]
[2022,3133,799]
[2023,3044,755]
[2024,2972,724]
[]
["Figure 66"]
["ANNUAL MARKET SHARE BY AVERAGE CREDIT CARD BALANCES (FFIEC, NCUA)"]
["Date","Top 10 issuers","Next 20 issuers","All other issuers"]
["2016-03-31",0.8276,0.1118,6.0600000000000001E-2]
["2016-06-30",0.82879999999999998,0.1114,5.9900000000000002E-2]
["2016-09-30",0.82869999999999999,0.1115,5.9900000000000002E-2]
["2016-12-31",0.82940000000000003,0.1128,5.8299999999999998E-2]
["2017-03-31",0.82620000000000005,0.114,5.96E-2]
["2017-06-30",0.8266,0.1142,5.8999999999999997E-2]
["2017-09-30",0.83220000000000005,0.1095,5.8000000000000003E-2]
["2017-12-31",0.8347,0.10920000000000001,5.5800000000000002E-2]
["2018-03-31",0.8327,0.11070000000000001,5.7000000000000002E-2]
["2018-06-30",0.83309999999999995,0.1104,5.6899999999999999E-2]
["2018-09-30",0.83330000000000004,0.1103,5.6500000000000002E-2]
["2018-12-31",0.8347,0.10979999999999999,5.5800000000000002E-2]
["2019-03-31",0.83240000000000003,0.1106,5.67E-2]
["2019-06-30",0.83340000000000003,0.1108,5.6099999999999997E-2]
["2019-09-30",0.83209999999999995,0.111,5.6899999999999999E-2]
["2019-12-31",0.83179999999999998,0.11360000000000001,5.4800000000000001E-2]
["2020-03-31",0.82869999999999999,0.1153,5.6000000000000001E-2]
["2020-06-30",0.82699999999999996,0.1158,5.67E-2]
["2020-09-30",0.82799999999999996,0.11600000000000001,5.6399999999999999E-2]
["2020-12-31",0.82669999999999999,0.1172,5.5599999999999997E-2]
["2021-03-31",0.82609999999999995,0.1176,5.6300000000000003E-2]
["2021-06-30",0.82909999999999995,0.11559999999999999,5.5599999999999997E-2]
["2021-09-30",0.82879999999999998,0.1159,5.5500000000000001E-2]
["2021-12-31",0.82989999999999997,0.1167,5.3499999999999999E-2]
["2022-03-31",0.82699999999999996,0.1193,5.3800000000000001E-2]
["2022-06-30",0.82789999999999997,0.1186,5.2999999999999999E-2]
["2022-09-30",0.82750000000000001,0.1196,5.2699999999999997E-2]
["2022-12-31",0.82489999999999997,0.121,5.16E-2]
["2023-03-31",0.83130000000000004,0.1187,5.2400000000000002E-2]
["2023-06-30",0.83099999999999996,0.1171,5.1400000000000001E-2]
["2023-09-30",0.83179999999999998,0.11609999999999999,5.11E-2]
["2023-12-31",0.83679999999999999,0.1168,5.0599999999999999E-2]
["2024-03-31",0.83260000000000001,0.11550000000000001,5.0700000000000002E-2]
["2024-06-30",0.83809999999999996,0.1144,5.0599999999999999E-2]
["2024-09-30",0.83199999999999996,0.114,5.0299999999999997E-2]
["2024-12-31",0.83560000000000001,0.1144,4.9599999999999998E-2]
[]
["Figure 67"]
["CREDIT UNION CREDIT CARD BALANCES (NCUA)"]
["Date","Balances"]
["2016-03-31",48327000]
["2016-06-30",49575000]
["2016-09-30",50721000]
["2016-12-31",53178000]
["2017-03-31",52100000]
["2017-06-30",53574000]
["2017-09-30",55234000]
["2017-12-31",58019000]
["2018-03-31",57205000]
["2018-06-30",58440000]
["2018-09-30",59861000]
["2018-12-31",62375000]
["2019-03-31",61591000]
["2019-06-30",62934000]
["2019-09-30",64288000]
["2019-12-31",66548000]
["2020-03-31",64923000]
["2020-06-30",61396000]
["2020-09-30",61117000]
["2020-12-31",62276000]
["2021-03-31",59131000]
["2021-06-30",60312000]
["2021-09-30",61668000]
["2021-12-31",64656000]
["2022-03-31",64846000]
["2022-06-30",67721000]
["2022-09-30",70364000]
["2022-12-31",74698000]
["2023-03-31",74625000]
["2023-06-30",77015000]
["2023-09-30",79168000]
["2023-12-31",82496000]
["2024-03-31",81290000]
["2024-06-30",82485000]
["2024-09-30",83517000]
["2024-12-31",85667000]
[]
["Figure 68"]
["CREDIT UNION CREDIT CARD ACCOUNTS (NCUA)"]
["Date","Accounts"]
["2016-03-31",17972000]
["2016-06-30",18300000]
["2016-09-30",18433000]
["2016-12-31",18740000]
["2017-03-31",18807000]
["2017-06-30",19189000]
["2017-09-30",19421000]
["2017-12-31",19658000]
["2018-03-31",19763000]
["2018-06-30",20004000]
["2018-09-30",20337000]
["2018-12-31",20638000]
["2019-03-31",20770000]
["2019-06-30",21015000]
["2019-09-30",21285000]
["2019-12-31",21548000]
["2020-03-31",21565000]
["2020-06-30",21468000]
["2020-09-30",21695000]
["2020-12-31",21935000]
["2021-03-31",21828000]
["2021-06-30",22112000]
["2021-09-30",22453000]
["2021-12-31",23105000]
["2022-03-31",23308000]
["2022-06-30",23807000]
["2022-09-30",24222000]
["2022-12-31",24616000]
["2023-03-31",24901000]
["2023-06-30",25029000]
["2023-09-30",25077000]
["2023-12-31",25320000]
["2024-03-31",25281000]
["2024-06-30",25482000]
["2024-09-30",25624000]
["2024-12-31",25715000]
[]
["Figure 69"]
["SHARE OF CREDIT CARD BALANCES BY ISSUER ASSET SIZE, YEAR-END 2024 (Y-14, CCIP)"]
["Credit score tier","Under $100 billion","Over $100 billion"]
["Subprime and deep subprime",0.67400000000000004,0.32600000000000001]
["Near-prime",0.34250000000000003,0.65749999999999997]
["Prime",0.26900000000000002,0.73099999999999998]
["Prime plus",0.32379999999999998,0.67620000000000002]
["Superprime",5.0999999999999997E-2,0.94899999999999995]
["Overall",0.3417,0.6583]

{"sheet":"Section 6 - Avail of credit","index":6,"n_rows":1437,"n_cols":8,"rows_kept":1437,"cut":false,"hidden":false,"merged":[]}
["Section 6 - Availability of credit"]
[]
[]
["Figure 70"]
["MONTHLY MAIL VOLUME TRENDS BY CONSUMER CREDIT SCORE (COMPETISCAN, MINTEL COMPEREMEDIA)"]
[]
["Figure 71"]
["APPLICATIONS SUBMITTED IN RESPONSE TO PRESCREENED OFFERS AS A SHARE OF TOTAL APPLICATIONS, GENERAL PURPOSE (MMI)"]
["Year","Superprime and prime plus","Prime","Near-prime","Subprime and deep subprime","No score","Overall"]
[2017,0.1479,0.15759999999999999,7.9699999999999993E-2,1.5699999999999999E-2,1.6500000000000001E-2,7.7100000000000002E-2]
[2018,0.11600000000000001,0.12690000000000001,7.2599999999999998E-2,1.29E-2,1.3899999999999999E-2,6.25E-2]
[2019,0.129,0.1696,0.14319999999999999,5.7700000000000001E-2,5.1999999999999998E-2,0.10009999999999999]
[2020,0.1414,0.1353,0.10680000000000001,0.05,5.16E-2,9.2200000000000004E-2]
[2021,0.16650000000000001,0.15859999999999999,0.1326,6.6900000000000001E-2,6.0400000000000002E-2,0.1133]
[2022,0.159,0.15909999999999999,0.1171,4.7699999999999999E-2,4.9599999999999998E-2,0.1032]
[2023,0.1323,0.1313,8.0699999999999994E-2,3.2099999999999997E-2,4.1700000000000001E-2,8.2500000000000004E-2]
[2024,0.1439,0.1348,7.9799999999999996E-2,2.98E-2,4.7100000000000003E-2,8.6999999999999994E-2]
[]
["Figure 72"]
["APPLICATIONS FACILITATED BY TPC SITES AS A SHARE OF TOTAL APPLICATIONS, GENERAL PURPOSE (MMI)"]
["Year","Superprime and prime plus","Prime","Near-prime","Subprime and deep subprime","No score","Overall"]
[2015,0.1002,0.14990000000000001,0.1857,0.2087,0.20680000000000001,0.17199999999999999]
[2016,0.105,0.17469999999999999,0.22339999999999999,0.24260000000000001,0.25309999999999999,0.1993]
[2017,0.13159999999999999,0.22539999999999999,0.27329999999999999,0.30270000000000002,0.3044,0.248]
[2018,0.1472,0.2351,0.26860000000000001,0.31709999999999999,0.3135,0.25800000000000001]
[2019,0.16189999999999999,0.25390000000000001,0.28079999999999999,0.34429999999999999,0.34029999999999999,0.27979999999999999]
[2020,0.16819999999999999,0.22720000000000001,0.17460000000000001,0.19989999999999999,0.20549999999999999,0.19539999999999999]
[2021,0.16200000000000001,0.20810000000000001,0.1479,0.1845,0.19189999999999999,0.1804]
[2022,0.15479999999999999,0.2243,0.19189999999999999,0.2029,0.2253,0.19819999999999999]
[2023,0.13120000000000001,0.20580000000000001,0.18509999999999999,0.1681,0.17630000000000001,0.1678]
[2024,0.12889999999999999,0.19670000000000001,0.1671,0.15359999999999999,0.1416,0.15179999999999999]
[]
["Figure 73"]
["APPLICATION VOLUME FOR MASS MARKET ISSUERS BY CREDIT SCORE TIER, GENERAL PURPOSE (MMI)"]
["Year","Superprime","Prime plus","Prime","Near-prime","Subprime and deep subprime","No score"]
[2023,10804000,21390000,19494000,12369000,29658000,25378000]
[2024,11093000,21601000,17782000,10997000,27688000,26391000]
[]
["Figure 74"]
["APPLICATION VOLUME FOR MASS MARKET ISSUERS BY CREDIT SCORE TIER, PRIVATE LABEL (MMI)"]
["Year","Superprime","Prime plus","Prime","Near-prime","Subprime and deep subprime","No score"]
[2023,6639000,7909000,7866000,6397000,11174000,5291000]
[2024,5481000,6482000,6688000,5012000,9570000,4326000]
[]
["Figure 75"]
["SHARE OF APPLICATIONS SUBMITTED BY MOBILE DEVICES (MMI)"]
["Year","General purpose","Private label"]
[2023,0.57489999999999997,0.30869999999999997]
[2024,0.57389999999999997,0.3352]
[]
["Figure 76"]
["APPROVAL RATE (MMI)"]
["Year","General purpose","Private label"]
[2023,0.4163,0.56810000000000005]
[2024,0.41010000000000002,0.54179999999999995]
[]
["Figure 77"]
["APPROVAL RATE BY CREDIT SCORE TIER, 2024 (MMI)"]
["Credit score tier","General purpose","Private label"]
["Superprime",0.84140000000000004,0.92730000000000001]
["Prime plus",0.75460000000000005,0.89880000000000004]
["Prime",0.56510000000000005,0.79210000000000003]
["Near-prime",0.31459999999999999,0.59840000000000004]
["Subprime and deep subprime",0.12939999999999999,0.1148]
["Overall",0.41010000000000002,0.54179999999999995]
[]
["Figure 78"]
["APPROVAL RATE BY APPLICATION CHANNEL, 2024 (MMI)"]
["Channel","General purpose","Private label"]
["Pre-screen",0.73980000000000001]
["In person",0.47,0.68179999999999996]
["Mail",0.55230000000000001,0.84289999999999998]
["Digital",0.39129999999999998,0.31190000000000001]
["Mobile device",0.35110000000000002,0.25540000000000002]
["TPC site",0.41010000000000002]
["Overall",0.41010000000000002,0.54179999999999995]
[]
["Figure 79"]
["APPROVALS BY APPLICATION CHANNEL, 2024 (MMI)"]
[null,"General purpose","Private label"]
["Pre-screen",10050000,4543000]
["In-person",25188000,15993000]
["Mail",684000,90000]
["Digital",77892000,16815000]
["Mobile-device",58428000,12589000]
["TPC site",17537000,0]
[]
["Figure 80"]
["ANNUAL NEW ACCOUNTS, GENERAL PURPOSE (CCIP)"]
["Year","Superprime","Prime plus","Prime","Near-prime","Subprime","Deep subprime"]
["2014",9222000,17543000,13053000,6688000,4427000,3856000]
["2015",9661000,18389000,14324000,7694000,5369000,4678000]
["2016",10275000,20068000,15923000,8436000,5460000,4520000]
["2017",10193000,20126000,15055000,7693000,5043000,4418000]
["2018",10129000,20411000,14832000,7719000,5404000,5242000]
["2019",10662000,22028000,15675000,8816000,6183000,5873000]
["2020",7259000,16341000,11476000,6471000,4964000,4915000]
["2021",9234000,21428000,16885000,10544000,7789000,6713000]
["2022",10415000,24017000,19244000,11542000,7581000,6207000]
["2023",11633000,25025000,17874000,9643000,6312000,4866000]
["2024",11420000,23001000,14586000,7778000,5664000,6821000]
[]
["Figure 81"]
["ANNUAL NEW ACCOUNTS, PRIVATE LABEL (CCIP)"]
["Year","Superprime","Prime plus","Prime","Near-prime","Subprime","Deep subprime"]
["2014",7520000,12147000,10260000,7506000,4250000,2448000]
["2015",7250000,11741000,10383000,7975000,4644000,2653000]
["2016",7219000,11751000,10620000,8184000,4747000,2527000]
["2017",6815000,11384000,10079000,7359000,4050000,2224000]
["2018",6547000,11170000,9482000,6480000,3499000,1954000]
["2019",6450000,11314000,9115000,6252000,3623000,2091000]
["2020",4413000,8495000,7770000,5217000,2791000,1569000]
["2021",5081000,9725000,8600000,5920000,3220000,1705000]
["2022",4538000,8648000,7824000,5776000,3337000,1924000]
["2023",4448000,7925000,6347000,4021000,1917000,949519]
["2024",3637000,6380000,4666000,2774000,1523000,1187000]
[]
["Figure 82"]
["MONTHLY TOTAL CREDIT LINE ON NEW ACCOUNTS (CCIP)"]
["Date","Credit line on new accounts"]
["2014-01-29",29413000000]
["2014-02-26",27865000000]
["2014-03-29",31985000000]
["2014-04-30",33043000000]
["2014-05-31",34023000000]
["2014-06-28",32840000000]
["2014-07-30",36943000000]
["2014-08-30",34682000000]
["2014-09-27",32125000000]
["2014-10-29",33056000000]
["2014-11-29",38104000000]
["2014-12-31",37433000000]
["2015-01-31",31808000000]
["2015-02-28",29135000000]
["2015-03-28",35508000000]
["2015-04-29",36190000000]
["2015-05-30",37790000000]
["2015-06-27",37740000000]
["2015-07-29",38293000000]
["2015-08-29",37854000000]
["2015-09-30",37143000000]
["2015-10-31",40448000000]
["2015-11-28",43660000000]
["2015-12-30",41047000000]
["2016-01-30",36386000000]
["2016-02-27",35885000000]
["2016-03-30",40857000000]
["2016-04-30",40483000000]
["2016-05-28",43955000000]
["2016-06-29",43547000000]
["2016-07-30",45810000000]
["2016-08-31",43229000000]
["2016-09-28",40855000000]
["2016-10-29",39269000000]
["2016-11-30",43583000000]
["2016-12-31",40190000000]
["2017-01-28",42098000000]
["2017-02-25",34862000000]
["2017-03-29",41255000000]
["2017-04-29",37790000000]
["2017-05-31",40059000000]
["2017-06-28",40316000000]
["2017-07-29",42446000000]
["2017-08-30",40239000000]
["2017-09-30",37013000000]
["2017-10-28",38397000000]
["2017-11-29",44472000000]
["2017-12-30",38682000000]
["2018-01-31",36857000000]
["2018-02-28",34456000000]
["2018-03-31",39765000000]
["2018-04-28",39142000000]
["2018-05-30",42109000000]
["2018-06-30",39624000000]
["2018-07-28",41336000000]
["2018-08-29",41299000000]
["2018-09-29",38258000000]
["2018-10-31",40680000000]
["2018-11-28",44999000000]
["2018-12-29",39442000000]
["2019-01-30",39266000000]
["2019-02-27",36630000000]
["2019-03-30",42750000000]
["2019-04-27",40893000000]
["2019-05-29",42366000000]
["2019-06-29",39927000000]
["2019-07-31",40914000000]
["2019-08-31",46707000000]
["2019-09-28",42017000000]
["2019-10-30",42540000000]
["2019-11-30",44548000000]
["2019-12-28",42929000000]
["2020-01-29",39679000000]
["2020-02-29",37354000000]
["2020-03-28",28786000000]
["2020-04-29",16513000000]
["2020-05-30",19656000000]
["2020-06-27",21456000000]
["2020-07-29",23199000000]
["2020-08-29",25484000000]
["2020-09-30",26369000000]
["2020-10-31",29001000000]
["2020-11-28",32954000000]
["2020-12-30",29385000000]
["2021-01-30",27578000000]
["2021-02-27",26865000000]
["2021-03-31",34348000000]
["2021-04-28",34640000000]
["2021-05-29",38572000000]
["2021-06-30",41424000000]
["2021-07-31",41719000000]
["2021-08-28",40213000000]
["2021-09-29",38543000000]
["2021-10-30",41097000000]
["2021-11-27",47797000000]
["2021-12-29",41671000000]
["2022-01-29",36841000000]
["2022-02-26",38169000000]
["2022-03-30",47563000000]
["2022-04-30",48120000000]
["2022-05-28",47063000000]
["2022-06-29",46762000000]
["2022-07-30",49724000000]
["2022-08-31",47332000000]
["2022-09-28",44672000000]
["2022-10-29",45599000000]
["2022-11-30",51737000000]
["2022-12-31",43999000000]
["2023-01-28",45752000000]
["2023-02-25",43744000000]
["2023-03-29",49341000000]
["2023-04-29",48457000000]
["2023-05-31",51124000000]
["2023-06-28",47625000000]
["2023-07-29",50519000000]
["2023-08-30",47212000000]
["2023-09-30",43525000000]
["2023-10-28",44035000000]
["2023-11-29",50190000000]
["2023-12-30",43094000000]
["2024-01-31",43290000000]
["2024-02-29",42922000000]
["2024-03-31",46165000000]
["2024-04-30",43151000000]
["2024-05-31",44974000000]
["2024-06-30",43596000000]
["2024-07-31",44792000000]
["2024-08-31",42997000000]
["2024-09-30",39541000000]
["2024-10-31",40500000000]
["2024-11-30",43922000000]
["2024-12-31",42053000000]
[]
["Figure 83"]
["MONTHLY AVERAGE CREDIT LINE ON NEW ACCOUNTS, GENERAL PURPOSE (CCIP)"]
["Date","Deep subprime","Subprime","Near-prime","Prime","Prime plus","Superprime","Overall"]
["2014-01-29",789,1239,2200,4057,7646,10431,5787]
["2014-02-26",766,1333,2296,4147,7680,10249,5681]
["2014-03-29",805,1415,2388,4135,7416,10041,5513]
["2014-04-30",792,1294,2177,3952,7111,9778,5372]
["2014-05-31",830,1333,2258,3953,7196,9787,5388]
["2014-06-28",900,1484,2465,4086,7389,10220,5493]
["2014-07-30",831,1399,2351,4139,7062,9489,5336]
["2014-08-30",854,1399,2359,4060,7437,10448,5475]
["2014-09-27",855,1456,2457,4094,7548,10345,5469]
["2014-10-29",853,1400,2387,4112,7411,10144,5426]
["2014-11-29",895,1431,2421,4043,7118,9501,5335]
["2014-12-31",898,1472,2413,4011,7143,9668,5305]
["2015-01-31",878,1418,2365,4132,7994,10966,5722]
["2015-02-28",800,1404,2548,4332,7929,11017,5649]
["2015-03-28",880,1547,2647,4429,7919,10669,5722]
["2015-04-29",884,1409,2351,4155,7787,10936,5588]
["2015-05-30",862,1417,2438,4213,7721,10754,5612]
["2015-06-27",903,1533,2559,4372,7900,11216,5756]
["2015-07-29",809,1335,2308,4161,7829,10755,5531]
["2015-08-29",868,1405,2395,4188,7878,11015,5647]
["2015-09-30",887,1450,2507,4339,7849,10931,5671]
["2015-10-31",843,1381,2469,4433,7712,10940,5712]
["2015-11-28",878,1402,2351,4139,7327,10028,5432]
["2015-12-30",860,1468,2473,4174,7496,10206,5528]
["2016-01-30",761,1309,2361,4346,8400,11759,6075]
["2016-02-27",734,1285,2404,4467,8285,11556,5904]
["2016-03-30",745,1406,2607,4602,8460,11548,6010]
["2016-04-30",651,1111,2168,4236,8077,11411,5723]
["2016-05-28",722,1273,2333,4305,7956,11255,5601]
["2016-06-29",740,1353,2415,4545,8357,11672,6094]
["2016-07-30",721,1162,2219,4301,7612,10465,5629]
["2016-08-31",753,1253,2326,4360,8443,11516,6012]
["2016-09-28",749,1339,2429,4463,8864,12044,6248]
["2016-10-29",684,1178,2201,4309,8604,11576,6059]
["2016-11-30",745,1258,2232,4146,7831,10491,5637]
["2016-12-31",748,1266,2294,4097,7882,10362,5580]
["2017-01-28",702,1170,2183,4685,9915,13535,7090]
["2017-02-25",712,1225,2299,4552,8852,11950,6206]
["2017-03-29",700,1408,2572,4554,8395,11547,5981]
["2017-04-29",702,1135,2143,4316,8304,11526,5858]
["2017-05-31",725,1236,2294,4376,8196,11263,5820]
["2017-06-28",731,1304,2464,4536,8429,11353,5991]
["2017-07-29",673,1147,2168,4205,7772,9555,5646]
["2017-08-30",683,1169,2288,4411,7812,10348,5767]
["2017-09-30",660,1267,2446,4568,8381,11352,6028]
["2017-10-28",628,1082,2159,4419,8084,10684,5984]
["2017-11-29",669,1169,2238,4314,7823,10583,5819]
["2017-12-30",668,1191,2301,4220,7582,10361,5548]
["2018-01-31",617,1033,2177,4642,8878,12412,6361]
["2018-02-28",638,1187,2405,4663,8710,11828,6165]
["2018-03-31",644,1340,2606,4864,8634,11594,6113]
["2018-04-28",604,1083,2221,4559,8592,11526,6011]
["2018-05-30",639,1209,2421,4644,8249,11078,5914]
["2018-06-30",644,1257,2514,4717,8409,11260,5956]
["2018-07-28",596,1024,2171,4387,8040,10734,5706]
["2018-08-29",596,1151,2298,4528,8261,11134,5902]
["2018-09-29",642,1223,2419,4681,8298,11134,5925]
["2018-10-31",605,1045,2123,4533,8221,11055,5909]
["2018-11-28",639,1138,2280,4452,7792,10343,5720]
["2018-12-29",643,1208,2361,4415,7823,10334,5635]
["2019-01-30",633,1083,2253,4873,9201,12505,6545]
["2019-02-27",655,1247,2484,4924,8904,11898,6386]
["2019-03-30",676,1329,2665,4857,8416,10890,6105]
["2019-04-27",614,1072,2204,4597,8500,11606,5974]
["2019-05-29",615,1130,2290,4533,8274,11212,5750]
["2019-06-29",666,1246,2373,4571,8110,11052,5648]
["2019-07-31",592,1036,2070,4286,8037,11050,5544]
["2019-08-31",614,1136,2174,4356,8156,11698,5868]
["2019-09-28",640,1218,2279,4391,7826,10725,5564]
["2019-10-30",585,1031,2045,4253,8067,11121,5603]
["2019-11-30",653,1128,2077,4134,7690,10448,5376]
["2019-12-28",667,1200,2125,4175,7501,10440,5369]
["2020-01-29",648,1112,2086,4407,8579,11998,6035]
["2020-02-29",606,1080,2111,4425,8181,11256,5787]
["2020-03-28",608,1067,1992,4245,7608,10328,5062]
["2020-04-29",533,1031,1919,4081,7236,9927,4629]
["2020-05-30",574,1055,2042,4070,6958,9320,4714]
["2020-06-27",561,954,1902,3855,6565,8860,4615]
["2020-07-29",523,947,1825,3731,6331,8557,4431]
["2020-08-29",523,897,1843,3775,6385,8766,4506]
["2020-09-30",535,956,1868,3869,6704,9065,4745]
["2020-10-31",546,911,1768,3851,6879,9385,4639]
["2020-11-28",592,948,1742,3641,6474,8742,4479]
["2020-12-30",606,1007,1843,3744,6520,8999,4578]
["2021-01-30",596,1080,2056,4105,7165,9807,4936]
["2021-02-27",635,1109,1996,4091,7154,9797,4862]
["2021-03-31",575,1082,2007,4043,7250,9843,4812]
["2021-04-28",601,1070,1978,4084,7398,10361,4804]
["2021-05-29",664,1150,2010,4069,7471,10240,4788]
["2021-06-30",677,1172,2047,4269,8024,11075,5241]
["2021-07-31",640,1117,2002,4164,7972,11083,5195]
["2021-08-28",672,1126,1975,4143,7906,11006,5159]
["2021-09-29",662,1128,1981,4101,7948,11115,5122]
["2021-10-30",654,1095,1985,4172,8092,11242,5253]
["2021-11-27",675,1140,2039,4107,7988,11027,5313]
["2021-12-29",667,1133,1969,4080,7854,10991,5126]
["2022-01-29",656,1185,2118,4499,8796,12454,5654]
["2022-02-26",675,1203,2150,4498,8706,12092,5672]
["2022-03-30",650,1199,2205,4579,8794,12136,5864]
["2022-04-30",653,1198,2156,4514,8897,12282,5756]
["2022-05-28",642,1206,2126,4500,8791,12148,5711]
["2022-06-29",643,1187,2122,4536,8878,12397,5771]
["2022-07-30",711,1208,2061,4478,8886,12661,5964]
["2022-08-31",682,1185,2085,4428,8837,12235,5834]
["2022-09-28",659,1176,2074,4478,8831,12488,5949]
["2022-10-29",663,1184,2055,4465,8959,12388,5997]
["2022-11-30",698,1197,2075,4326,8670,12063,6078]
["2022-12-31",703,1203,2033,4253,8561,11768,5909]
["2023-01-28",710,1253,2142,4665,9568,13498,6730]
["2023-02-25",685,1221,2173,4736,9536,13436,6783]
["2023-03-29",677,1234,2149,4704,9466,13264,6590]
["2023-04-29",686,1206,2129,4614,9184,13035,6525]
["2023-05-31",755,1184,2039,4490,9152,12924,6508]
["2023-06-28",738,1212,2074,4474,9078,12722,6338]
["2023-07-29",719,1166,2037,4416,9053,12965,6450]
["2023-08-30",721,1188,2044,4474,9022,12597,6346]
["2023-09-30",739,1148,2057,4529,8992,12578,6454]
["2023-10-28",737,1147,2010,4413,8822,12035,6315]
["2023-11-29",724,1174,1992,4249,8709,12105,6378]
["2023-12-30",686,1083,1941,4182,8530,11887,6136]
["2024-01-31",680,1152,2092,4572,9712,13796,7084]
["2024-02-29",697,1150,2147,4641,9591,13588,7150]
["2024-03-31",665,1174,2105,4500,9270,12901,6840]
["2024-04-30",777,1475,2668,4960,9160,12669,6657]
["2024-05-31",778,1479,2625,4995,9172,12627,6620]
["2024-06-30",784,1447,2575,5075,9221,12757,6617]
["2024-07-31",741,1447,2529,4856,9266,12938,6531]
["2024-08-31",729,1360,2525,4792,8892,12485,6333]
["2024-09-30",748,1387,2530,4715,8548,11944,6230]
["2024-10-31",720,1377,2526,4787,8835,12326,6300]
["2024-11-30",749,1484,2579,4710,8452,11612,6163]
["2024-12-31",771,1480,2565,4593,8228,11473,6013]
[]
["Figure 84"]
["MONTHLY AVERAGE CREDIT LINE ON NEW ACCOUNTS, PRIVATE LABEL (CCIP)"]
["Date","Deep subprime","Subprime","Near-prime","Prime","Prime plus","Superprime","Overall"]
["2014-01-29",657,861,1198,2018,3140,3807,2355]
["2014-02-26",639,886,1255,2015,3084,3516,2248]
["2014-03-29",658,854,1243,1968,3074,3638,2280]
["2014-04-30",667,821,1141,1854,2968,3698,2237]
["2014-05-31",735,924,1270,2008,3049,3722,2336]
["2014-06-28",736,912,1241,2094,3324,4022,2473]
["2014-07-30",717,856,1217,2121,3483,4320,2596]
["2014-08-30",635,849,1214,2048,3348,4089,2409]
["2014-09-27",660,891,1271,2095,3353,4003,2442]
["2014-10-29",602,817,1170,1982,3219,3811,2262]
["2014-11-29",635,856,1220,1999,3229,3852,2261]
["2014-12-31",654,891,1234,1951,2969,3474,2114]
["2015-01-31",671,910,1284,2183,3493,4017,2504]
["2015-02-28",646,954,1375,2215,3419,3962,2398]
["2015-03-28",658,911,1314,2165,3354,3908,2376]
["2015-04-29",621,846,1224,2144,3425,4071,2453]
["2015-05-30",662,922,1332,2206,3517,4247,2573]
["2015-06-27",725,928,1315,2178,3452,4147,2495]
["2015-07-29",689,857,1223,2149,3529,4234,2506]
["2015-08-29",641,873,1250,2121,3406,4039,2415]
["2015-09-30",667,932,1306,2246,3666,4447,2602]
["2015-10-31",608,821,1232,2146,3541,4143,2441]
["2015-11-28",615,846,1248,2120,3499,4214,2360]
["2015-12-30",642,897,1265,2011,3130,3600,2157]
["2016-01-30",646,876,1315,2293,3664,4417,2626]
["2016-02-27",663,940,1373,2349,3698,4297,2567]
["2016-03-30",612,905,1364,2302,3669,4285,2545]
["2016-04-30",632,808,1218,2212,3753,4528,2624]
["2016-05-28",623,845,1306,2346,3873,4677,2744]
["2016-06-29",647,869,1344,2305,3811,4504,2654]
["2016-07-30",601,780,1203,2239,3862,4624,2671]
["2016-08-31",579,792,1171,2112,3657,4497,2441]
["2016-09-28",631,825,1255,2247,3775,4709,2629]
["2016-10-29",607,784,1150,2196,3736,4473,2547]
["2016-11-30",599,806,1156,2088,3556,4426,2388]
["2016-12-31",558,773,1136,1976,3232,3878,2199]
["2017-01-28",586,798,1216,2242,3896,4692,2699]
["2017-02-25",609,814,1241,2219,3733,4470,2588]
["2017-03-29",571,772,1192,2169,3555,4304,2454]
["2017-04-29",537,696,1073,2035,3623,4520,2486]
["2017-05-31",569,775,1138,2104,3720,4570,2602]
["2017-06-28",578,751,1124,2065,3641,4541,2505]
["2017-07-29",556,732,1062,2092,3738,4569,2582]
["2017-08-30",539,738,1087,2003,3480,4359,2426]
["2017-09-30",570,824,1199,2313,3990,4766,2859]
["2017-10-28",565,714,1049,2045,3578,4454,2494]
["2017-11-29",548,727,1064,1974,3488,4318,2373]
["2017-12-30",535,767,1074,1870,3123,3712,2141]
["2018-01-31",569,754,1117,2136,3792,4474,2618]
["2018-02-28",606,830,1238,2180,3705,4506,2632]
["2018-03-31",608,821,1208,2137,3609,4479,2539]
["2018-04-28",588,770,1124,2077,3662,4642,2639]
["2018-05-30",615,823,1179,2177,3760,4736,2752]
["2018-06-30",642,831,1186,2106,3638,4517,2642]
["2018-07-28",568,746,1074,2004,3555,4411,2514]
["2018-08-29",576,743,1147,1975,3416,4250,2438]
["2018-09-29",609,827,1223,2185,3769,4513,2751]
["2018-10-31",601,779,1101,2019,3622,4346,2522]
["2018-11-28",587,777,1137,2035,3461,4320,2470]
["2018-12-29",584,799,1127,1939,3168,3799,2249]
["2019-01-30",575,800,1161,2144,3740,4607,2687]
["2019-02-27",634,876,1192,2222,3779,4594,2757]
["2019-03-30",613,820,1232,2175,3644,4446,2604]
["2019-04-27",606,773,1179,2167,3779,4653,2706]
["2019-05-29",616,796,1227,2275,3827,4812,2803]
["2019-06-29",645,833,1213,2256,3750,4575,2733]
["2019-07-31",551,753,1113,2141,3692,4547,2631]
["2019-08-31",545,737,1111,2062,3552,4405,2492]
["2019-09-28",602,792,1239,2218,3706,4626,2704]
["2019-10-30",541,713,1097,2145,3777,4504,2637]
["2019-11-30",544,727,1097,2011,3543,4339,2430]
["2019-12-28",531,747,1127,1913,3199,3906,2233]
["2020-01-29",571,746,1158,2131,3793,4624,2665]
["2020-02-29",589,765,1141,2179,3778,4525,2652]
["2020-03-28",589,732,1129,2222,4040,5002,2685]
["2020-04-29",623,768,1170,2209,4208,5267,2541]
["2020-05-30",637,806,1224,2411,4431,5622,2853]
["2020-06-27",675,791,1163,2251,3957,5067,2692]
["2020-07-29",673,791,1184,2125,3803,4825,2663]
["2020-08-29",637,793,1168,2107,3640,4627,2598]
["2020-09-30",619,769,1147,2061,3590,4631,2584]
["2020-10-31",619,754,1109,2021,3505,4434,2470]
["2020-11-28",626,791,1113,1987,3459,4273,2411]
["2020-12-30",606,770,1093,1864,3162,3929,2201]
["2021-01-30",651,864,1212,2167,3842,4758,2694]
["2021-02-27",668,861,1187,2171,3756,4835,2686]
["2021-03-31",585,750,1128,2089,3655,4622,2554]
["2021-04-28",563,736,1194,2104,3748,4673,2627]
["2021-05-29",571,750,1177,2153,3725,4733,2656]
["2021-06-30",562,749,1136,2094,3617,4370,2557]
["2021-07-31",565,747,1149,2112,3626,4405,2543]
["2021-08-28",532,736,1120,2068,3611,4468,2455]
["2021-09-29",551,750,1142,2158,3795,4670,2615]
["2021-10-30",544,741,1125,2154,3677,4463,2515]
["2021-11-27",513,725,1121,2002,3537,4300,2380]
["2021-12-29",517,715,1049,1909,3267,3937,2173]
["2022-01-29",533,744,1176,2230,4067,4979,2722]
["2022-02-26",556,753,1205,2281,3974,5013,2756]
["2022-03-30",523,745,1142,2192,3900,4860,2683]
["2022-04-30",869,1069,1353,2032,3637,4907,2093]
["2022-05-28",537,762,1156,2262,4143,5188,2860]
["2022-06-29",567,763,1160,2253,4032,5046,2785]
["2022-07-30",588,749,1155,2256,4172,5179,2874]
["2022-08-31",537,731,1142,2185,4036,5126,2765]
["2022-09-28",559,776,1160,2313,4213,5198,2928]
["2022-10-29",597,777,1108,2214,4068,5025,2822]
["2022-11-30",578,773,1142,2147,3938,5117,2753]
["2022-12-31",579,744,1087,2030,3687,4619,2490]
["2023-01-28",601,801,1238,2416,4356,5692,3135]
["2023-02-25",624,847,1262,2369,4292,5497,3096]
["2023-03-29",596,826,1237,2354,4155,5266,3005]
["2023-04-29",611,768,1179,2244,4246,5420,3086]
["2023-05-31",585,796,1183,2375,4283,5434,3184]
["2023-06-28",608,794,1168,2264,4284,5382,3126]
["2023-07-29",581,763,1189,2340,4375,5465,3196]
["2023-08-30",564,798,1125,2247,4232,5403,3057]
["2023-09-30",604,781,1177,2303,4307,5450,3180]
["2023-10-28",617,743,1116,2166,4233,5383,3021]
["2023-11-29",525,744,1138,2108,3944,4981,2894]
["2023-12-30",533,759,1100,1996,3644,4568,2613]
["2024-01-31",584,824,1209,2341,4422,5574,3258]
["2024-02-29",564,885,1250,2335,4348,5564,3281]
["2024-03-31",564,808,1193,2237,4401,5915,3241]
["2024-04-30",628,1017,1446,2490,4243,5509,3242]
["2024-05-31",698,1037,1537,2610,4438,5639,3437]
["2024-06-30",671,1044,1488,2510,4333,5453,3317]
["2024-07-31",652,1005,1425,2599,4379,5652,3357]
["2024-08-31",654,926,1378,2467,4280,5435,3204]
["2024-09-30",671,1002,1418,2527,4495,5985,3424]
["2024-10-31",671,1014,1416,2515,4347,5788,3255]
["2024-11-30",605,985,1399,2374,4266,5464,3067]
["2024-12-31",662,982,1364,2216,3939,5112,2835]
[]
["Figure 85"]
["AVERAGE APR ON NEW ACCOUNTS, GENERAL PURPOSE (Y-14)"]
["Credit score","2014","2024"]
["Under 620",0.22640000000000002,0.3]
["620 - 639",0.22839999999999999,0.29849999999999999]
["640 - 659",0.22489999999999999,0.29420000000000002]
["660 - 679",0.2155,0.2918]
["680 - 699",0.20879999999999999,0.28970000000000001]
["700 - 719",0.20019999999999999,0.2873]
["720 - 739",0.1928,0.28160000000000002]
["740 - 759",0.18629999999999999,0.27279999999999999]
["760+",0.17309999999999998,0.25829999999999997]
["Overall",0.1978,0.27529999999999999]
[]
["Figure 86"]
["AVERAGE APR MARGIN ON NEW ACCOUNTS, GENERAL PURPOSE (Y-14)"]
["Credit score","2014","2024"]
["Under 620",0.19390000000000002,0.21690000000000001]
["620 - 639",0.19589999999999999,0.21539999999999998]
["640 - 659",0.19239999999999999,0.21109999999999998]
["660 - 679",0.183,0.2087]
["680 - 699",0.17629999999999998,0.20660000000000001]
["700 - 719",0.16769999999999999,0.20420000000000002]
["720 - 739",0.1603,0.19850000000000001]
["740 - 759",0.15380000000000002,0.18969999999999998]
["760+",0.1406,0.17519999999999999]
["Overall",0.1653,0.19219999999999998]
[]
["Figure 87"]
["CREDIT LINE ON EXISTING ACCOUNTS (CCIP)"]
["Date","Credit line"]
[2014,3624000000000]
[2015,3794000000000]
[2016,4000000000000]
[2017,4181000000000]
[2018,4329000000000]
[2019,4523000000000]
[2020,4446000000000]
[2021,4670000000000]
[2022,5060000000000]
[2023,5416000000000]
[2024,5656000000000]
[]
["Figure 88"]
["TOTAL CREDIT LINE ON EXISTING ACCOUNTS, GENERAL PURPOSE AND PRIVATE LABEL (CCIP)"]
["Date","General purpose","Private label"]
[2014,3049500000000,574387000000]
[2015,3147000000000,647169000000]
[2016,3329000000000,670937000000]
[2017,3498000000000,683052000000]
[2018,3678000000000,651108000000]
[2019,3881000000000,641652000000]
[2020,3846000000000,599540000000]
[2021,4070000000000,599886000000]
[2022,4441000000000,618267000000]
[2023,4799000000000,616261000000]
[2024,5087000000000,569013000000]
[]
["Figure 89"]
["AVERAGE CREDIT LINE PER CARDHOLDER (CCIP)"]
[null,"Superprime","Prime plus","Prime","Near-prime","Subprime","Deep subprime","Overall"]
[2014,36798,25571,17884,9376,5961,4092,21585]
[2015,37235,25843,18276,9687,6111,4086,21982]
[2016,37661,26284,18877,10384,6467,4272,22518]
[2017,38011,26743,19329,10523,6571,4416,22981]
[2018,38156,27204,20031,10930,6794,4630,23385]
[2019,38408,27876,20863,11453,7241,4868,23931]
[2020,37656,26242,18892,10073,6552,4792,23248]
[2021,38557,26796,19167,10282,6631,4600,23835]
[2022,40051,28216,21091,11858,7619,4900,25086]
[2023,41654,29335,22068,12524,8121,5696,26218]
[]
["Figure 90"]
["AVERAGE CREDIT LINE PER ACCOUNT, YEAR-END 2024 (CCIP)"]
[null,"General purpose","Private label"]
["Deep subprime",2165,1064]
["Subprime",2571,1297]
["Near-prime",3309,1676]
["Prime",5795,2692]
["Prime plus",9876,3775]
["Superprime",13198,4180]
["Overall",8358,3067]
[]
["Figure 91"]
["AVERAGE UTILIZATION RATE BY CREDIT SCORE TIER, GENERAL PURPOSE (CCIP)"]
["Year","Superprime","Prime plus","Prime","Near-prime","Subprime","Deep subprime","Overall"]
[2014,5.91E-2,0.2132,0.45900000000000002,0.60940000000000005,0.74129999999999996,0.94940000000000002,0.21940000000000001]
[2015,0.06,0.21360000000000001,0.45760000000000001,0.62009999999999998,0.75080000000000002,0.93789999999999996,0.219]
[2016,6.0999999999999999E-2,0.2099,0.4602,0.62849999999999995,0.75839999999999996,0.9405,0.22109999999999999]
[2017,6.3E-2,0.2107,0.46760000000000002,0.63270000000000004,0.74939999999999996,0.93200000000000005,0.2228]
[2018,6.4000000000000001E-2,0.2092,0.46539999999999998,0.63670000000000004,0.76070000000000004,0.95020000000000004,0.22450000000000001]
[2019,6.4000000000000001E-2,0.20530000000000001,0.46189999999999998,0.63690000000000002,0.76990000000000003,0.96199999999999997,0.22570000000000001]
[2020,5.79E-2,0.18890000000000001,0.44519999999999998,0.62570000000000003,0.77769999999999995,0.97709999999999997,0.20480000000000001]
[2021,6.2E-2,0.18779999999999999,0.43419999999999997,0.61660000000000004,0.7722,0.97919999999999996,0.2031]
[2022,6.54E-2,0.19869999999999999,0.45860000000000001,0.64100000000000001,0.77349999999999997,0.96379999999999999,0.217]
[2023,6.6400000000000001E-2,0.20499999999999999,0.48859999999999998,0.66759999999999997,0.78769999999999996,0.96950000000000003,0.22550000000000001]
[]
["Figure 92"]
["MONTHLY SHARE OF CARDHOLDERS WITH BELOW-PRIME CREDIT SCORES WITH AT LEAST 90 PERCENT UTILIZATION ACROSS ALL CARDS, GENERAL PURPOSE (CCIP)"]
["Date","Deep subprime","Subprime","Near-prime","Below-prime overall"]
["2014-01-29",0.59240000000000004,0.35460000000000003,0.24890000000000001,0.3987]
["2014-02-26",0.57899999999999996,0.33829999999999999,0.2379,0.38500000000000001]
["2014-03-29",0.58530000000000004,0.3201,0.21249999999999999,0.37259999999999999]
["2014-04-30",0.57289999999999996,0.31469999999999998,0.20979999999999999,0.36580000000000001]
["2014-05-31",0.57179999999999997,0.32079999999999997,0.21590000000000001,0.3695]
["2014-06-28",0.59760000000000002,0.33939999999999998,0.22370000000000001,0.38690000000000002]
["2014-07-30",0.59,0.34429999999999999,0.2306,0.38829999999999998]
["2014-08-30",0.58450000000000002,0.34839999999999999,0.2344,0.3891]
["2014-09-27",0.5978,0.35680000000000001,0.23330000000000001,0.39600000000000002]
["2014-10-29",0.58479999999999999,0.35460000000000003,0.23649999999999999,0.39200000000000002]
["2014-11-29",0.57809999999999995,0.35299999999999998,0.23649999999999999,0.38919999999999999]
["2014-12-31",0.59299999999999997,0.3579,0.2384,0.39639999999999997]
["2015-01-31",0.58289999999999997,0.36070000000000002,0.24399999999999999,0.39589999999999997]
["2015-02-28",0.55930000000000002,0.3377,0.23,0.37569999999999998]
["2015-03-28",0.57330000000000003,0.3236,0.2132,0.37009999999999998]
["2015-04-29",0.55759999999999998,0.3231,0.21529999999999999,0.36530000000000001]
["2015-05-30",0.55520000000000003,0.32329999999999998,0.214,0.36409999999999998]
["2015-06-27",0.57830000000000004,0.34260000000000002,0.2223,0.38109999999999999]
["2015-07-29",0.57210000000000005,0.35139999999999999,0.23269999999999999,0.38540000000000002]
["2015-08-29",0.56630000000000003,0.3574,0.24310000000000001,0.38890000000000002]
["2015-09-30",0.58720000000000006,0.36370000000000002,0.2402,0.39700000000000002]
["2015-10-31",0.57199999999999995,0.36020000000000002,0.2414,0.39119999999999999]
["2015-11-28",0.56510000000000005,0.35799999999999998,0.24030000000000001,0.38779999999999998]
["2015-12-30",0.58899999999999997,0.36580000000000001,0.245,0.39989999999999998]
["2016-01-30",0.58030000000000004,0.37290000000000001,0.25530000000000003,0.40279999999999999]
["2016-02-27",0.56079999999999997,0.35120000000000001,0.24199999999999999,0.38469999999999999]
["2016-03-30",0.57420000000000004,0.33700000000000002,0.22220000000000001,0.37780000000000002]
["2016-04-30",0.56159999999999999,0.33639999999999998,0.22339999999999999,0.37380000000000002]
["2016-05-28",0.55910000000000004,0.3397,0.22620000000000001,0.375]
["2016-06-29",0.58379999999999999,0.35520000000000002,0.2281,0.38900000000000001]
["2016-07-30",0.57650000000000001,0.3639,0.23799999999999999,0.39279999999999998]
["2016-08-31",0.57169999999999999,0.36899999999999999,0.24660000000000001,0.39579999999999999]
["2016-09-28",0.59460000000000002,0.36940000000000001,0.2427,0.4022]
["2016-10-29",0.58489999999999998,0.37180000000000002,0.247,0.4012]
["2016-11-30",0.58140000000000003,0.37240000000000001,0.25090000000000001,0.40160000000000001]
["2016-12-31",0.60540000000000005,0.3846,0.25509999999999999,0.41510000000000002]
["2017-01-28",0.59970000000000001,0.39140000000000003,0.26650000000000001,0.41920000000000002]
["2017-02-25",0.58819999999999995,0.37930000000000003,0.25769999999999998,0.40839999999999999]
["2017-03-29",0.58960000000000001,0.35170000000000001,0.2359,0.39240000000000003]
["2017-04-29",0.57940000000000003,0.35139999999999999,0.23719999999999999,0.38929999999999998]
["2017-05-31",0.57730000000000004,0.35709999999999997,0.2409,0.39179999999999998]
["2017-06-28",0.60189999999999999,0.371,0.24460000000000001,0.40579999999999999]
["2017-07-29",0.5837,0.36969999999999997,0.25,0.40110000000000001]
["2017-08-30",0.58140000000000003,0.37559999999999999,0.25779999999999997,0.40489999999999998]
["2017-09-30",0.60599999999999998,0.38229999999999997,0.25719999999999998,0.41520000000000001]
["2017-10-28",0.59599999999999997,0.37930000000000003,0.2581,0.41110000000000002]
["2017-11-29",0.59099999999999997,0.38040000000000002,0.26090000000000002,0.4108]
["2017-12-30",0.61770000000000003,0.3911,0.26779999999999998,0.42549999999999999]
["2018-01-31",0.60960000000000003,0.39829999999999999,0.27729999999999999,0.4284]
["2018-02-28",0.59509999999999996,0.38440000000000002,0.26850000000000002,0.41599999999999998]
["2018-03-31",0.5988,0.35649999999999998,0.2404,0.39860000000000001]
["2018-04-28",0.58799999999999997,0.35610000000000003,0.23980000000000001,0.39460000000000001]
["2018-05-30",0.5867,0.36449999999999999,0.2455,0.39889999999999998]
["2018-06-30",0.61580000000000001,0.37869999999999998,0.24959999999999999,0.41470000000000001]
["2018-07-28",0.60840000000000005,0.38629999999999998,0.25869999999999999,0.4178]
["2018-08-29",0.60360000000000003,0.39329999999999998,0.26750000000000002,0.42149999999999999]
["2018-09-29",0.62480000000000002,0.39539999999999997,0.26200000000000001,0.4274]
["2018-10-31",0.61580000000000001,0.39500000000000002,0.26400000000000001,0.4249]
["2018-11-28",0.61140000000000005,0.3982,0.26729999999999998,0.42559999999999998]
["2018-12-29",0.63360000000000005,0.40079999999999999,0.26800000000000002,0.43409999999999999]
["2019-01-30",0.62639999999999996,0.4088,0.2767,0.43730000000000002]
["2019-02-27",0.61609999999999998,0.3972,0.27079999999999999,0.42799999999999999]
["2019-03-30",0.62160000000000004,0.36649999999999999,0.24149999999999999,0.40989999999999999]
["2019-04-27",0.61099999999999999,0.36580000000000001,0.2412,0.40600000000000003]
["2019-05-29",0.60850000000000004,0.37230000000000002,0.24610000000000001,0.40899999999999997]
["2019-06-29",0.63749999999999996,0.38850000000000001,0.2487,0.4249]
["2019-07-31",0.62960000000000005,0.39450000000000002,0.25650000000000001,0.4269]
["2019-08-31",0.62480000000000002,0.40279999999999999,0.26740000000000003,0.43169999999999997]
["2019-09-28",0.64539999999999997,0.40189999999999998,0.25779999999999997,0.435]
["2019-10-30",0.62749999999999995,0.39579999999999999,0.25519999999999998,0.42620000000000002]
["2019-11-30",0.62270000000000003,0.39679999999999999,0.26,0.42649999999999999]
["2019-12-28",0.64680000000000004,0.4032,0.26150000000000001,0.43719999999999998]
["2020-01-29",0.65,0.40579999999999999,0.26719999999999999,0.441]
["2020-02-29",0.64839999999999998,0.39410000000000001,0.25829999999999997,0.43359999999999999]
["2020-03-28",0.63470000000000004,0.36630000000000001,0.23799999999999999,0.41299999999999998]
["2020-04-29",0.63139999999999996,0.3473,0.2218,0.4002]
["2020-05-30",0.61639999999999995,0.318,0.19550000000000001,0.37659999999999999]
["2020-06-27",0.61880000000000002,0.32269999999999999,0.1938,0.37840000000000001]
["2020-07-29",0.625,0.33040000000000003,0.19739999999999999,0.38429999999999997]
["2020-08-29",0.62819999999999998,0.34189999999999998,0.20530000000000001,0.39179999999999998]
["2020-09-30",0.63149999999999995,0.35339999999999999,0.21249999999999999,0.39910000000000001]
["2020-10-31",0.6351,0.3624,0.21870000000000001,0.40539999999999998]
["2020-11-28",0.6401,0.37290000000000001,0.22539999999999999,0.4128]
["2020-12-30",0.64419999999999999,0.38419999999999999,0.2341,0.42080000000000001]
["2021-01-30",0.63939999999999997,0.37069999999999997,0.2268,0.4123]
["2021-02-27",0.64070000000000005,0.36820000000000003,0.22220000000000001,0.41039999999999999]
["2021-03-31",0.62390000000000001,0.3427,0.20250000000000001,0.38969999999999999]
["2021-04-28",0.61860000000000004,0.32279999999999998,0.18440000000000001,0.37530000000000002]
["2021-05-29",0.62360000000000004,0.33439999999999998,0.18820000000000001,0.3821]
["2021-06-30",0.63070000000000004,0.34789999999999999,0.1963,0.3916]
["2021-07-31",0.63829999999999998,0.35770000000000002,0.20549999999999999,0.40050000000000002]
["2021-08-28",0.64139999999999997,0.36649999999999999,0.21099999999999999,0.40629999999999999]
["2021-09-29",0.64359999999999995,0.36940000000000001,0.21529999999999999,0.40939999999999999]
["2021-10-30",0.64739999999999998,0.377,0.21909999999999999,0.41449999999999998]
["2021-11-27",0.64980000000000004,0.38040000000000002,0.2225,0.41760000000000003]
["2021-12-29",0.65439999999999998,0.3916,0.2349,0.42699999999999999]
["2022-01-29",0.65720000000000001,0.39760000000000001,0.24160000000000001,0.43209999999999998]
["2022-02-26",0.65769999999999995,0.39029999999999998,0.23799999999999999,0.42870000000000003]
["2022-03-30",0.64680000000000004,0.372,0.22620000000000001,0.41499999999999998]
["2022-04-30",0.64780000000000004,0.37719999999999998,0.22670000000000001,0.4173]
["2022-05-28",0.64470000000000005,0.38290000000000002,0.2326,0.42]
["2022-06-29",0.64929999999999999,0.39600000000000002,0.24299999999999999,0.4294]
["2022-07-30",0.6573,0.40749999999999997,0.25430000000000003,0.43969999999999998]
["2022-08-31",0.65569999999999995,0.41310000000000002,0.26100000000000001,0.44330000000000003]
["2022-09-28",0.65720000000000001,0.41720000000000002,0.26619999999999999,0.44690000000000002]
["2022-10-29",0.66039999999999999,0.42099999999999999,0.26989999999999997,0.45040000000000002]
["2022-11-30",0.65980000000000005,0.42059999999999997,0.27389999999999998,0.45140000000000002]
["2022-12-31",0.66379999999999995,0.43209999999999998,0.2833,0.4597]
["2023-01-28",0.66300000000000003,0.43509999999999999,0.28589999999999999,0.46129999999999999]
["2023-02-25",0.66120000000000001,0.42509999999999998,0.28189999999999998,0.45610000000000001]
["2023-03-29",0.6502,0.41220000000000001,0.27560000000000001,0.44600000000000001]
["2023-04-29",0.64880000000000004,0.41799999999999998,0.28139999999999998,0.44940000000000002]
["2023-05-31",0.65949999999999998,0.42759999999999998,0.28510000000000002,0.45739999999999997]
["2023-06-28",0.66010000000000002,0.43659999999999999,0.29199999999999998,0.46289999999999998]
["2023-07-29",0.66359999999999997,0.44690000000000002,0.30049999999999999,0.4703]
["2023-08-30",0.66990000000000005,0.45390000000000003,0.30780000000000002,0.47720000000000001]
["2023-09-30",0.68359999999999999,0.45950000000000002,0.31180000000000002,0.4849]
["2023-10-28",0.68779999999999997,0.46389999999999998,0.31559999999999999,0.48909999999999998]
["2023-11-29",0.68959999999999999,0.46579999999999999,0.31690000000000002,0.49080000000000001]
["2023-12-30",0.68569999999999998,0.47120000000000001,0.32740000000000002,0.49480000000000002]
["2024-01-31",0.68659999999999999,0.47189999999999999,0.33129999999999998,0.49659999999999999]
["2024-02-28",0.68059999999999998,0.46079999999999999,0.32300000000000001,0.48820000000000002]
["2024-03-30",0.67310000000000003,0.4466,0.30759999999999998,0.4758]
["2024-04-27",0.67330000000000001,0.44940000000000002,0.30690000000000001,0.47649999999999998]
["2024-05-29",0.67930000000000001,0.45669999999999999,0.31230000000000002,0.48280000000000001]
["2024-06-29",0.68640000000000001,0.46529999999999999,0.31859999999999999,0.49009999999999998]
["2024-07-31",0.68410000000000004,0.46879999999999999,0.32319999999999999,0.49199999999999999]
[]
["Figure 93"]
["MONTHLY CREDIT LINE INCREASE INCIDENCE, GENERAL PURPOSE (CCIP)"]
["Date","Superprime","Prime plus","Prime","Near-Prime","Subprime","Deep subprime","Overall"]
["2014-01-29",2E-3,7.0000000000000001E-3,1.21E-2,1.6E-2,1.34E-2,3.0000000000000001E-3,7.1999999999999998E-3]
["2014-02-26",2.7000000000000001E-3,9.7000000000000003E-3,1.49E-2,1.4500000000000001E-2,1.06E-2,2.5000000000000001E-3,8.6E-3]
["2014-03-29",3.3999999999999998E-3,1.14E-2,1.6199999999999999E-2,1.67E-2,1.2200000000000001E-2,2.5000000000000001E-3,9.7000000000000003E-3]
["2014-04-30",3.0000000000000001E-3,1.0500000000000001E-2,2.1000000000000001E-2,2.98E-2,2.41E-2,5.0000000000000001E-3,1.2E-2]
["2014-05-31",5.8999999999999999E-3,1.41E-2,2.2200000000000001E-2,2.5000000000000001E-2,1.84E-2,4.4000000000000003E-3,1.35E-2]
["2014-06-28",3.2000000000000002E-3,9.5999999999999992E-3,1.47E-2,1.6299999999999999E-2,1.2E-2,2.7000000000000001E-3,8.8000000000000005E-3]
["2014-07-30",3.2000000000000002E-3,9.5999999999999992E-3,1.7399999999999999E-2,2.1499999999999998E-2,1.66E-2,3.8999999999999998E-3,0.01]
["2014-08-30",3.3999999999999998E-3,1.12E-2,2.0799999999999999E-2,2.69E-2,2.1000000000000001E-2,5.0000000000000001E-3,1.2E-2]
["2014-09-27",2.8999999999999998E-3,9.4000000000000004E-3,1.41E-2,1.4999999999999999E-2,1.12E-2,2.5999999999999999E-3,8.5000000000000006E-3]
["2014-10-29",3.2000000000000002E-3,9.9000000000000008E-3,1.4500000000000001E-2,1.5299999999999999E-2,1.24E-2,2.8999999999999998E-3,8.8999999999999999E-3]
["2014-11-29",6.7000000000000002E-3,1.7399999999999999E-2,2.35E-2,2.0500000000000001E-2,1.4E-2,3.3999999999999998E-3,1.46E-2]
["2014-12-31",4.1999999999999997E-3,1.24E-2,2.0899999999999998E-2,2.4299999999999999E-2,1.7299999999999999E-2,3.8999999999999998E-3,1.23E-2]
["2015-01-31",3.3999999999999998E-3,1.15E-2,2.0199999999999999E-2,2.3900000000000001E-2,1.83E-2,4.1999999999999997E-3,1.17E-2]
["2015-02-28",3.0999999999999999E-3,0.01,1.6500000000000001E-2,1.67E-2,1.37E-2,3.5000000000000001E-3,9.5999999999999992E-3]
["2015-03-28",4.4000000000000003E-3,1.34E-2,1.7999999999999999E-2,1.66E-2,1.29E-2,3.3E-3,1.12E-2]
["2015-04-29",3.5999999999999999E-3,1.14E-2,1.8100000000000002E-2,2.0199999999999999E-2,1.8200000000000001E-2,5.0000000000000001E-3,1.0999999999999999E-2]
["2015-05-30",7.4000000000000003E-3,1.9699999999999999E-2,3.1899999999999998E-2,3.6499999999999998E-2,2.7699999999999999E-2,6.7000000000000002E-3,1.9300000000000001E-2]
["2015-06-27",3.3E-3,1.03E-2,1.7399999999999999E-2,2.2599999999999999E-2,1.89E-2,4.8999999999999998E-3,1.06E-2]
["2015-07-29",3.5000000000000001E-3,1.15E-2,1.83E-2,2.1399999999999999E-2,1.8800000000000001E-2,5.0000000000000001E-3,1.1299999999999999E-2]
["2015-08-29",4.3E-3,1.38E-2,2.0899999999999998E-2,2.1499999999999998E-2,1.84E-2,5.1999999999999998E-3,1.2800000000000001E-2]
["2015-09-30",5.1000000000000004E-3,1.2999999999999999E-2,1.9099999999999999E-2,2.0899999999999998E-2,1.72E-2,4.7999999999999996E-3,1.2200000000000001E-2]
["2015-10-31",5.7999999999999996E-3,1.49E-2,2.1499999999999998E-2,2.2200000000000001E-2,1.9400000000000001E-2,5.4999999999999997E-3,1.37E-2]
["2015-11-28",6.4000000000000003E-3,1.4200000000000001E-2,2.0199999999999999E-2,2.1100000000000001E-2,1.7299999999999999E-2,4.8999999999999998E-3,1.3299999999999999E-2]
["2015-12-30",5.8999999999999999E-3,1.5699999999999999E-2,2.3E-2,2.7E-2,2.1600000000000001E-2,6.0000000000000001E-3,1.49E-2]
["2016-01-30",3.5000000000000001E-3,1.04E-2,1.72E-2,2.1600000000000001E-2,1.9400000000000001E-2,5.4999999999999997E-3,1.0800000000000001E-2]
["2016-02-27",3.3999999999999998E-3,1.0800000000000001E-2,1.78E-2,2.0500000000000001E-2,1.7500000000000002E-2,4.7000000000000002E-3,1.0800000000000001E-2]
["2016-03-30",5.7000000000000002E-3,1.61E-2,2.3099999999999999E-2,2.47E-2,1.8599999999999998E-2,4.8999999999999998E-3,1.46E-2]
["2016-04-30",4.5999999999999999E-3,1.2800000000000001E-2,2.06E-2,2.41E-2,2.0400000000000001E-2,5.5999999999999999E-3,1.2800000000000001E-2]
["2016-05-28",4.7999999999999996E-3,1.38E-2,2.2599999999999999E-2,2.3800000000000002E-2,1.9599999999999999E-2,5.7000000000000002E-3,1.3599999999999999E-2]
["2016-06-29",5.0000000000000001E-3,1.46E-2,2.3900000000000001E-2,2.69E-2,2.06E-2,5.5999999999999999E-3,1.44E-2]
["2016-07-30",4.8999999999999998E-3,1.4500000000000001E-2,2.29E-2,2.5899999999999999E-2,2.1100000000000001E-2,5.7000000000000002E-3,1.4200000000000001E-2]
["2016-08-31",6.3E-3,1.6899999999999998E-2,2.4299999999999999E-2,2.5000000000000001E-2,2.06E-2,6.1000000000000004E-3,1.5599999999999999E-2]
["2016-09-28",5.8999999999999999E-3,1.4500000000000001E-2,1.9400000000000001E-2,2.06E-2,1.7299999999999999E-2,5.1000000000000004E-3,1.3100000000000001E-2]
["2016-10-29",5.5999999999999999E-3,1.4800000000000001E-2,2.1000000000000001E-2,2.2499999999999999E-2,1.9900000000000001E-2,5.8999999999999999E-3,1.38E-2]
["2016-11-30",7.9000000000000008E-3,1.8700000000000001E-2,2.5600000000000001E-2,2.58E-2,2.2200000000000001E-2,6.1000000000000004E-3,1.7000000000000001E-2]
["2016-12-31",7.4000000000000003E-3,1.7500000000000002E-2,2.2800000000000001E-2,2.24E-2,1.8499999999999999E-2,5.1999999999999998E-3,1.54E-2]
["2017-01-28",4.1000000000000003E-3,1.14E-2,1.6899999999999998E-2,1.7299999999999999E-2,1.47E-2,4.4999999999999997E-3,1.0699999999999999E-2]
["2017-02-25",6.1999999999999998E-3,1.4999999999999999E-2,2.2499999999999999E-2,2.2100000000000002E-2,1.66E-2,4.5999999999999999E-3,1.41E-2]
["2017-03-29",7.3000000000000001E-3,1.8700000000000001E-2,2.3900000000000001E-2,2.2100000000000002E-2,1.7000000000000001E-2,4.4999999999999997E-3,1.5699999999999999E-2]
["2017-04-29",6.7999999999999996E-3,1.6199999999999999E-2,2.0500000000000001E-2,1.9400000000000001E-2,1.6400000000000001E-2,4.4999999999999997E-3,1.3899999999999999E-2]
["2017-05-31",8.2000000000000007E-3,1.9400000000000001E-2,2.6700000000000002E-2,2.3599999999999999E-2,1.9400000000000001E-2,5.7000000000000002E-3,1.72E-2]
["2017-06-28",5.4999999999999997E-3,1.43E-2,1.9099999999999999E-2,1.89E-2,1.55E-2,4.3E-3,1.2500000000000001E-2]
["2017-07-29",6.3E-3,1.7100000000000001E-2,2.3599999999999999E-2,2.2499999999999999E-2,1.7399999999999999E-2,4.4000000000000003E-3,1.4999999999999999E-2]
["2017-08-30",6.8999999999999999E-3,1.78E-2,2.4799999999999999E-2,2.35E-2,1.7999999999999999E-2,4.7999999999999996E-3,1.5699999999999999E-2]
["2017-09-30",7.1000000000000004E-3,1.61E-2,2.0199999999999999E-2,1.9199999999999998E-2,1.44E-2,3.7000000000000002E-3,1.37E-2]
["2017-10-28",5.8999999999999999E-3,1.54E-2,1.9900000000000001E-2,1.77E-2,1.38E-2,3.3999999999999998E-3,1.29E-2]
["2017-11-29",8.0999999999999996E-3,1.9900000000000001E-2,2.6499999999999999E-2,2.47E-2,1.8800000000000001E-2,4.5999999999999999E-3,1.72E-2]
["2017-12-30",6.1999999999999998E-3,1.5599999999999999E-2,2.0899999999999998E-2,2.1399999999999999E-2,1.7399999999999999E-2,4.1999999999999997E-3,1.38E-2]
["2018-01-31",5.1999999999999998E-3,1.4E-2,1.9400000000000001E-2,1.89E-2,1.6199999999999999E-2,4.0000000000000001E-3,1.24E-2]
["2018-02-28",5.5999999999999999E-3,1.49E-2,2.01E-2,1.9099999999999999E-2,1.5599999999999999E-2,4.3E-3,1.2999999999999999E-2]
["2018-03-31",8.9999999999999993E-3,2.0299999999999999E-2,2.3400000000000001E-2,2.2499999999999999E-2,1.67E-2,3.8E-3,1.66E-2]
["2018-04-28",4.8999999999999998E-3,1.41E-2,2.0299999999999999E-2,1.95E-2,1.5800000000000002E-2,3.7000000000000002E-3,1.2500000000000001E-2]
["2018-05-30",6.7999999999999996E-3,1.8200000000000001E-2,2.63E-2,2.3900000000000001E-2,1.89E-2,4.5999999999999999E-3,1.6199999999999999E-2]
["2018-06-30",6.7000000000000002E-3,1.7100000000000001E-2,2.29E-2,2.2200000000000001E-2,1.7100000000000001E-2,4.4000000000000003E-3,1.4800000000000001E-2]
["2018-07-28",5.0000000000000001E-3,1.43E-2,2.0400000000000001E-2,1.89E-2,1.46E-2,3.7000000000000002E-3,1.26E-2]
["2018-08-29",7.3000000000000001E-3,1.84E-2,2.4400000000000002E-2,2.3E-2,1.9599999999999999E-2,5.1999999999999998E-3,1.6E-2]
["2018-09-29",6.4000000000000003E-3,1.7000000000000001E-2,2.1100000000000001E-2,1.9800000000000002E-2,1.6299999999999999E-2,4.1999999999999997E-3,1.41E-2]
["2018-10-31",6.8999999999999999E-3,1.78E-2,2.47E-2,2.3300000000000001E-2,1.9E-2,5.0000000000000001E-3,1.5699999999999999E-2]
["2018-11-28",6.8999999999999999E-3,1.7100000000000001E-2,2.4299999999999999E-2,2.3300000000000001E-2,1.7600000000000001E-2,4.3E-3,1.5299999999999999E-2]
["2018-12-29",6.7999999999999996E-3,1.66E-2,2.1700000000000001E-2,2.18E-2,1.7299999999999999E-2,4.4000000000000003E-3,1.44E-2]
["2019-01-30",5.1000000000000004E-3,1.44E-2,2.06E-2,2.0400000000000001E-2,1.6500000000000001E-2,4.4000000000000003E-3,1.29E-2]
["2019-02-27",5.1000000000000004E-3,1.4800000000000001E-2,2.01E-2,1.7399999999999999E-2,1.34E-2,3.3E-3,1.2500000000000001E-2]
["2019-03-30",7.1999999999999998E-3,1.83E-2,2.24E-2,0.02,1.5299999999999999E-2,4.1999999999999997E-3,1.49E-2]
["2019-04-27",4.4000000000000003E-3,1.2800000000000001E-2,1.89E-2,1.9300000000000001E-2,1.54E-2,3.8E-3,1.1599999999999999E-2]
["2019-05-29",8.0999999999999996E-3,2.0299999999999999E-2,2.7900000000000001E-2,2.4299999999999999E-2,1.8499999999999999E-2,4.5999999999999999E-3,1.7500000000000002E-2]
["2019-06-29",6.7000000000000002E-3,1.7000000000000001E-2,2.2700000000000001E-2,2.1000000000000001E-2,1.5599999999999999E-2,3.8E-3,1.4500000000000001E-2]
["2019-07-31",6.4000000000000003E-3,1.6799999999999999E-2,2.3900000000000001E-2,2.3400000000000001E-2,1.78E-2,4.5999999999999999E-3,1.4999999999999999E-2]
["2019-08-31",6.7999999999999996E-3,1.8100000000000002E-2,2.4799999999999999E-2,2.07E-2,1.5299999999999999E-2,3.8999999999999998E-3,1.54E-2]
["2019-09-28",5.3E-3,1.44E-2,2.0299999999999999E-2,2.0400000000000001E-2,1.5599999999999999E-2,4.1000000000000003E-3,1.2800000000000001E-2]
["2019-10-30",7.0000000000000001E-3,1.78E-2,2.3699999999999999E-2,2.07E-2,1.49E-2,3.8E-3,1.4999999999999999E-2]
["2019-11-30",6.6E-3,1.66E-2,2.35E-2,2.1299999999999999E-2,1.6199999999999999E-2,4.3E-3,1.47E-2]
["2019-12-28",7.7000000000000002E-3,1.7299999999999999E-2,2.1600000000000001E-2,1.9E-2,1.38E-2,3.5000000000000001E-3,1.44E-2]
["2020-01-29",5.0000000000000001E-3,1.3899999999999999E-2,1.9199999999999998E-2,1.8800000000000001E-2,1.47E-2,3.7000000000000002E-3,1.21E-2]
["2020-02-29",5.7999999999999996E-3,1.5699999999999999E-2,2.0400000000000001E-2,1.8499999999999999E-2,1.37E-2,3.3999999999999998E-3,1.3100000000000001E-2]
["2020-03-28",7.1000000000000004E-3,1.7500000000000002E-2,2.07E-2,1.7899999999999999E-2,1.2999999999999999E-2,3.3E-3,1.3899999999999999E-2]
["2020-04-29",4.5999999999999999E-3,1.09E-2,1.38E-2,1.41E-2,1.09E-2,3.0000000000000001E-3,9.4000000000000004E-3]
["2020-05-30",2E-3,5.7000000000000002E-3,8.0999999999999996E-3,9.9000000000000008E-3,8.3000000000000001E-3,2.3999999999999998E-3,5.4000000000000003E-3]
["2020-06-27",1.8E-3,5.1000000000000004E-3,7.3000000000000001E-3,9.1000000000000004E-3,7.4999999999999997E-3,2.3E-3,4.7999999999999996E-3]
["2020-07-29",1.4E-3,5.3E-3,8.3999999999999995E-3,1.0200000000000001E-2,8.3000000000000001E-3,2.5000000000000001E-3,5.1999999999999998E-3]
["2020-08-29",2.2000000000000001E-3,6.1000000000000004E-3,9.1000000000000004E-3,1.12E-2,8.2000000000000007E-3,2.3E-3,5.8999999999999999E-3]
["2020-09-30",1.6999999999999999E-3,5.8999999999999999E-3,7.9000000000000008E-3,9.5999999999999992E-3,7.1999999999999998E-3,2.0999999999999999E-3,5.1999999999999998E-3]
["2020-10-31",2.8999999999999998E-3,8.6E-3,9.4999999999999998E-3,1.11E-2,7.7999999999999996E-3,2E-3,6.8999999999999999E-3]
["2020-11-28",4.3E-3,9.4999999999999998E-3,1.03E-2,9.7000000000000003E-3,5.7000000000000002E-3,1.4E-3,7.4999999999999997E-3]
["2020-12-30",4.5999999999999999E-3,1.29E-2,1.8700000000000001E-2,1.8800000000000001E-2,1.04E-2,2.2000000000000001E-3,1.1299999999999999E-2]
["2021-01-30",3.7000000000000002E-3,9.9000000000000008E-3,1.35E-2,1.3599999999999999E-2,8.2000000000000007E-3,1.8E-3,8.5000000000000006E-3]
["2021-02-27",3.8999999999999998E-3,1.0699999999999999E-2,1.2200000000000001E-2,1.1900000000000001E-2,7.4999999999999997E-3,1.6000000000000001E-3,8.3999999999999995E-3]
["2021-03-31",5.0000000000000001E-3,1.4200000000000001E-2,1.78E-2,1.5299999999999999E-2,9.1999999999999998E-3,2.2000000000000001E-3,1.1299999999999999E-2]
["2021-04-28",6.8999999999999999E-3,1.6299999999999999E-2,1.8700000000000001E-2,1.6199999999999999E-2,9.9000000000000008E-3,2.3E-3,1.29E-2]
["2021-05-29",6.7000000000000002E-3,1.6799999999999999E-2,2.1999999999999999E-2,2.1100000000000001E-2,1.2800000000000001E-2,2.8999999999999998E-3,1.43E-2]
["2021-06-30",6.4999999999999997E-3,1.5900000000000001E-2,2.1700000000000001E-2,1.9800000000000002E-2,1.21E-2,2.8E-3,1.37E-2]
["2021-07-31",6.8999999999999999E-3,1.7600000000000001E-2,2.47E-2,2.18E-2,1.2699999999999999E-2,2.8999999999999998E-3,1.52E-2]
["2021-08-28",1.17E-2,2.24E-2,2.64E-2,2.06E-2,1.2699999999999999E-2,3.0999999999999999E-3,1.84E-2]
["2021-09-29",6.1999999999999998E-3,1.6400000000000001E-2,2.3900000000000001E-2,2.4500000000000001E-2,1.6899999999999998E-2,4.3E-3,1.49E-2]
["2021-10-30",7.3000000000000001E-3,1.78E-2,2.29E-2,2.07E-2,1.38E-2,3.5000000000000001E-3,1.4999999999999999E-2]
["2021-11-27",8.9999999999999993E-3,1.8700000000000001E-2,2.4E-2,2.41E-2,1.67E-2,4.5999999999999999E-3,1.6500000000000001E-2]
["2021-12-29",1.11E-2,2.29E-2,2.9399999999999999E-2,2.7099999999999999E-2,1.8100000000000002E-2,4.8999999999999998E-3,1.9900000000000001E-2]
["2022-01-29",6.1999999999999998E-3,1.49E-2,2.1499999999999998E-2,2.1299999999999999E-2,1.5599999999999999E-2,4.4999999999999997E-3,1.37E-2]
["2022-02-26",6.1999999999999998E-3,1.6500000000000001E-2,2.1399999999999999E-2,1.83E-2,1.2200000000000001E-2,3.5999999999999999E-3,1.37E-2]
["2022-03-30",1.06E-2,2.2800000000000001E-2,2.8000000000000001E-2,2.4899999999999999E-2,1.6400000000000001E-2,4.7000000000000002E-3,1.9099999999999999E-2]
["2022-04-30",7.0000000000000001E-3,1.7000000000000001E-2,2.4E-2,2.2700000000000001E-2,1.6E-2,5.1000000000000004E-3,1.5299999999999999E-2]
["2022-05-28",9.7000000000000003E-3,1.9900000000000001E-2,2.41E-2,2.2100000000000002E-2,1.5100000000000001E-2,4.4999999999999997E-3,1.6799999999999999E-2]
["2022-06-29",7.4000000000000003E-3,1.78E-2,2.5700000000000001E-2,2.3599999999999999E-2,1.5800000000000002E-2,4.7999999999999996E-3,1.6E-2]
["2022-07-30",6.6E-3,1.6899999999999998E-2,2.4E-2,2.2100000000000002E-2,1.5100000000000001E-2,4.7000000000000002E-3,1.49E-2]
["2022-08-31",1.12E-2,2.29E-2,2.5399999999999999E-2,1.9599999999999999E-2,1.2800000000000001E-2,3.8999999999999998E-3,1.7999999999999999E-2]
["2022-09-28",5.7999999999999996E-3,1.5800000000000002E-2,2.2499999999999999E-2,2.0199999999999999E-2,1.35E-2,4.1000000000000003E-3,1.38E-2]
["2022-10-29",6.7000000000000002E-3,1.7100000000000001E-2,2.24E-2,1.84E-2,1.21E-2,4.1999999999999997E-3,1.4200000000000001E-2]
["2022-11-30",9.9000000000000008E-3,2.1000000000000001E-2,2.53E-2,2.0899999999999998E-2,1.3899999999999999E-2,4.1999999999999997E-3,1.7100000000000001E-2]
["2022-12-31",8.9999999999999993E-3,2.0199999999999999E-2,2.6499999999999999E-2,2.1700000000000001E-2,1.38E-2,4.1000000000000003E-3,1.6899999999999998E-2]
["2023-01-28",5.8999999999999999E-3,1.46E-2,1.9E-2,1.67E-2,1.09E-2,3.3999999999999998E-3,1.21E-2]
["2023-02-25",8.0999999999999996E-3,1.8100000000000002E-2,1.9E-2,1.44E-2,9.1999999999999998E-3,2.8999999999999998E-3,1.35E-2]
["2023-03-29",9.1000000000000004E-3,0.02,2.4E-2,1.9099999999999999E-2,1.17E-2,3.3E-3,1.5900000000000001E-2]
["2023-04-29",6.3E-3,1.6E-2,2.1299999999999999E-2,1.7100000000000001E-2,1.04E-2,3.0000000000000001E-3,1.3100000000000001E-2]
["2023-05-31",8.3999999999999995E-3,1.7899999999999999E-2,2.01E-2,1.5900000000000001E-2,9.7000000000000003E-3,2.8E-3,1.3899999999999999E-2]
["2023-06-28",7.0000000000000001E-3,1.6899999999999998E-2,2.24E-2,1.89E-2,1.0999999999999999E-2,2.8E-3,1.3899999999999999E-2]
["2023-07-29",6.4999999999999997E-3,1.5599999999999999E-2,2.0299999999999999E-2,1.7600000000000001E-2,1.0699999999999999E-2,2.8E-3,1.2800000000000001E-2]
["2023-08-30",8.6E-3,1.77E-2,1.9699999999999999E-2,1.6500000000000001E-2,1.03E-2,2.5000000000000001E-3,1.38E-2]
["2023-09-30",8.6E-3,1.9E-2,2.1700000000000001E-2,1.6199999999999999E-2,9.2999999999999992E-3,2.3E-3,1.44E-2]
["2023-10-28",6.1000000000000004E-3,1.38E-2,1.61E-2,1.2699999999999999E-2,7.4000000000000003E-3,2E-3,1.06E-2]
["2023-11-29",1.09E-2,2.23E-2,2.3599999999999999E-2,1.6500000000000001E-2,9.1000000000000004E-3,2.5000000000000001E-3,1.6400000000000001E-2]
["2023-12-30",8.9999999999999993E-3,0.02,2.1899999999999999E-2,1.5699999999999999E-2,8.8999999999999999E-3,2.5999999999999999E-3,1.4800000000000001E-2]
["2024-01-31",7.1000000000000004E-3,1.61E-2,1.77E-2,1.32E-2,7.6E-3,2.2000000000000001E-3,1.1900000000000001E-2]
["2024-02-28",8.6E-3,1.78E-2,1.7600000000000001E-2,1.2699999999999999E-2,6.8999999999999999E-3,2E-3,1.2699999999999999E-2]
["2024-03-30",6.4000000000000003E-3,1.6400000000000001E-2,1.9300000000000001E-2,1.5100000000000001E-2,8.3999999999999995E-3,2.3999999999999998E-3,1.23E-2]
["2024-04-27",5.8999999999999999E-3,1.49E-2,1.7999999999999999E-2,1.34E-2,7.0000000000000001E-3,2.0999999999999999E-3,1.12E-2]
["2024-05-29",8.8000000000000005E-3,1.95E-2,2.0400000000000001E-2,1.4800000000000001E-2,8.3000000000000001E-3,2.3E-3,1.41E-2]
["2024-06-29",6.7000000000000002E-3,1.67E-2,2.12E-2,1.7500000000000002E-2,9.1000000000000004E-3,2.3999999999999998E-3,1.2999999999999999E-2]
["2024-07-31",7.0000000000000001E-3,1.66E-2,1.89E-2,1.5900000000000001E-2,9.4999999999999998E-3,2.3999999999999998E-3,1.26E-2]
[]
["Figure 94"]
["QUARTERLY PROACTIVE CREDIT LINE INCREASE INCIDENCE, GENERAL PURPOSE (Y-14)"]
["Quarter","Superprime","Prime plus","Prime","Near-prime","Subprime and deep subprime","Overall"]
["2015Q1",1.1299999999999999E-2,3.9300000000000002E-2,5.0999999999999997E-2,3.85E-2,3.1099999999999999E-2,3.2899999999999999E-2]
["2015Q2",1.3100000000000001E-2,4.9399999999999999E-2,6.93E-2,5.9299999999999999E-2,4.9099999999999998E-2,4.3499999999999997E-2]
["2015Q3",1.09E-2,3.8399999999999997E-2,4.99E-2,3.7600000000000001E-2,3.09E-2,3.1800000000000002E-2]
["2015Q4",1.3599999999999999E-2,4.0399999999999998E-2,5.8500000000000003E-2,5.1499999999999997E-2,3.9199999999999999E-2,3.6700000000000003E-2]
["2016Q1",1.15E-2,3.8300000000000001E-2,5.6000000000000001E-2,4.9299999999999997E-2,3.8699999999999998E-2,3.4799999999999998E-2]
["2016Q2",1.2800000000000001E-2,0.04,5.7700000000000001E-2,5.3699999999999998E-2,4.0399999999999998E-2,3.6400000000000002E-2]
["2016Q3",1.8700000000000001E-2,5.1900000000000002E-2,6.4699999999999994E-2,5.0900000000000001E-2,3.6799999999999999E-2,4.2999999999999997E-2]
["2016Q4",2.1600000000000001E-2,5.28E-2,6.4199999999999993E-2,4.9599999999999998E-2,3.5400000000000001E-2,4.3799999999999999E-2]
["2017Q1",1.6799999999999999E-2,4.8399999999999999E-2,6.0600000000000001E-2,4.2700000000000002E-2,2.5999999999999999E-2,3.8699999999999998E-2]
["2017Q2",1.7500000000000002E-2,4.9299999999999997E-2,5.8099999999999999E-2,3.9199999999999999E-2,2.1000000000000001E-2,3.7900000000000003E-2]
["2017Q3",1.9599999999999999E-2,5.4300000000000001E-2,6.7199999999999996E-2,4.9799999999999997E-2,2.8299999999999999E-2,4.3499999999999997E-2]
["2017Q4",1.7899999999999999E-2,5.0999999999999997E-2,6.1100000000000002E-2,4.2599999999999999E-2,2.5700000000000001E-2,3.9899999999999998E-2]
["2018Q1",1.77E-2,5.21E-2,6.3100000000000003E-2,4.48E-2,2.6499999999999999E-2,4.1000000000000002E-2]
["2018Q2",1.7999999999999999E-2,5.3499999999999999E-2,7.0800000000000002E-2,5.1200000000000002E-2,2.87E-2,4.36E-2]
["2018Q3",1.9300000000000001E-2,5.5500000000000001E-2,6.7799999999999999E-2,4.9200000000000001E-2,2.9100000000000001E-2,4.3499999999999997E-2]
["2018Q4",2.18E-2,5.7299999999999997E-2,6.9900000000000004E-2,5.1700000000000003E-2,3.1199999999999999E-2,4.5400000000000003E-2]
["2019Q1",1.7600000000000001E-2,5.0799999999999998E-2,6.4100000000000004E-2,4.8399999999999999E-2,3.1600000000000003E-2,4.07E-2]
["2019Q2",2.1899999999999999E-2,5.7700000000000001E-2,7.2999999999999995E-2,5.21E-2,3.1800000000000002E-2,4.6199999999999998E-2]
["2019Q3",1.9599999999999999E-2,5.96E-2,7.2099999999999997E-2,5.0799999999999998E-2,3.0499999999999999E-2,4.5600000000000002E-2]
["2019Q4",2.1000000000000001E-2,5.6000000000000001E-2,6.7699999999999996E-2,4.7199999999999999E-2,3.04E-2,4.3799999999999999E-2]
["2020Q1",1.5900000000000001E-2,4.8500000000000001E-2,5.7299999999999997E-2,4.1399999999999999E-2,2.9600000000000001E-2,3.73E-2]
["2020Q2",1.9E-3,1.26E-2,2.1100000000000001E-2,2.6100000000000002E-2,2.3800000000000002E-2,1.2500000000000001E-2]
["2020Q3",1.8E-3,1.24E-2,1.7500000000000002E-2,2.0500000000000001E-2,1.8800000000000001E-2,1.0699999999999999E-2]
["2020Q4",1.17E-2,3.3500000000000002E-2,3.8300000000000001E-2,3.3000000000000002E-2,1.7600000000000001E-2,2.5499999999999998E-2]
["2021Q1",1.17E-2,3.61E-2,4.2700000000000002E-2,3.2599999999999997E-2,1.84E-2,2.7300000000000001E-2]
["2021Q2",2.0799999999999999E-2,5.2299999999999999E-2,6.8199999999999997E-2,5.5E-2,3.2099999999999997E-2,4.2999999999999997E-2]
["2021Q3",3.27E-2,6.0699999999999997E-2,7.8600000000000003E-2,5.5800000000000002E-2,2.9700000000000001E-2,5.1900000000000002E-2]
["2021Q4",2.87E-2,6.0600000000000001E-2,8.0399999999999999E-2,6.3600000000000004E-2,3.7699999999999997E-2,5.1900000000000002E-2]
["2022Q1",2.4199999999999999E-2,5.7200000000000001E-2,7.2999999999999995E-2,4.8399999999999999E-2,2.41E-2,4.58E-2]
["2022Q2",2.7E-2,5.9700000000000003E-2,7.7499999999999999E-2,5.0500000000000003E-2,2.4E-2,4.8500000000000001E-2]
["2022Q3",2.4E-2,5.6800000000000003E-2,7.1900000000000006E-2,4.6699999999999998E-2,2.0500000000000001E-2,4.4900000000000002E-2]
["2022Q4",2.47E-2,5.8799999999999998E-2,7.2999999999999995E-2,4.3999999999999997E-2,1.7999999999999999E-2,4.5600000000000002E-2]
["2023Q1",2.1499999999999998E-2,5.4300000000000001E-2,6.3E-2,3.3399999999999999E-2,1.11E-2,3.9699999999999999E-2]
["2023Q2",1.8599999999999998E-2,4.6800000000000001E-2,5.6000000000000001E-2,2.81E-2,7.4999999999999997E-3,3.4299999999999997E-2]
["2023Q3",2.0299999999999999E-2,4.7300000000000002E-2,5.11E-2,2.5000000000000001E-2,7.4000000000000003E-3,3.4000000000000002E-2]
["2023Q4",2.1999999999999999E-2,5.2699999999999997E-2,5.5500000000000001E-2,2.4899999999999999E-2,6.8999999999999999E-3,3.6900000000000002E-2]
["2024Q1",1.72E-2,4.7199999999999999E-2,5.0599999999999999E-2,2.1000000000000001E-2,4.8999999999999998E-3,3.2000000000000001E-2]
["2024Q2",1.67E-2,4.7199999999999999E-2,5.1799999999999999E-2,2.2700000000000001E-2,5.5999999999999999E-3,3.2199999999999999E-2]
["2024Q3",1.8700000000000001E-2,4.7699999999999999E-2,4.7800000000000002E-2,2.1000000000000001E-2,5.8999999999999999E-3,3.2300000000000002E-2]
["2024Q4",1.7500000000000002E-2,4.3799999999999999E-2,4.3499999999999997E-2,1.83E-2,4.4000000000000003E-3,2.9499999999999998E-2]
[]
["Figure 95"]
["MONTHLY CREDIT LINE DECREASE INCIDENCE, GENERAL PURPOSE (CCIP)"]
["Date","Superprime","Prime plus","Prime","Near-prime","Subprime","Deep subprime","Overall"]
["2014-01-29",2.8999999999999998E-3,2.8E-3,3.0999999999999999E-3,3.5999999999999999E-3,4.3E-3,1.5E-3,2.8999999999999998E-3]
["2014-02-26",4.0000000000000001E-3,3.3999999999999998E-3,3.2000000000000002E-3,3.5000000000000001E-3,3.7000000000000002E-3,1.4E-3,3.3999999999999998E-3]
["2014-03-29",4.4000000000000003E-3,4.1999999999999997E-3,4.0000000000000001E-3,4.7999999999999996E-3,5.5999999999999999E-3,2.3999999999999998E-3,4.1999999999999997E-3]
["2014-04-30",3.7000000000000002E-3,4.0000000000000001E-3,3.8E-3,4.4000000000000003E-3,5.0000000000000001E-3,2.3E-3,3.8E-3]
["2014-05-31",3.0999999999999999E-3,3.3999999999999998E-3,3.3999999999999998E-3,3.5999999999999999E-3,4.1000000000000003E-3,1.6999999999999999E-3,3.2000000000000002E-3]
["2014-06-28",2.8E-3,2.8E-3,2.7000000000000001E-3,3.2000000000000002E-3,3.3999999999999998E-3,1.6999999999999999E-3,2.8E-3]
["2014-07-30",3.5000000000000001E-3,3.3E-3,3.0999999999999999E-3,3.5999999999999999E-3,4.0000000000000001E-3,1.6000000000000001E-3,3.2000000000000002E-3]
["2014-08-30",2.3999999999999998E-3,2.3999999999999998E-3,2.7000000000000001E-3,3.2000000000000002E-3,3.0000000000000001E-3,1.2999999999999999E-3,2.5000000000000001E-3]
["2014-09-27",2.5000000000000001E-3,2.3E-3,2.3999999999999998E-3,3.0000000000000001E-3,3.5999999999999999E-3,2.0999999999999999E-3,2.5000000000000001E-3]
["2014-10-29",4.1000000000000003E-3,3.7000000000000002E-3,3.2000000000000002E-3,3.5000000000000001E-3,4.1999999999999997E-3,1.9E-3,3.5999999999999999E-3]
["2014-11-29",3.0999999999999999E-3,3.2000000000000002E-3,3.3999999999999998E-3,3.8E-3,4.4999999999999997E-3,1.8E-3,3.2000000000000002E-3]
["2014-12-31",3.0999999999999999E-3,3.0000000000000001E-3,3.0000000000000001E-3,3.7000000000000002E-3,4.4999999999999997E-3,2.0999999999999999E-3,3.0999999999999999E-3]
["2015-01-31",4.3E-3,3.5999999999999999E-3,3.0000000000000001E-3,3.3E-3,3.5999999999999999E-3,1.6000000000000001E-3,3.5000000000000001E-3]
["2015-02-28",3.3E-3,3.0999999999999999E-3,2.8999999999999998E-3,3.5999999999999999E-3,4.4999999999999997E-3,1.8E-3,3.0999999999999999E-3]
["2015-03-28",3.7000000000000002E-3,3.0999999999999999E-3,3.0000000000000001E-3,3.8E-3,4.5999999999999999E-3,2.2000000000000001E-3,3.3E-3]
["2015-04-29",3.2000000000000002E-3,3.0999999999999999E-3,3.2000000000000002E-3,4.1000000000000003E-3,4.8999999999999998E-3,2.2000000000000001E-3,3.2000000000000002E-3]
["2015-05-30",2.7000000000000001E-3,2.8E-3,3.0999999999999999E-3,3.8E-3,4.1999999999999997E-3,1.9E-3,2.8999999999999998E-3]
["2015-06-27",2.0999999999999999E-3,2.3E-3,2.5000000000000001E-3,2.8999999999999998E-3,3.2000000000000002E-3,1.6000000000000001E-3,2.3E-3]
["2015-07-29",3.3E-3,3.0999999999999999E-3,3.0000000000000001E-3,3.3E-3,3.5000000000000001E-3,1.6000000000000001E-3,3.0999999999999999E-3]
["2015-08-29",1.9E-3,2.2000000000000001E-3,2.8999999999999998E-3,3.0999999999999999E-3,3.5000000000000001E-3,1.6000000000000001E-3,2.3E-3]
["2015-09-30",1.9E-3,2.0999999999999999E-3,2.5000000000000001E-3,3.0999999999999999E-3,3.5999999999999999E-3,1.8E-3,2.3E-3]
["2015-10-31",2E-3,2.0999999999999999E-3,2.3999999999999998E-3,3.2000000000000002E-3,3.5999999999999999E-3,1.6999999999999999E-3,2.3E-3]
["2015-11-28",2.5000000000000001E-3,2.3E-3,2.3999999999999998E-3,2.8999999999999998E-3,3.3E-3,1.5E-3,2.3999999999999998E-3]
["2015-12-30",2E-3,2.2000000000000001E-3,2.3E-3,3.2000000000000002E-3,3.8999999999999998E-3,2.2000000000000001E-3,2.3E-3]
["2016-01-30",6.1000000000000004E-3,4.5999999999999999E-3,3.3E-3,3.0999999999999999E-3,3.5000000000000001E-3,1.6999999999999999E-3,4.4000000000000003E-3]
["2016-02-27",4.5999999999999999E-3,3.5999999999999999E-3,2.8999999999999998E-3,2.8999999999999998E-3,3.2000000000000002E-3,1.6000000000000001E-3,3.5999999999999999E-3]
["2016-03-30",4.0000000000000001E-3,3.2000000000000002E-3,2.7000000000000001E-3,3.5999999999999999E-3,4.5999999999999999E-3,2.3E-3,3.3999999999999998E-3]
["2016-04-30",3.3E-3,2.8999999999999998E-3,2.5000000000000001E-3,3.0000000000000001E-3,3.5999999999999999E-3,1.9E-3,2.8999999999999998E-3]
["2016-05-28",2.3E-3,2.3E-3,2.2000000000000001E-3,2.7000000000000001E-3,3.3999999999999998E-3,1.6999999999999999E-3,2.3E-3]
["2016-06-29",3.3999999999999998E-3,3.0999999999999999E-3,2.5999999999999999E-3,3.0999999999999999E-3,3.8999999999999998E-3,2E-3,3.0999999999999999E-3]
["2016-07-30",3.3E-3,3.0000000000000001E-3,2.5000000000000001E-3,2.8999999999999998E-3,3.3999999999999998E-3,1.8E-3,2.8999999999999998E-3]
["2016-08-31",2.3999999999999998E-3,2.3E-3,2.3999999999999998E-3,2.8E-3,3.0999999999999999E-3,1.5E-3,2.3999999999999998E-3]
["2016-09-28",1.9E-3,1.9E-3,2.0999999999999999E-3,2.8E-3,3.3E-3,1.9E-3,2.0999999999999999E-3]
["2016-10-29",3.7000000000000002E-3,3.0999999999999999E-3,2.8E-3,3.3E-3,3.8999999999999998E-3,1.8E-3,3.2000000000000002E-3]
["2016-11-30",4.4999999999999997E-3,3.7000000000000002E-3,3.0999999999999999E-3,3.3999999999999998E-3,4.1000000000000003E-3,1.9E-3,3.7000000000000002E-3]
["2016-12-31",2.2000000000000001E-3,2.0999999999999999E-3,2.3E-3,3.0999999999999999E-3,3.8999999999999998E-3,2.2000000000000001E-3,2.3999999999999998E-3]
["2017-01-28",3.0999999999999999E-3,2.5999999999999999E-3,2.5000000000000001E-3,3.0000000000000001E-3,3.2000000000000002E-3,1.6999999999999999E-3,2.7000000000000001E-3]
["2017-02-25",3.8999999999999998E-3,3.2000000000000002E-3,2.8E-3,3.2000000000000002E-3,4.0000000000000001E-3,1.9E-3,3.3E-3]
["2017-03-29",2.8999999999999998E-3,2.7000000000000001E-3,2.8E-3,3.8999999999999998E-3,4.7000000000000002E-3,2.5999999999999999E-3,3.0000000000000001E-3]
["2017-04-29",3.0999999999999999E-3,2.8E-3,2.8E-3,3.8E-3,4.4000000000000003E-3,2.3E-3,3.0000000000000001E-3]
["2017-05-31",3.0999999999999999E-3,2.8E-3,3.0000000000000001E-3,3.3999999999999998E-3,4.0000000000000001E-3,2E-3,3.0000000000000001E-3]
["2017-06-28",2.5999999999999999E-3,2.3999999999999998E-3,2.5000000000000001E-3,3.2000000000000002E-3,4.0000000000000001E-3,2.5999999999999999E-3,2.5999999999999999E-3]
["2017-07-29",4.1000000000000003E-3,3.5000000000000001E-3,3.2000000000000002E-3,3.7000000000000002E-3,4.1999999999999997E-3,2.3999999999999998E-3,3.5999999999999999E-3]
["2017-08-30",3.0999999999999999E-3,2.7000000000000001E-3,3.0000000000000001E-3,3.5999999999999999E-3,3.8E-3,1.9E-3,2.8999999999999998E-3]
["2017-09-30",2.5999999999999999E-3,2.3999999999999998E-3,2.8E-3,3.8E-3,4.3E-3,2.7000000000000001E-3,2.8E-3]
["2017-10-28",2.2000000000000001E-3,2.0999999999999999E-3,2.3999999999999998E-3,2.8999999999999998E-3,3.2000000000000002E-3,1.9E-3,2.3E-3]
["2017-11-29",3.8999999999999998E-3,3.0999999999999999E-3,3.3999999999999998E-3,4.1999999999999997E-3,4.3E-3,2.3999999999999998E-3,3.5000000000000001E-3]
["2017-12-30",2.7000000000000001E-3,2.3999999999999998E-3,2.8E-3,3.8999999999999998E-3,4.4999999999999997E-3,2.7000000000000001E-3,2.8E-3]
["2018-01-31",2.5999999999999999E-3,2.3999999999999998E-3,2.8999999999999998E-3,4.0000000000000001E-3,4.4999999999999997E-3,2.3999999999999998E-3,2.8E-3]
["2018-02-28",2.8999999999999998E-3,2.8999999999999998E-3,3.5999999999999999E-3,4.4999999999999997E-3,4.4999999999999997E-3,2.2000000000000001E-3,3.2000000000000002E-3]
["2018-03-31",2.8E-3,2.5000000000000001E-3,3.0999999999999999E-3,4.7000000000000002E-3,5.7999999999999996E-3,3.0999999999999999E-3,3.0999999999999999E-3]
["2018-04-28",2.5000000000000001E-3,2.5000000000000001E-3,3.0000000000000001E-3,4.3E-3,5.1000000000000004E-3,2.3999999999999998E-3,2.8E-3]
["2018-05-30",2.8999999999999998E-3,2.7000000000000001E-3,3.3E-3,4.5999999999999999E-3,4.7000000000000002E-3,2.2000000000000001E-3,3.0999999999999999E-3]
["2018-06-30",2.5000000000000001E-3,2.3999999999999998E-3,2.8999999999999998E-3,4.1999999999999997E-3,4.8999999999999998E-3,2.8999999999999998E-3,2.8E-3]
["2018-07-28",2.8E-3,2.3999999999999998E-3,2.7000000000000001E-3,3.8E-3,4.1000000000000003E-3,2.0999999999999999E-3,2.7000000000000001E-3]
["2018-08-29",2.7000000000000001E-3,2.5999999999999999E-3,3.3999999999999998E-3,4.3E-3,4.4000000000000003E-3,2.0999999999999999E-3,2.8999999999999998E-3]
["2018-09-29",2.5999999999999999E-3,2.5000000000000001E-3,3.2000000000000002E-3,4.7000000000000002E-3,5.1000000000000004E-3,3.0000000000000001E-3,3.0000000000000001E-3]
["2018-10-31",2.8E-3,2.5999999999999999E-3,3.3E-3,4.4000000000000003E-3,5.1000000000000004E-3,2.5999999999999999E-3,3.0999999999999999E-3]
["2018-11-28",2.5000000000000001E-3,2.5000000000000001E-3,3.3E-3,4.3E-3,4.1999999999999997E-3,1.8E-3,2.8E-3]
["2018-12-29",2.3999999999999998E-3,2.3999999999999998E-3,3.0999999999999999E-3,4.5999999999999999E-3,5.1000000000000004E-3,2.8999999999999998E-3,2.8999999999999998E-3]
["2019-01-30",2.8E-3,2.5999999999999999E-3,3.3E-3,4.7000000000000002E-3,4.7999999999999996E-3,2.3999999999999998E-3,3.0999999999999999E-3]
["2019-02-27",2.8E-3,2.5999999999999999E-3,3.5000000000000001E-3,4.4999999999999997E-3,4.4000000000000003E-3,2E-3,3.0000000000000001E-3]
["2019-03-30",3.3E-3,3.0999999999999999E-3,3.8E-3,5.4999999999999997E-3,6.3E-3,3.5000000000000001E-3,3.7000000000000002E-3]
["2019-04-27",3.7000000000000002E-3,2.8999999999999998E-3,3.2000000000000002E-3,4.3E-3,5.1000000000000004E-3,2.5999999999999999E-3,3.3999999999999998E-3]
["2019-05-29",4.0000000000000001E-3,3.0999999999999999E-3,3.3999999999999998E-3,4.7999999999999996E-3,5.3E-3,2.5000000000000001E-3,3.5999999999999999E-3]
["2019-06-29",5.1000000000000004E-3,3.8999999999999998E-3,3.8E-3,5.1000000000000004E-3,5.5999999999999999E-3,3.0999999999999999E-3,4.3E-3]
["2019-07-31",4.4999999999999997E-3,3.5000000000000001E-3,3.5999999999999999E-3,4.5999999999999999E-3,5.1999999999999998E-3,2.5000000000000001E-3,3.8999999999999998E-3]
["2019-08-31",3.0999999999999999E-3,2.8E-3,3.5000000000000001E-3,4.4000000000000003E-3,3.8999999999999998E-3,2E-3,3.0999999999999999E-3]
["2019-09-28",2.3E-3,2.2000000000000001E-3,2.8999999999999998E-3,4.5999999999999999E-3,4.8999999999999998E-3,2.5999999999999999E-3,2.7000000000000001E-3]
["2019-10-30",2.3E-3,2.3999999999999998E-3,3.3E-3,4.7000000000000002E-3,4.4999999999999997E-3,2.5000000000000001E-3,2.8E-3]
["2019-11-30",3.0000000000000001E-3,2.8999999999999998E-3,3.8E-3,4.4999999999999997E-3,3.8E-3,2E-3,3.2000000000000002E-3]
["2019-12-28",2.7000000000000001E-3,2.3999999999999998E-3,2.8999999999999998E-3,4.1999999999999997E-3,4.4999999999999997E-3,2.5999999999999999E-3,2.8999999999999998E-3]
["2020-01-29",2.5999999999999999E-3,2.5000000000000001E-3,3.0999999999999999E-3,4.4999999999999997E-3,5.0000000000000001E-3,2.8E-3,3.0000000000000001E-3]
["2020-02-29",3.3E-3,3.0000000000000001E-3,3.5999999999999999E-3,4.8999999999999998E-3,5.4000000000000003E-3,3.2000000000000002E-3,3.5000000000000001E-3]
["2020-03-28",2.3E-3,2.0999999999999999E-3,2.8999999999999998E-3,4.4000000000000003E-3,5.0000000000000001E-3,2.8E-3,2.7000000000000001E-3]
["2020-04-29",3.8E-3,3.3E-3,3.5999999999999999E-3,5.1999999999999998E-3,5.5999999999999999E-3,3.0000000000000001E-3,3.8E-3]
["2020-05-30",4.8999999999999998E-3,4.5999999999999999E-3,4.8999999999999998E-3,6.6E-3,7.1000000000000004E-3,4.5999999999999999E-3,5.0000000000000001E-3]
["2020-06-27",2.5999999999999999E-3,2.5000000000000001E-3,3.5999999999999999E-3,5.4000000000000003E-3,5.8999999999999999E-3,3.3E-3,3.2000000000000002E-3]
["2020-07-29",9.4000000000000004E-3,5.1000000000000004E-3,5.0000000000000001E-3,6.7999999999999996E-3,6.7000000000000002E-3,3.5000000000000001E-3,6.3E-3]
["2020-08-29",4.4000000000000003E-3,3.3E-3,4.8999999999999998E-3,6.7000000000000002E-3,6.3E-3,3.2000000000000002E-3,4.3E-3]
["2020-09-30",6.1000000000000004E-3,4.3E-3,4.7999999999999996E-3,5.4999999999999997E-3,5.1000000000000004E-3,2.5999999999999999E-3,4.8999999999999998E-3]
["2020-10-31",2.8999999999999998E-3,2.7000000000000001E-3,4.4000000000000003E-3,5.4000000000000003E-3,5.1000000000000004E-3,2.7000000000000001E-3,3.3999999999999998E-3]
["2020-11-28",4.1000000000000003E-3,3.0000000000000001E-3,3.8E-3,5.1000000000000004E-3,4.7000000000000002E-3,2.5000000000000001E-3,3.7000000000000002E-3]
["2020-12-30",2.2000000000000001E-3,2E-3,3.7000000000000002E-3,5.4000000000000003E-3,4.8999999999999998E-3,2.8999999999999998E-3,2.8E-3]
["2021-01-30",3.7000000000000002E-3,3.5999999999999999E-3,4.3E-3,5.0000000000000001E-3,4.7000000000000002E-3,2.5999999999999999E-3,3.8E-3]
["2021-02-27",5.5999999999999999E-3,5.0000000000000001E-3,4.8999999999999998E-3,5.4000000000000003E-3,4.8999999999999998E-3,2.5000000000000001E-3,5.0000000000000001E-3]
["2021-03-31",3.0999999999999999E-3,3.0999999999999999E-3,4.0000000000000001E-3,4.8999999999999998E-3,4.5999999999999999E-3,2.7000000000000001E-3,3.5000000000000001E-3]
["2021-04-28",2.8E-3,2.5999999999999999E-3,3.3999999999999998E-3,4.3E-3,4.1000000000000003E-3,2.5000000000000001E-3,3.0000000000000001E-3]
["2021-05-29",2.7000000000000001E-3,2.5000000000000001E-3,3.2000000000000002E-3,3.8E-3,3.7000000000000002E-3,2.3E-3,2.8E-3]
["2021-06-30",2.5000000000000001E-3,2.3999999999999998E-3,2.8999999999999998E-3,4.0000000000000001E-3,4.3E-3,2.5000000000000001E-3,2.8E-3]
["2021-07-31",1.6999999999999999E-3,1.6999999999999999E-3,2.3E-3,3.3E-3,3.3E-3,2.0999999999999999E-3,2E-3]
["2021-08-28",1.6000000000000001E-3,1.5E-3,2.3999999999999998E-3,3.2000000000000002E-3,3.3E-3,2E-3,2E-3]
["2021-09-29",1.9E-3,1.9E-3,2.5999999999999999E-3,3.5999999999999999E-3,3.8999999999999998E-3,2.2000000000000001E-3,2.3E-3]
["2021-10-30",1.9E-3,1.9E-3,2.5999999999999999E-3,3.8E-3,3.5999999999999999E-3,2.3E-3,2.3E-3]
["2021-11-27",2E-3,1.8E-3,2.5999999999999999E-3,4.0000000000000001E-3,4.1000000000000003E-3,2.3E-3,2.3E-3]
["2021-12-29",2.0999999999999999E-3,1.9E-3,2.5999999999999999E-3,3.8999999999999998E-3,4.1000000000000003E-3,2.3E-3,2.3999999999999998E-3]
["2022-01-29",3.0000000000000001E-3,2.8999999999999998E-3,3.3999999999999998E-3,4.4999999999999997E-3,4.4000000000000003E-3,2.5000000000000001E-3,3.2000000000000002E-3]
["2022-02-26",2.7000000000000001E-3,2.7000000000000001E-3,3.2000000000000002E-3,4.4000000000000003E-3,4.4999999999999997E-3,2.3999999999999998E-3,3.0000000000000001E-3]
["2022-03-30",2.3999999999999998E-3,2.3E-3,3.0000000000000001E-3,4.5999999999999999E-3,4.8999999999999998E-3,2.7000000000000001E-3,2.8E-3]
["2022-04-30",2.3999999999999998E-3,2.3E-3,3.0000000000000001E-3,4.1999999999999997E-3,4.4999999999999997E-3,2.5999999999999999E-3,2.8E-3]
["2022-05-28",1.8E-3,1.8E-3,2.5000000000000001E-3,3.7000000000000002E-3,3.8999999999999998E-3,2.2000000000000001E-3,2.2000000000000001E-3]
["2022-06-29",1.6999999999999999E-3,1.8E-3,2.8E-3,4.3E-3,4.4000000000000003E-3,2.5999999999999999E-3,2.3999999999999998E-3]
["2022-07-30",1.5E-3,1.6999999999999999E-3,2.7000000000000001E-3,4.3E-3,4.4000000000000003E-3,2.3999999999999998E-3,2.3E-3]
["2022-08-31",1.6999999999999999E-3,1.8E-3,2.7000000000000001E-3,4.1000000000000003E-3,4.1999999999999997E-3,2.3E-3,2.3E-3]
["2022-09-28",1.5E-3,1.6000000000000001E-3,2.7000000000000001E-3,4.3E-3,4.1000000000000003E-3,2.0999999999999999E-3,2.2000000000000001E-3]
["2022-10-29",1.6000000000000001E-3,1.6000000000000001E-3,2.8999999999999998E-3,4.7000000000000002E-3,4.8999999999999998E-3,2.7000000000000001E-3,2.3999999999999998E-3]
["2022-11-30",1.9E-3,1.9E-3,3.2000000000000002E-3,5.4000000000000003E-3,5.3E-3,2.7000000000000001E-3,2.7000000000000001E-3]
["2022-12-31",1.9E-3,1.9E-3,3.3E-3,5.1000000000000004E-3,5.4999999999999997E-3,3.3E-3,2.8E-3]
["2023-01-28",1.8E-3,1.6000000000000001E-3,2.8E-3,4.4000000000000003E-3,4.7000000000000002E-3,2.7000000000000001E-3,2.3999999999999998E-3]
["2023-02-25",1.6999999999999999E-3,1.6999999999999999E-3,3.2000000000000002E-3,5.1000000000000004E-3,5.5999999999999999E-3,3.2000000000000002E-3,2.5999999999999999E-3]
["2023-03-29",2.0999999999999999E-3,1.9E-3,3.7000000000000002E-3,5.8999999999999999E-3,6.1000000000000004E-3,3.3E-3,2.8999999999999998E-3]
["2023-04-29",2.0999999999999999E-3,1.9E-3,3.3E-3,5.1999999999999998E-3,5.4000000000000003E-3,3.2000000000000002E-3,2.8E-3]
["2023-05-31",1.8E-3,1.6000000000000001E-3,2.8999999999999998E-3,4.5999999999999999E-3,5.0000000000000001E-3,3.0000000000000001E-3,2.5000000000000001E-3]
["2023-06-28",1.5E-3,1.6000000000000001E-3,3.2000000000000002E-3,5.0000000000000001E-3,5.1000000000000004E-3,2.8E-3,2.3999999999999998E-3]
["2023-07-29",2.3E-3,2E-3,3.7000000000000002E-3,6.0000000000000001E-3,6.3E-3,3.5000000000000001E-3,3.0999999999999999E-3]
["2023-08-30",1.6999999999999999E-3,1.6000000000000001E-3,3.3999999999999998E-3,5.5999999999999999E-3,5.7999999999999996E-3,3.2000000000000002E-3,2.7000000000000001E-3]
["2023-09-30",2.5000000000000001E-3,2.3E-3,4.4999999999999997E-3,7.1000000000000004E-3,7.3000000000000001E-3,4.0000000000000001E-3,3.5999999999999999E-3]
["2023-10-28",1.5E-3,1.6999999999999999E-3,3.7000000000000002E-3,6.1999999999999998E-3,6.1000000000000004E-3,3.3E-3,2.8E-3]
["2023-11-29",1.6999999999999999E-3,1.9E-3,4.7000000000000002E-3,7.7999999999999996E-3,7.7000000000000002E-3,3.8999999999999998E-3,3.3E-3]
["2023-12-30",1.9E-3,2E-3,4.5999999999999999E-3,7.4000000000000003E-3,7.1000000000000004E-3,3.7000000000000002E-3,3.3E-3]
["2024-01-31",2E-3,2E-3,4.5999999999999999E-3,7.6E-3,7.4999999999999997E-3,3.7000000000000002E-3,3.3999999999999998E-3]
["2024-02-28",1.6999999999999999E-3,1.9E-3,4.7000000000000002E-3,7.7999999999999996E-3,7.4999999999999997E-3,3.8E-3,3.3E-3]
["2024-03-30",1.8E-3,1.9E-3,4.8999999999999998E-3,7.7999999999999996E-3,7.7999999999999996E-3,3.8999999999999998E-3,3.3999999999999998E-3]
["2024-04-27",2.0999999999999999E-3,1.9E-3,4.1000000000000003E-3,6.6E-3,6.6E-3,3.3E-3,3.0999999999999999E-3]
["2024-05-29",1.6999999999999999E-3,1.9E-3,4.4999999999999997E-3,7.0000000000000001E-3,6.6E-3,3.5000000000000001E-3,3.0999999999999999E-3]
["2024-06-29",1.6999999999999999E-3,1.8E-3,4.3E-3,6.8999999999999999E-3,6.8999999999999999E-3,3.5000000000000001E-3,3.0999999999999999E-3]
["2024-07-31",2E-3,2E-3,4.4000000000000003E-3,6.8999999999999999E-3,6.7000000000000002E-3,3.3999999999999998E-3,3.2000000000000002E-3]
[]
["Figure 96"]
["MONTHLY CREDIT LINE DECREASE INCIDENCE, PRIVATE LABEL (CCIP)"]
["Date","Superprime","Prime plus","Prime","Near-prime","Subprime","Deep subprime","Overall"]
["2014-01-29",4.4999999999999997E-3,4.4999999999999997E-3,5.4000000000000003E-3,8.8000000000000005E-3,1.4500000000000001E-2,9.7999999999999997E-3,6.0000000000000001E-3]
["2014-02-26",4.3E-3,4.1999999999999997E-3,5.1000000000000004E-3,8.8000000000000005E-3,1.3899999999999999E-2,8.9999999999999993E-3,5.7000000000000002E-3]
["2014-03-29",6.1999999999999998E-3,5.5999999999999999E-3,5.1999999999999998E-3,7.9000000000000008E-3,1.4800000000000001E-2,1.14E-2,6.7999999999999996E-3]
["2014-04-30",4.7000000000000002E-3,4.7999999999999996E-3,4.3E-3,5.7999999999999996E-3,1.17E-2,9.1999999999999998E-3,5.4999999999999997E-3]
["2014-05-31",3.8E-3,4.0000000000000001E-3,3.5000000000000001E-3,5.0000000000000001E-3,1.03E-2,7.1999999999999998E-3,4.4999999999999997E-3]
["2014-06-28",3.7000000000000002E-3,3.8999999999999998E-3,4.7000000000000002E-3,7.7999999999999996E-3,1.3299999999999999E-2,1.0699999999999999E-2,5.4000000000000003E-3]
["2014-07-30",4.7999999999999996E-3,4.7999999999999996E-3,4.7999999999999996E-3,7.1000000000000004E-3,1.2800000000000001E-2,1.0200000000000001E-2,5.7999999999999996E-3]
["2014-08-30",3.5999999999999999E-3,3.5999999999999999E-3,4.4999999999999997E-3,7.3000000000000001E-3,1.18E-2,8.2000000000000007E-3,4.8999999999999998E-3]
["2014-09-27",3.5000000000000001E-3,3.3E-3,2.8999999999999998E-3,4.3E-3,8.9999999999999993E-3,8.9999999999999993E-3,4.1000000000000003E-3]
["2014-10-29",5.3E-3,4.7999999999999996E-3,4.1000000000000003E-3,5.5999999999999999E-3,1.2699999999999999E-2,1.2E-2,5.7999999999999996E-3]
["2014-11-29",4.1999999999999997E-3,3.8999999999999998E-3,3.3E-3,4.8999999999999998E-3,1.04E-2,8.8999999999999999E-3,4.7000000000000002E-3]
["2014-12-31",4.4999999999999997E-3,4.1000000000000003E-3,3.2000000000000002E-3,4.7000000000000002E-3,1.04E-2,1.2E-2,5.0000000000000001E-3]
["2015-01-31",5.4999999999999997E-3,5.1000000000000004E-3,5.4000000000000003E-3,8.6E-3,1.3899999999999999E-2,1.14E-2,6.4999999999999997E-3]
["2015-02-28",5.1000000000000004E-3,4.7000000000000002E-3,4.7999999999999996E-3,7.7000000000000002E-3,1.34E-2,1.0699999999999999E-2,6.0000000000000001E-3]
["2015-03-28",4.7999999999999996E-3,4.1999999999999997E-3,3.5999999999999999E-3,5.8999999999999999E-3,1.1900000000000001E-2,1.09E-2,5.3E-3]
["2015-04-29",4.1999999999999997E-3,4.0000000000000001E-3,3.3999999999999998E-3,5.1999999999999998E-3,1.18E-2,1.09E-2,5.0000000000000001E-3]
["2015-05-30",3.8999999999999998E-3,3.8999999999999998E-3,3.3E-3,4.7999999999999996E-3,9.7999999999999997E-3,8.3000000000000001E-3,4.4999999999999997E-3]
["2015-06-27",3.3E-3,3.3999999999999998E-3,3.7000000000000002E-3,6.4999999999999997E-3,1.1599999999999999E-2,1.0500000000000001E-2,4.5999999999999999E-3]
["2015-07-29",6.1999999999999998E-3,5.5999999999999999E-3,4.7000000000000002E-3,6.4999999999999997E-3,1.2200000000000001E-2,1.0500000000000001E-2,6.4000000000000003E-3]
["2015-08-29",4.4999999999999997E-3,4.3E-3,4.4999999999999997E-3,7.3000000000000001E-3,1.2699999999999999E-2,9.4000000000000004E-3,5.4999999999999997E-3]
["2015-09-30",4.3E-3,4.0000000000000001E-3,3.0999999999999999E-3,4.4000000000000003E-3,9.7000000000000003E-3,1.21E-2,4.7999999999999996E-3]
["2015-10-31",4.1000000000000003E-3,3.5999999999999999E-3,2.7000000000000001E-3,3.7000000000000002E-3,9.4000000000000004E-3,1.17E-2,4.4999999999999997E-3]
["2015-11-28",4.3E-3,3.7000000000000002E-3,2.5000000000000001E-3,3.5000000000000001E-3,8.5000000000000006E-3,7.7000000000000002E-3,4.1000000000000003E-3]
["2015-12-30",4.1000000000000003E-3,3.5000000000000001E-3,2.3E-3,3.0999999999999999E-3,7.6E-3,1.0800000000000001E-2,4.1000000000000003E-3]
["2016-01-30",7.7000000000000002E-3,7.1000000000000004E-3,6.1999999999999998E-3,8.3000000000000001E-3,1.4500000000000001E-2,1.49E-2,8.2000000000000007E-3]
["2016-02-27",6.3E-3,5.5999999999999999E-3,5.0000000000000001E-3,7.1999999999999998E-3,1.2500000000000001E-2,1.12E-2,6.6E-3]
["2016-03-30",5.8999999999999999E-3,5.4000000000000003E-3,4.3E-3,5.8999999999999999E-3,1.1299999999999999E-2,1.37E-2,6.3E-3]
["2016-04-30",5.0000000000000001E-3,4.4999999999999997E-3,3.0999999999999999E-3,4.0000000000000001E-3,1.04E-2,1.15E-2,5.1000000000000004E-3]
["2016-05-28",4.1999999999999997E-3,3.8E-3,2.5999999999999999E-3,3.3999999999999998E-3,8.3000000000000001E-3,7.7999999999999996E-3,4.1999999999999997E-3]
["2016-06-29",5.5999999999999999E-3,5.1000000000000004E-3,4.4999999999999997E-3,6.6E-3,1.17E-2,1.34E-2,6.1999999999999998E-3]
["2016-07-30",6.6E-3,5.4000000000000003E-3,3.8E-3,5.0000000000000001E-3,1.0699999999999999E-2,1.2200000000000001E-2,6.1000000000000004E-3]
["2016-08-31",5.7999999999999996E-3,5.1000000000000004E-3,5.1000000000000004E-3,8.5000000000000006E-3,1.3100000000000001E-2,1.04E-2,6.4000000000000003E-3]
["2016-09-28",5.0000000000000001E-3,4.0000000000000001E-3,2.8999999999999998E-3,5.1000000000000004E-3,0.01,1.34E-2,5.1999999999999998E-3]
["2016-10-29",6.7000000000000002E-3,5.4000000000000003E-3,3.3E-3,5.1000000000000004E-3,1.0699999999999999E-2,1.2500000000000001E-2,6.1000000000000004E-3]
["2016-11-30",7.4000000000000003E-3,5.7999999999999996E-3,3.8999999999999998E-3,5.7999999999999996E-3,1.14E-2,1.14E-2,6.4999999999999997E-3]
["2016-12-31",5.5999999999999999E-3,4.4000000000000003E-3,2.7000000000000001E-3,3.8999999999999998E-3,8.6999999999999994E-3,1.24E-2,5.1999999999999998E-3]
["2017-01-28",6.6E-3,5.4000000000000003E-3,4.5999999999999999E-3,7.4999999999999997E-3,1.2E-2,1.2200000000000001E-2,6.7000000000000002E-3]
["2017-02-25",7.6E-3,6.3E-3,5.7999999999999996E-3,9.4000000000000004E-3,1.37E-2,1.2E-2,7.7000000000000002E-3]
["2017-03-29",6.3E-3,5.3E-3,4.5999999999999999E-3,8.3000000000000001E-3,1.5800000000000002E-2,1.9300000000000001E-2,7.3000000000000001E-3]
["2017-04-29",6.0000000000000001E-3,5.1000000000000004E-3,3.8999999999999998E-3,7.1000000000000004E-3,1.4E-2,1.43E-2,6.4999999999999997E-3]
["2017-05-31",6.1999999999999998E-3,5.0000000000000001E-3,3.8999999999999998E-3,6.6E-3,1.24E-2,1.14E-2,6.1000000000000004E-3]
["2017-06-28",5.8999999999999999E-3,5.1000000000000004E-3,4.7999999999999996E-3,8.8000000000000005E-3,1.46E-2,1.5599999999999999E-2,7.0000000000000001E-3]
["2017-07-29",7.6E-3,5.7000000000000002E-3,4.4000000000000003E-3,7.7999999999999996E-3,1.3299999999999999E-2,1.2800000000000001E-2,7.1000000000000004E-3]
["2017-08-30",6.6E-3,5.4000000000000003E-3,5.1999999999999998E-3,1.0200000000000001E-2,1.6199999999999999E-2,1.2800000000000001E-2,7.3000000000000001E-3]
["2017-09-30",5.5999999999999999E-3,4.7999999999999996E-3,4.4000000000000003E-3,8.8000000000000005E-3,1.5100000000000001E-2,1.6199999999999999E-2,6.7999999999999996E-3]
["2017-10-28",5.1999999999999998E-3,4.1999999999999997E-3,3.0000000000000001E-3,5.5999999999999999E-3,1.0699999999999999E-2,1.11E-2,5.1999999999999998E-3]
["2017-11-29",6.0000000000000001E-3,5.1000000000000004E-3,4.1000000000000003E-3,7.7000000000000002E-3,1.32E-2,1.09E-2,6.3E-3]
["2017-12-30",5.7000000000000002E-3,4.5999999999999999E-3,3.0999999999999999E-3,5.7000000000000002E-3,1.1599999999999999E-2,1.38E-2,5.7999999999999996E-3]
["2018-01-31",6.4999999999999997E-3,5.7999999999999996E-3,6.3E-3,1.2E-2,2.1299999999999999E-2,2.12E-2,8.8000000000000005E-3]
["2018-02-28",6.6E-3,5.3E-3,5.3E-3,1.12E-2,1.9199999999999998E-2,1.5699999999999999E-2,7.7999999999999996E-3]
["2018-03-31",5.4999999999999997E-3,4.7000000000000002E-3,4.0000000000000001E-3,8.6999999999999994E-3,1.78E-2,1.8200000000000001E-2,6.8999999999999999E-3]
["2018-04-28",5.0000000000000001E-3,4.1999999999999997E-3,3.5000000000000001E-3,7.1999999999999998E-3,1.47E-2,1.4500000000000001E-2,5.8999999999999999E-3]
["2018-05-30",6.4000000000000003E-3,5.4000000000000003E-3,4.1999999999999997E-3,7.9000000000000008E-3,1.4999999999999999E-2,1.29E-2,6.7999999999999996E-3]
["2018-06-30",6.4999999999999997E-3,5.5999999999999999E-3,4.8999999999999998E-3,9.4000000000000004E-3,1.8599999999999998E-2,2.41E-2,8.2000000000000007E-3]
["2018-07-28",6.4000000000000003E-3,5.0000000000000001E-3,4.3E-3,7.7999999999999996E-3,1.44E-2,1.3899999999999999E-2,6.7000000000000002E-3]
["2018-08-29",7.0000000000000001E-3,5.5999999999999999E-3,5.1999999999999998E-3,1.0500000000000001E-2,1.9400000000000001E-2,1.6400000000000001E-2,8.0000000000000002E-3]
["2018-09-29",6.6E-3,5.3E-3,3.8999999999999998E-3,7.7999999999999996E-3,1.6899999999999998E-2,1.84E-2,7.3000000000000001E-3]
["2018-10-31",6.4999999999999997E-3,5.3E-3,4.0000000000000001E-3,7.4999999999999997E-3,1.6899999999999998E-2,1.7399999999999999E-2,7.1999999999999998E-3]
["2018-11-28",5.4999999999999997E-3,4.7000000000000002E-3,4.4000000000000003E-3,8.3000000000000001E-3,1.47E-2,1.15E-2,6.3E-3]
["2018-12-29",5.1999999999999998E-3,4.1000000000000003E-3,2.8999999999999998E-3,5.4000000000000003E-3,1.0999999999999999E-2,1.34E-2,5.4999999999999997E-3]
["2019-01-30",5.5999999999999999E-3,5.0000000000000001E-3,5.3E-3,1.1299999999999999E-2,2.0400000000000001E-2,1.9800000000000002E-2,8.0000000000000002E-3]
["2019-02-27",7.1000000000000004E-3,5.5999999999999999E-3,5.0000000000000001E-3,9.5999999999999992E-3,1.67E-2,1.4500000000000001E-2,7.6E-3]
["2019-03-30",6.4000000000000003E-3,5.5999999999999999E-3,5.0000000000000001E-3,1.04E-2,2.0199999999999999E-2,1.9699999999999999E-2,8.0999999999999996E-3]
["2019-04-27",5.1000000000000004E-3,4.4000000000000003E-3,3.5999999999999999E-3,6.4999999999999997E-3,1.49E-2,1.72E-2,6.1999999999999998E-3]
["2019-05-29",6.0000000000000001E-3,5.0000000000000001E-3,4.1000000000000003E-3,7.7999999999999996E-3,1.5699999999999999E-2,1.5599999999999999E-2,6.7999999999999996E-3]
["2019-06-29",6.1000000000000004E-3,5.0000000000000001E-3,4.0000000000000001E-3,7.7999999999999996E-3,1.5100000000000001E-2,1.66E-2,6.8999999999999999E-3]
["2019-07-31",6.8999999999999999E-3,5.4000000000000003E-3,4.4000000000000003E-3,8.2000000000000007E-3,1.5599999999999999E-2,1.6500000000000001E-2,7.3000000000000001E-3]
["2019-08-31",8.0999999999999996E-3,6.7999999999999996E-3,6.0000000000000001E-3,1.0699999999999999E-2,1.6199999999999999E-2,1.1299999999999999E-2,8.3000000000000001E-3]
["2019-09-28",5.5999999999999999E-3,4.7000000000000002E-3,3.3999999999999998E-3,6.1999999999999998E-3,1.2999999999999999E-2,1.66E-2,6.3E-3]
["2019-10-30",6.7000000000000002E-3,5.4999999999999997E-3,4.5999999999999999E-3,8.6E-3,1.72E-2,1.7999999999999999E-2,7.6E-3]
["2019-11-30",6.6E-3,5.4000000000000003E-3,4.3E-3,8.0999999999999996E-3,1.29E-2,1.0999999999999999E-2,6.7000000000000002E-3]
["2019-12-28",5.7000000000000002E-3,4.4999999999999997E-3,2.8999999999999998E-3,5.0000000000000001E-3,1.0200000000000001E-2,1.34E-2,5.5999999999999999E-3]
["2020-01-29",7.1000000000000004E-3,5.8999999999999999E-3,5.0000000000000001E-3,9.1000000000000004E-3,1.6400000000000001E-2,1.9199999999999998E-2,8.0999999999999996E-3]
["2020-02-29",8.6999999999999994E-3,7.1999999999999998E-3,6.4000000000000003E-3,1.1900000000000001E-2,0.02,2.0799999999999999E-2,9.7999999999999997E-3]
["2020-03-28",5.4000000000000003E-3,4.7000000000000002E-3,3.8E-3,7.4999999999999997E-3,1.4800000000000001E-2,1.6199999999999999E-2,6.4999999999999997E-3]
["2020-04-29",1.2699999999999999E-2,1.0200000000000001E-2,6.4999999999999997E-3,8.8000000000000005E-3,1.61E-2,1.8499999999999999E-2,1.0999999999999999E-2]
["2020-05-30",8.9999999999999993E-3,7.3000000000000001E-3,4.8999999999999998E-3,8.3999999999999995E-3,1.6E-2,1.55E-2,8.5000000000000006E-3]
["2020-06-27",6.6E-3,5.1999999999999998E-3,4.1999999999999997E-3,8.9999999999999993E-3,1.7999999999999999E-2,1.77E-2,7.4000000000000003E-3]
["2020-07-29",3.5099999999999999E-2,2.6800000000000001E-2,1.5699999999999999E-2,1.89E-2,2.47E-2,1.89E-2,2.52E-2]
["2020-08-29",9.7000000000000003E-3,7.1999999999999998E-3,5.7999999999999996E-3,1.1299999999999999E-2,1.7600000000000001E-2,1.49E-2,9.1000000000000004E-3]
["2020-09-30",9.1999999999999998E-3,7.1000000000000004E-3,5.3E-3,9.1000000000000004E-3,1.4800000000000001E-2,1.6E-2,8.5000000000000006E-3]
["2020-10-31",8.2000000000000007E-3,6.1000000000000004E-3,4.4999999999999997E-3,7.4999999999999997E-3,1.11E-2,1.11E-2,7.1000000000000004E-3]
["2020-11-28",7.3000000000000001E-3,5.4000000000000003E-3,4.1999999999999997E-3,7.0000000000000001E-3,1.11E-2,1.1599999999999999E-2,6.4999999999999997E-3]
["2020-12-30",8.6E-3,6.3E-3,4.7999999999999996E-3,8.0999999999999996E-3,1.26E-2,1.4E-2,7.6E-3]
["2021-01-30",1.11E-2,9.4000000000000004E-3,0.01,1.84E-2,2.41E-2,1.8599999999999998E-2,1.23E-2]
["2021-02-27",1.1900000000000001E-2,8.9999999999999993E-3,6.6E-3,1.03E-2,1.54E-2,1.41E-2,1.01E-2]
["2021-03-31",9.5999999999999992E-3,7.4999999999999997E-3,5.5999999999999999E-3,8.8000000000000005E-3,1.41E-2,1.44E-2,8.5000000000000006E-3]
["2021-04-28",7.7000000000000002E-3,5.8999999999999999E-3,4.1000000000000003E-3,6.3E-3,9.9000000000000008E-3,1.0800000000000001E-2,6.4999999999999997E-3]
["2021-05-29",8.6999999999999994E-3,6.6E-3,4.4999999999999997E-3,7.4000000000000003E-3,1.06E-2,1.0800000000000001E-2,7.1999999999999998E-3]
["2021-06-30",1.0500000000000001E-2,8.0000000000000002E-3,5.7000000000000002E-3,9.4999999999999998E-3,1.35E-2,1.3100000000000001E-2,8.8999999999999999E-3]
["2021-07-31",1.0699999999999999E-2,8.0000000000000002E-3,6.3E-3,9.7000000000000003E-3,1.26E-2,1.1299999999999999E-2,8.9999999999999993E-3]
["2021-08-28",8.3999999999999995E-3,6.4000000000000003E-3,5.4000000000000003E-3,1.0200000000000001E-2,1.4500000000000001E-2,1.46E-2,8.0000000000000002E-3]
["2021-09-29",9.4000000000000004E-3,7.1999999999999998E-3,5.4000000000000003E-3,9.1999999999999998E-3,1.49E-2,1.6899999999999998E-2,8.6E-3]
["2021-10-30",7.9000000000000008E-3,6.1000000000000004E-3,4.7999999999999996E-3,8.0999999999999996E-3,1.34E-2,1.46E-2,7.4000000000000003E-3]
["2021-11-27",6.4999999999999997E-3,5.1999999999999998E-3,5.0000000000000001E-3,9.7999999999999997E-3,1.52E-2,1.55E-2,7.1000000000000004E-3]
["2021-12-29",7.1000000000000004E-3,5.4000000000000003E-3,4.3E-3,8.2000000000000007E-3,1.44E-2,1.67E-2,7.1000000000000004E-3]
["2022-01-29",9.1000000000000004E-3,7.1999999999999998E-3,7.3000000000000001E-3,1.44E-2,2.1299999999999999E-2,2.1499999999999998E-2,1.01E-2]
["2022-02-26",8.8999999999999999E-3,6.6E-3,5.5999999999999999E-3,1.0500000000000001E-2,1.8100000000000002E-2,1.83E-2,8.8000000000000005E-3]
["2022-03-30",8.0000000000000002E-3,6.3E-3,5.7999999999999996E-3,1.17E-2,2.0199999999999999E-2,2.12E-2,8.8999999999999999E-3]
["2022-04-30",7.1000000000000004E-3,5.8999999999999999E-3,5.3E-3,1.04E-2,1.67E-2,1.6799999999999999E-2,7.7999999999999996E-3]
["2022-05-28",4.8999999999999998E-3,4.4000000000000003E-3,3.8E-3,7.3000000000000001E-3,1.34E-2,1.4200000000000001E-2,5.8999999999999999E-3]
["2022-06-29",6.1000000000000004E-3,5.1999999999999998E-3,4.7000000000000002E-3,9.1999999999999998E-3,1.61E-2,1.8200000000000001E-2,7.1999999999999998E-3]
["2022-07-30",6.1999999999999998E-3,5.0000000000000001E-3,4.4999999999999997E-3,8.0000000000000002E-3,1.17E-2,1.03E-2,6.1999999999999998E-3]
["2022-08-31",6.4999999999999997E-3,5.1999999999999998E-3,4.4000000000000003E-3,8.0000000000000002E-3,1.1299999999999999E-2,1.1299999999999999E-2,6.4000000000000003E-3]
["2022-09-28",5.1000000000000004E-3,4.3E-3,3.8999999999999998E-3,7.7000000000000002E-3,1.14E-2,1.2999999999999999E-2,5.7999999999999996E-3]
["2022-10-29",5.5999999999999999E-3,4.5999999999999999E-3,4.1999999999999997E-3,8.0999999999999996E-3,1.24E-2,1.2699999999999999E-2,6.1999999999999998E-3]
["2022-11-30",6.1999999999999998E-3,5.0000000000000001E-3,4.5999999999999999E-3,8.8000000000000005E-3,1.37E-2,1.43E-2,6.7999999999999996E-3]
["2022-12-31",6.1000000000000004E-3,5.1000000000000004E-3,5.0000000000000001E-3,1.14E-2,2.4899999999999999E-2,3.9399999999999998E-2,9.7999999999999997E-3]
["2023-01-28",5.8999999999999999E-3,4.7999999999999996E-3,5.0000000000000001E-3,1.04E-2,1.89E-2,2.23E-2,7.9000000000000008E-3]
["2023-02-25",6.6E-3,5.4000000000000003E-3,5.1000000000000004E-3,1.0999999999999999E-2,1.8800000000000001E-2,0.02,8.2000000000000007E-3]
["2023-03-29",5.4000000000000003E-3,4.5999999999999999E-3,4.8999999999999998E-3,1.0800000000000001E-2,1.8100000000000002E-2,1.7600000000000001E-2,7.3000000000000001E-3]
["2023-04-29",6.1000000000000004E-3,5.4000000000000003E-3,5.1000000000000004E-3,1.12E-2,1.9900000000000001E-2,2.07E-2,8.0999999999999996E-3]
["2023-05-31",5.3E-3,4.5999999999999999E-3,4.4000000000000003E-3,9.7999999999999997E-3,1.67E-2,1.7100000000000001E-2,6.8999999999999999E-3]
["2023-06-28",5.7000000000000002E-3,4.5999999999999999E-3,4.4000000000000003E-3,0.01,1.7000000000000001E-2,1.66E-2,7.0000000000000001E-3]
["2023-07-29",6.7999999999999996E-3,5.1999999999999998E-3,4.8999999999999998E-3,1.21E-2,1.9699999999999999E-2,1.84E-2,8.0999999999999996E-3]
["2023-08-30",5.7999999999999996E-3,4.5999999999999999E-3,4.5999999999999999E-3,1.09E-2,1.7999999999999999E-2,1.8100000000000002E-2,7.4000000000000003E-3]
["2023-09-30",7.9000000000000008E-3,6.3E-3,6.3E-3,1.4E-2,2.12E-2,1.8200000000000001E-2,9.2999999999999992E-3]
["2023-10-28",5.1000000000000004E-3,4.1000000000000003E-3,5.0000000000000001E-3,1.2699999999999999E-2,1.9099999999999999E-2,1.7600000000000001E-2,7.4000000000000003E-3]
["2023-11-29",6.1000000000000004E-3,4.8999999999999998E-3,5.7999999999999996E-3,1.3299999999999999E-2,2.01E-2,1.7600000000000001E-2,8.0999999999999996E-3]
["2023-12-30",6.0000000000000001E-3,4.7000000000000002E-3,5.5999999999999999E-3,1.3299999999999999E-2,1.9699999999999999E-2,1.84E-2,8.0999999999999996E-3]
["2024-01-31",7.3000000000000001E-3,6.0000000000000001E-3,6.7000000000000002E-3,1.47E-2,2.1399999999999999E-2,1.83E-2,9.2999999999999992E-3]
["2024-02-28",6.1999999999999998E-3,4.8999999999999998E-3,6.0000000000000001E-3,1.4200000000000001E-2,2.1499999999999998E-2,1.72E-2,8.3999999999999995E-3]
["2024-03-30",5.4000000000000003E-3,4.7999999999999996E-3,5.8999999999999999E-3,1.43E-2,2.1399999999999999E-2,1.6899999999999998E-2,8.0999999999999996E-3]
["2024-04-27",5.1000000000000004E-3,4.3E-3,5.4000000000000003E-3,1.2800000000000001E-2,1.7999999999999999E-2,1.4999999999999999E-2,7.3000000000000001E-3]
["2024-05-29",6.0000000000000001E-3,4.8999999999999998E-3,6.1000000000000004E-3,1.3599999999999999E-2,1.8499999999999999E-2,1.49E-2,7.9000000000000008E-3]
["2024-06-29",6.6E-3,5.3E-3,5.7999999999999996E-3,1.2500000000000001E-2,1.7399999999999999E-2,1.4200000000000001E-2,7.9000000000000008E-3]
["2024-07-31",6.7000000000000002E-3,5.3E-3,5.4999999999999997E-3,1.17E-2,1.6E-2,1.4E-2,7.7000000000000002E-3]
[]
["Figure 97"]
["MONTHLY ACCOUNT CLOSURE INCIDENCE, GENERAL PURPOSE (CCIP)"]
["Date","Superprime","Prime plus","Prime","Near-prime","Subprime","Deep subprime","Overall"]
["2015-01-31",7.7000000000000002E-3,7.1999999999999998E-3,5.7999999999999996E-3,6.1000000000000004E-3,1.0800000000000001E-2,3.1199999999999999E-2,8.8999999999999999E-3]
["2015-02-28",6.7000000000000002E-3,6.8999999999999999E-3,6.4999999999999997E-3,7.7000000000000002E-3,1.1900000000000001E-2,2.9000000000000001E-2,8.6E-3]
["2015-03-28",6.7000000000000002E-3,7.1999999999999998E-3,6.3E-3,6.7999999999999996E-3,1.23E-2,3.1099999999999999E-2,8.8000000000000005E-3]
["2015-04-29",8.3999999999999995E-3,8.5000000000000006E-3,7.4999999999999997E-3,8.2000000000000007E-3,1.37E-2,3.3099999999999997E-2,1.0200000000000001E-2]
["2015-05-30",6.7000000000000002E-3,7.0000000000000001E-3,6.7000000000000002E-3,7.6E-3,1.18E-2,2.5600000000000001E-2,8.3999999999999995E-3]
["2015-06-27",8.3000000000000001E-3,8.9999999999999993E-3,6.6E-3,6.3E-3,1.0800000000000001E-2,2.8799999999999999E-2,9.5999999999999992E-3]
["2015-07-29",9.2999999999999992E-3,8.8999999999999999E-3,7.1000000000000004E-3,7.7000000000000002E-3,1.1900000000000001E-2,2.86E-2,1.01E-2]
["2015-08-29",7.7000000000000002E-3,8.0000000000000002E-3,7.4999999999999997E-3,8.8000000000000005E-3,1.35E-2,2.76E-2,9.4999999999999998E-3]
["2015-09-30",6.1000000000000004E-3,7.0000000000000001E-3,5.8999999999999999E-3,6.3E-3,1.04E-2,3.0700000000000002E-2,8.3000000000000001E-3]
["2015-10-31",7.7999999999999996E-3,7.4000000000000003E-3,6.0000000000000001E-3,6.4999999999999997E-3,1.12E-2,2.87E-2,8.8000000000000005E-3]
["2015-11-28",7.7999999999999996E-3,7.1999999999999998E-3,6.1999999999999998E-3,6.8999999999999999E-3,1.1599999999999999E-2,2.8199999999999999E-2,8.8000000000000005E-3]
["2015-12-30",7.4000000000000003E-3,7.9000000000000008E-3,6.4999999999999997E-3,6.4999999999999997E-3,9.9000000000000008E-3,3.0099999999999998E-2,9.1000000000000004E-3]
["2016-01-30",1.01E-2,9.2999999999999992E-3,6.7999999999999996E-3,6.7999999999999996E-3,1.0800000000000001E-2,3.2500000000000001E-2,1.0500000000000001E-2]
["2016-02-27",7.1000000000000004E-3,7.0000000000000001E-3,6.1999999999999998E-3,7.0000000000000001E-3,1.11E-2,2.8400000000000002E-2,8.5000000000000006E-3]
["2016-03-30",6.7000000000000002E-3,7.7000000000000002E-3,6.7000000000000002E-3,7.3000000000000001E-3,1.1900000000000001E-2,3.4700000000000002E-2,9.1999999999999998E-3]
["2016-04-30",8.6999999999999994E-3,8.5000000000000006E-3,7.1000000000000004E-3,7.7000000000000002E-3,1.15E-2,3.3599999999999998E-2,0.01]
["2016-05-28",6.7000000000000002E-3,6.7999999999999996E-3,6.1999999999999998E-3,7.1000000000000004E-3,1.09E-2,2.8400000000000002E-2,8.3000000000000001E-3]
["2016-06-29",1.17E-2,1.09E-2,7.9000000000000008E-3,7.0000000000000001E-3,1.1299999999999999E-2,3.1099999999999999E-2,1.1599999999999999E-2]
["2016-07-30",1.24E-2,9.1000000000000004E-3,6.3E-3,6.4999999999999997E-3,1.01E-2,3.1E-2,1.0800000000000001E-2]
["2016-08-31",8.0000000000000002E-3,7.7000000000000002E-3,6.6E-3,7.7000000000000002E-3,1.2699999999999999E-2,3.1600000000000003E-2,9.4000000000000004E-3]
["2016-09-28",8.0999999999999996E-3,8.3999999999999995E-3,7.3000000000000001E-3,7.3000000000000001E-3,1.1900000000000001E-2,3.5000000000000003E-2,1.01E-2]
["2016-10-29",8.6E-3,8.0000000000000002E-3,6.4000000000000003E-3,6.8999999999999999E-3,1.15E-2,3.61E-2,9.9000000000000008E-3]
["2016-11-30",8.0999999999999996E-3,8.0000000000000002E-3,6.7999999999999996E-3,7.9000000000000008E-3,1.3599999999999999E-2,3.4599999999999999E-2,9.9000000000000008E-3]
["2016-12-31",6.6E-3,7.0000000000000001E-3,5.7999999999999996E-3,6.3E-3,1.0200000000000001E-2,3.8399999999999997E-2,8.9999999999999993E-3]
["2017-01-28",9.2999999999999992E-3,8.3000000000000001E-3,5.7000000000000002E-3,5.8999999999999999E-3,0.01,3.5499999999999997E-2,9.9000000000000008E-3]
["2017-02-25",1.17E-2,9.2999999999999992E-3,6.7999999999999996E-3,7.0000000000000001E-3,1.0999999999999999E-2,3.1399999999999997E-2,1.09E-2]
["2017-03-29",7.7999999999999996E-3,8.5000000000000006E-3,7.0000000000000001E-3,7.4000000000000003E-3,1.24E-2,4.1700000000000001E-2,1.0500000000000001E-2]
["2017-04-29",7.9000000000000008E-3,7.7999999999999996E-3,6.7999999999999996E-3,7.6E-3,1.29E-2,3.9E-2,1.01E-2]
["2017-05-31",7.7000000000000002E-3,7.7999999999999996E-3,7.1000000000000004E-3,8.3000000000000001E-3,1.2999999999999999E-2,3.3300000000000003E-2,9.7000000000000003E-3]
["2017-06-28",9.4000000000000004E-3,8.8000000000000005E-3,6.4999999999999997E-3,6.4000000000000003E-3,1.06E-2,3.4000000000000002E-2,1.03E-2]
["2017-07-29",1.2E-2,9.4999999999999998E-3,6.7999999999999996E-3,7.4000000000000003E-3,1.29E-2,3.9899999999999998E-2,1.18E-2]
["2017-08-30",8.3999999999999995E-3,7.7000000000000002E-3,6.7999999999999996E-3,8.3999999999999995E-3,1.3899999999999999E-2,3.5099999999999999E-2,0.01]
["2017-09-30",8.3000000000000001E-3,8.0000000000000002E-3,6.1999999999999998E-3,6.6E-3,1.15E-2,3.9300000000000002E-2,1.0200000000000001E-2]
["2017-10-28",9.1999999999999998E-3,7.9000000000000008E-3,5.7000000000000002E-3,6.0000000000000001E-3,1.0699999999999999E-2,3.4299999999999997E-2,9.7999999999999997E-3]
["2017-11-29",1.03E-2,9.1999999999999998E-3,7.1999999999999998E-3,8.3000000000000001E-3,1.3599999999999999E-2,3.4799999999999998E-2,1.11E-2]
["2017-12-30",7.3000000000000001E-3,7.4999999999999997E-3,6.0000000000000001E-3,6.4000000000000003E-3,1.14E-2,3.9699999999999999E-2,9.7999999999999997E-3]
["2018-01-31",7.7000000000000002E-3,7.1999999999999998E-3,5.7999999999999996E-3,6.8999999999999999E-3,1.2500000000000001E-2,4.0399999999999998E-2,9.9000000000000008E-3]
["2018-02-28",1.6500000000000001E-2,1.4500000000000001E-2,1.01E-2,1.0200000000000001E-2,1.4500000000000001E-2,3.6900000000000002E-2,1.55E-2]
["2018-03-31",1.46E-2,1.4800000000000001E-2,1.15E-2,1.03E-2,1.6299999999999999E-2,4.5900000000000003E-2,1.6199999999999999E-2]
["2018-04-28",7.7000000000000002E-3,7.4999999999999997E-3,6.0000000000000001E-3,6.8999999999999999E-3,1.1900000000000001E-2,3.8300000000000001E-2,9.7000000000000003E-3]
["2018-05-30",9.2999999999999992E-3,9.7999999999999997E-3,8.8999999999999999E-3,9.4999999999999998E-3,1.37E-2,3.7100000000000001E-2,1.17E-2]
["2018-06-30",1.3299999999999999E-2,1.11E-2,7.7999999999999996E-3,7.3000000000000001E-3,1.1900000000000001E-2,3.8600000000000002E-2,1.29E-2]
["2018-07-28",7.7000000000000002E-3,7.1000000000000004E-3,5.5999999999999999E-3,6.3E-3,1.0999999999999999E-2,3.7499999999999999E-2,9.4000000000000004E-3]
["2018-08-29",8.6999999999999994E-3,8.3000000000000001E-3,7.0000000000000001E-3,8.5000000000000006E-3,1.3299999999999999E-2,3.5900000000000001E-2,1.0500000000000001E-2]
["2018-09-29",6.8999999999999999E-3,7.4999999999999997E-3,6.3E-3,6.6E-3,1.12E-2,3.7999999999999999E-2,9.7000000000000003E-3]
["2018-10-31",8.3999999999999995E-3,7.7000000000000002E-3,6.1000000000000004E-3,7.1999999999999998E-3,1.24E-2,3.7400000000000003E-2,1.01E-2]
["2018-11-28",8.3999999999999995E-3,8.0000000000000002E-3,6.7999999999999996E-3,7.9000000000000008E-3,1.2200000000000001E-2,3.15E-2,9.9000000000000008E-3]
["2018-12-29",7.0000000000000001E-3,7.7000000000000002E-3,6.4000000000000003E-3,6.3E-3,1.17E-2,4.1300000000000003E-2,1.0200000000000001E-2]
["2019-01-30",7.3000000000000001E-3,7.0000000000000001E-3,5.8999999999999999E-3,6.4000000000000003E-3,1.0999999999999999E-2,3.7100000000000001E-2,9.4999999999999998E-3]
["2019-02-27",6.4999999999999997E-3,6.4999999999999997E-3,6.1000000000000004E-3,7.3000000000000001E-3,1.1299999999999999E-2,3.32E-2,8.8999999999999999E-3]
["2019-03-30",1.0200000000000001E-2,1.0699999999999999E-2,9.1999999999999998E-3,8.3999999999999995E-3,1.24E-2,3.78E-2,1.24E-2]
["2019-04-27",7.7999999999999996E-3,7.1999999999999998E-3,5.7999999999999996E-3,6.6E-3,1.1900000000000001E-2,3.6900000000000002E-2,9.7000000000000003E-3]
["2019-05-29",9.7000000000000003E-3,8.9999999999999993E-3,7.4999999999999997E-3,8.5000000000000006E-3,1.3100000000000001E-2,3.0800000000000001E-2,1.0800000000000001E-2]
["2019-06-29",8.3000000000000001E-3,9.1000000000000004E-3,7.4000000000000003E-3,7.1999999999999998E-3,1.1900000000000001E-2,3.7400000000000003E-2,1.09E-2]
["2019-07-31",1.0800000000000001E-2,0.01,7.4000000000000003E-3,7.9000000000000008E-3,1.29E-2,3.8100000000000002E-2,1.2E-2]
["2019-08-31",1.0500000000000001E-2,9.4999999999999998E-3,7.1999999999999998E-3,7.7999999999999996E-3,1.32E-2,3.8600000000000002E-2,1.17E-2]
["2019-09-28",8.0000000000000002E-3,8.3000000000000001E-3,6.7000000000000002E-3,6.6E-3,9.4000000000000004E-3,3.0499999999999999E-2,9.7999999999999997E-3]
["2019-10-30",1.5100000000000001E-2,1.4500000000000001E-2,1.18E-2,1.04E-2,1.3599999999999999E-2,3.8800000000000001E-2,1.5800000000000002E-2]
["2019-11-30",1.7100000000000001E-2,1.61E-2,1.26E-2,1.21E-2,1.5900000000000001E-2,3.85E-2,1.72E-2]
["2019-12-28",6.7999999999999996E-3,7.4000000000000003E-3,6.0000000000000001E-3,5.8999999999999999E-3,8.8999999999999999E-3,3.2099999999999997E-2,9.1000000000000004E-3]
["2020-01-29",8.0000000000000002E-3,8.3999999999999995E-3,6.4999999999999997E-3,6.4000000000000003E-3,9.7999999999999997E-3,3.6900000000000002E-2,1.04E-2]
["2020-02-29",8.3000000000000001E-3,8.5000000000000006E-3,6.8999999999999999E-3,7.3000000000000001E-3,1.2E-2,4.2299999999999997E-2,1.12E-2]
["2020-03-28",6.6E-3,6.8999999999999999E-3,5.7000000000000002E-3,6.4999999999999997E-3,1.12E-2,3.8199999999999998E-2,9.4999999999999998E-3]
["2020-04-29",8.3000000000000001E-3,9.2999999999999992E-3,7.7000000000000002E-3,7.4000000000000003E-3,1.1299999999999999E-2,3.5999999999999997E-2,1.09E-2]
["2020-05-30",1.21E-2,1.2800000000000001E-2,1.1299999999999999E-2,1.04E-2,1.5800000000000002E-2,3.95E-2,1.44E-2]
["2020-06-27",6.7999999999999996E-3,7.3000000000000001E-3,7.0000000000000001E-3,8.2000000000000007E-3,1.3599999999999999E-2,3.5200000000000002E-2,9.7000000000000003E-3]
["2020-07-29",8.3000000000000001E-3,8.6999999999999994E-3,8.3000000000000001E-3,8.8000000000000005E-3,1.15E-2,2.5600000000000001E-2,9.9000000000000008E-3]
["2020-08-29",8.2000000000000007E-3,8.6999999999999994E-3,8.8000000000000005E-3,9.5999999999999992E-3,1.5299999999999999E-2,3.9399999999999998E-2,1.12E-2]
["2020-09-30",7.0000000000000001E-3,7.4000000000000003E-3,7.0000000000000001E-3,7.7000000000000002E-3,1.18E-2,3.0499999999999999E-2,9.1999999999999998E-3]
["2020-10-31",8.8000000000000005E-3,8.8999999999999999E-3,8.6E-3,8.6999999999999994E-3,1.2200000000000001E-2,3.2000000000000001E-2,1.0699999999999999E-2]
["2020-11-28",7.1000000000000004E-3,7.3000000000000001E-3,6.7000000000000002E-3,7.3000000000000001E-3,1.09E-2,2.8000000000000001E-2,8.8000000000000005E-3]
["2020-12-30",7.4999999999999997E-3,8.0000000000000002E-3,7.1999999999999998E-3,7.7000000000000002E-3,1.17E-2,3.1E-2,9.5999999999999992E-3]
["2021-01-30",6.1999999999999998E-3,6.8999999999999999E-3,6.4000000000000003E-3,6.7999999999999996E-3,1.0200000000000001E-2,2.7900000000000001E-2,8.3000000000000001E-3]
["2021-02-27",9.4000000000000004E-3,9.1999999999999998E-3,7.4999999999999997E-3,7.3000000000000001E-3,1.04E-2,2.4799999999999999E-2,0.01]
["2021-03-31",6.7000000000000002E-3,7.3000000000000001E-3,6.7000000000000002E-3,7.9000000000000008E-3,1.2800000000000001E-2,3.4500000000000003E-2,9.1999999999999998E-3]
["2021-04-28",6.4999999999999997E-3,6.8999999999999999E-3,6.0000000000000001E-3,7.0000000000000001E-3,1.0999999999999999E-2,2.5499999999999998E-2,8.0999999999999996E-3]
["2021-05-29",6.6E-3,7.1000000000000004E-3,6.3E-3,7.4999999999999997E-3,1.34E-2,3.5000000000000003E-2,8.9999999999999993E-3]
["2021-06-30",5.4999999999999997E-3,6.1000000000000004E-3,5.7000000000000002E-3,6.4999999999999997E-3,0.01,2.5499999999999998E-2,7.4000000000000003E-3]
["2021-07-31",7.4999999999999997E-3,7.4000000000000003E-3,5.8999999999999999E-3,6.4000000000000003E-3,8.9999999999999993E-3,2.2599999999999999E-2,8.2000000000000007E-3]
["2021-08-28",8.3999999999999995E-3,8.0999999999999996E-3,5.7999999999999996E-3,6.1000000000000004E-3,1.04E-2,2.8400000000000002E-2,9.1000000000000004E-3]
["2021-09-29",5.4000000000000003E-3,6.1000000000000004E-3,5.7999999999999996E-3,6.7000000000000002E-3,0.01,2.8199999999999999E-2,7.6E-3]
["2021-10-30",5.7000000000000002E-3,6.4999999999999997E-3,6.3E-3,7.0000000000000001E-3,1.0200000000000001E-2,2.8299999999999999E-2,8.0000000000000002E-3]
["2021-11-27",5.4999999999999997E-3,5.7000000000000002E-3,5.0000000000000001E-3,6.1000000000000004E-3,9.7999999999999997E-3,2.8899999999999999E-2,7.4000000000000003E-3]
["2021-12-29",6.1000000000000004E-3,6.6E-3,6.0000000000000001E-3,6.3E-3,9.4999999999999998E-3,3.0800000000000001E-2,8.2000000000000007E-3]
["2022-01-29",4.8999999999999998E-3,5.5999999999999999E-3,5.3E-3,5.8999999999999999E-3,9.4000000000000004E-3,3.1600000000000003E-2,7.4000000000000003E-3]
["2022-02-26",7.0000000000000001E-3,7.6E-3,6.4000000000000003E-3,6.8999999999999999E-3,9.9000000000000008E-3,3.2599999999999997E-2,9.1000000000000004E-3]
["2022-03-30",6.0000000000000001E-3,6.6E-3,5.8999999999999999E-3,7.0000000000000001E-3,1.0699999999999999E-2,3.7600000000000001E-2,8.8000000000000005E-3]
["2022-04-30",5.8999999999999999E-3,6.7000000000000002E-3,6.1999999999999998E-3,7.1000000000000004E-3,1.01E-2,3.1600000000000003E-2,8.3999999999999995E-3]
["2022-05-28",5.5999999999999999E-3,6.1000000000000004E-3,5.4000000000000003E-3,5.5999999999999999E-3,8.0999999999999996E-3,2.2200000000000001E-2,7.1000000000000004E-3]
["2022-06-29",5.3E-3,6.1999999999999998E-3,5.7000000000000002E-3,6.1000000000000004E-3,8.8999999999999999E-3,2.4199999999999999E-2,7.4000000000000003E-3]
["2022-07-30",4.8999999999999998E-3,5.4999999999999997E-3,5.1999999999999998E-3,6.1000000000000004E-3,8.3999999999999995E-3,2.7199999999999998E-2,7.1999999999999998E-3]
["2022-08-31",5.7999999999999996E-3,6.4999999999999997E-3,6.0000000000000001E-3,6.8999999999999999E-3,9.4000000000000004E-3,2.8299999999999999E-2,8.0999999999999996E-3]
["2022-09-28",5.4999999999999997E-3,5.8999999999999999E-3,5.1999999999999998E-3,5.7000000000000002E-3,8.3999999999999995E-3,2.76E-2,7.6E-3]
["2022-10-29",5.8999999999999999E-3,6.3E-3,5.4999999999999997E-3,6.3E-3,9.7999999999999997E-3,3.1E-2,8.3000000000000001E-3]
["2022-11-30",5.1999999999999998E-3,5.7999999999999996E-3,5.3E-3,6.3E-3,9.4000000000000004E-3,3.1E-2,7.9000000000000008E-3]
["2022-12-31",7.0000000000000001E-3,7.9000000000000008E-3,6.4999999999999997E-3,6.4999999999999997E-3,0.01,3.0700000000000002E-2,9.4000000000000004E-3]
["2023-01-28",5.4999999999999997E-3,6.3E-3,5.1999999999999998E-3,5.5999999999999999E-3,8.3999999999999995E-3,2.7099999999999999E-2,7.7999999999999996E-3]
["2023-02-25",6.7000000000000002E-3,7.1999999999999998E-3,5.8999999999999999E-3,5.7999999999999996E-3,8.5000000000000006E-3,2.5499999999999998E-2,8.3999999999999995E-3]
["2023-03-29",5.4999999999999997E-3,6.4000000000000003E-3,5.7999999999999996E-3,6.6E-3,1.03E-2,3.2399999999999998E-2,8.5000000000000006E-3]
["2023-04-29",6.6E-3,7.7000000000000002E-3,6.4999999999999997E-3,6.7000000000000002E-3,1.01E-2,2.75E-2,8.9999999999999993E-3]
["2023-05-31",5.1000000000000004E-3,6.1000000000000004E-3,5.3E-3,5.7999999999999996E-3,8.6999999999999994E-3,2.5899999999999999E-2,7.4999999999999997E-3]
["2023-06-28",5.7999999999999996E-3,6.7000000000000002E-3,6.0000000000000001E-3,6.4000000000000003E-3,9.1999999999999998E-3,2.5100000000000001E-2,8.0999999999999996E-3]
["2023-07-29",5.4000000000000003E-3,6.3E-3,5.7000000000000002E-3,6.7000000000000002E-3,1.01E-2,2.8299999999999999E-2,8.2000000000000007E-3]
["2023-08-30",5.3E-3,5.8999999999999999E-3,5.4000000000000003E-3,6.7000000000000002E-3,0.01,2.8199999999999999E-2,8.0000000000000002E-3]
["2023-09-30",7.6E-3,8.5000000000000006E-3,7.0000000000000001E-3,7.4999999999999997E-3,1.11E-2,3.2399999999999998E-2,1.03E-2]
["2023-10-28",6.4000000000000003E-3,7.1000000000000004E-3,5.7000000000000002E-3,6.0000000000000001E-3,8.9999999999999993E-3,2.7E-2,8.6E-3]
["2023-11-29",6.1999999999999998E-3,6.7000000000000002E-3,5.7999999999999996E-3,6.7999999999999996E-3,1.0800000000000001E-2,3.2599999999999997E-2,9.1000000000000004E-3]
["2023-12-30",5.1999999999999998E-3,6.0000000000000001E-3,5.4999999999999997E-3,6.3E-3,9.7999999999999997E-3,3.0499999999999999E-2,8.3999999999999995E-3]
["2024-01-31",8.6999999999999994E-3,8.6E-3,6.7000000000000002E-3,6.7999999999999996E-3,9.9000000000000008E-3,2.9700000000000001E-2,1.04E-2]
["2024-02-28",8.0999999999999996E-3,8.3999999999999995E-3,6.6E-3,6.6E-3,1.0200000000000001E-2,2.8400000000000002E-2,0.01]
["2024-03-30",5.5999999999999999E-3,6.3E-3,5.8999999999999999E-3,7.1000000000000004E-3,1.06E-2,3.0499999999999999E-2,8.8000000000000005E-3]
["2024-04-27",6.0000000000000001E-3,6.4999999999999997E-3,5.5999999999999999E-3,6.1999999999999998E-3,9.7999999999999997E-3,2.64E-2,8.3000000000000001E-3]
["2024-05-29",7.1000000000000004E-3,8.0999999999999996E-3,7.4999999999999997E-3,7.6E-3,1.11E-2,2.8500000000000001E-2,9.9000000000000008E-3]
["2024-06-29",6.0000000000000001E-3,7.0000000000000001E-3,6.3E-3,6.6E-3,1.01E-2,2.6800000000000001E-2,8.8000000000000005E-3]
["2024-07-31",7.1000000000000004E-3,7.4999999999999997E-3,6.3E-3,6.7999999999999996E-3,1.04E-2,2.7699999999999999E-2,9.4000000000000004E-3]
["2024-08-31",7.6E-3,7.7000000000000002E-3,6.6E-3,7.1999999999999998E-3,1.12E-2,2.8299999999999999E-2,9.7999999999999997E-3]
["2024-09-28",5.7999999999999996E-3,6.3E-3,5.3E-3,5.8999999999999999E-3,8.8999999999999999E-3,2.4299999999999999E-2,8.0000000000000002E-3]
["2024-10-30",5.0000000000000001E-3,5.7999999999999996E-3,5.7000000000000002E-3,6.8999999999999999E-3,1.0999999999999999E-2,2.8799999999999999E-2,8.3000000000000001E-3]
["2024-11-30",6.1999999999999998E-3,6.7999999999999996E-3,6.1999999999999998E-3,7.1000000000000004E-3,1.1299999999999999E-2,3.2800000000000003E-2,9.4999999999999998E-3]
["2024-12-28",5.1000000000000004E-3,5.5999999999999999E-3,4.7999999999999996E-3,5.4999999999999997E-3,9.1999999999999998E-3,2.4400000000000002E-2,7.4999999999999997E-3]
[]
["Figure 98"]
["MONTHLY ACCOUNT CLOSURE INCIDENCE, PRIVATE LABEL (CCIP)"]
["Date","Superprime","Prime plus","Prime","Near-prime","Subprime","Deep subprime","Overall"]
["2015-01-31",8.6E-3,8.6999999999999994E-3,7.0000000000000001E-3,6.6E-3,1.1299999999999999E-2,3.49E-2,1.01E-2]
["2015-02-28",1.01E-2,1.0800000000000001E-2,9.7999999999999997E-3,9.7999999999999997E-3,1.41E-2,2.76E-2,1.17E-2]
["2015-03-28",7.1000000000000004E-3,8.6E-3,8.0000000000000002E-3,7.7999999999999996E-3,1.26E-2,3.2000000000000001E-2,9.7999999999999997E-3]
["2015-04-29",9.9000000000000008E-3,1.1299999999999999E-2,9.5999999999999992E-3,8.9999999999999993E-3,1.4200000000000001E-2,3.6299999999999999E-2,1.2200000000000001E-2]
["2015-05-30",7.1999999999999998E-3,7.7000000000000002E-3,7.1999999999999998E-3,7.6E-3,1.24E-2,2.8199999999999999E-2,9.1000000000000004E-3]
["2015-06-27",5.8999999999999999E-3,6.7000000000000002E-3,5.8999999999999999E-3,5.5999999999999999E-3,9.9000000000000008E-3,3.09E-2,8.0000000000000002E-3]
["2015-07-29",9.9000000000000008E-3,1.0500000000000001E-2,8.9999999999999993E-3,8.3000000000000001E-3,1.2200000000000001E-2,3.32E-2,1.14E-2]
["2015-08-29",7.3000000000000001E-3,8.2000000000000007E-3,7.9000000000000008E-3,8.8000000000000005E-3,1.41E-2,3.5099999999999999E-2,0.01]
["2015-09-30",1.4500000000000001E-2,1.37E-2,1.17E-2,0.01,1.41E-2,4.0399999999999998E-2,1.5100000000000001E-2]
["2015-10-31",7.0000000000000001E-3,7.4999999999999997E-3,6.6E-3,6.7999999999999996E-3,1.2200000000000001E-2,2.93E-2,8.8999999999999999E-3]
["2015-11-28",6.1999999999999998E-3,7.7000000000000002E-3,8.6999999999999994E-3,7.7000000000000002E-3,1.2500000000000001E-2,3.32E-2,9.4999999999999998E-3]
["2015-12-30",6.1999999999999998E-3,7.4000000000000003E-3,7.4000000000000003E-3,6.4999999999999997E-3,1.09E-2,3.7600000000000001E-2,9.4000000000000004E-3]
["2016-01-30",1.0500000000000001E-2,1.12E-2,9.5999999999999992E-3,9.1999999999999998E-3,1.54E-2,4.9200000000000001E-2,1.34E-2]
["2016-02-27",8.3999999999999995E-3,8.5000000000000006E-3,7.7999999999999996E-3,8.3999999999999995E-3,1.2999999999999999E-2,3.1699999999999999E-2,1.0200000000000001E-2]
["2016-03-30",7.9000000000000008E-3,9.2999999999999992E-3,8.2000000000000007E-3,7.6E-3,1.2500000000000001E-2,3.6299999999999999E-2,1.06E-2]
["2016-04-30",7.7000000000000002E-3,8.8999999999999999E-3,8.0000000000000002E-3,7.7999999999999996E-3,1.29E-2,3.6200000000000003E-2,1.03E-2]
["2016-05-28",5.4000000000000003E-3,6.3E-3,6.1000000000000004E-3,6.7999999999999996E-3,1.1599999999999999E-2,3.1E-2,8.0000000000000002E-3]
["2016-06-29",6.4999999999999997E-3,7.7000000000000002E-3,7.7999999999999996E-3,8.3999999999999995E-3,1.3100000000000001E-2,4.2500000000000003E-2,1.0200000000000001E-2]
["2016-07-30",1.04E-2,1.2200000000000001E-2,1.09E-2,9.9000000000000008E-3,1.35E-2,3.7699999999999997E-2,1.2999999999999999E-2]
["2016-08-31",8.0999999999999996E-3,1.0500000000000001E-2,1.1299999999999999E-2,0.01,1.43E-2,3.7100000000000001E-2,1.2E-2]
["2016-09-28",6.4000000000000003E-3,8.3999999999999995E-3,8.6E-3,7.4999999999999997E-3,1.1299999999999999E-2,3.7499999999999999E-2,1.01E-2]
["2016-10-29",7.7000000000000002E-3,8.6999999999999994E-3,7.9000000000000008E-3,7.4000000000000003E-3,1.2800000000000001E-2,4.9299999999999997E-2,1.12E-2]
["2016-11-30",9.4000000000000004E-3,1.0800000000000001E-2,1.01E-2,9.9000000000000008E-3,1.67E-2,5.5399999999999998E-2,1.3599999999999999E-2]
["2016-12-31",6.3E-3,8.0000000000000002E-3,7.4999999999999997E-3,6.7000000000000002E-3,1.03E-2,3.7699999999999997E-2,9.7000000000000003E-3]
["2017-01-28",1.5299999999999999E-2,1.5299999999999999E-2,1.1599999999999999E-2,1.01E-2,1.46E-2,4.8099999999999997E-2,1.6299999999999999E-2]
["2017-02-25",9.2999999999999992E-3,9.9000000000000008E-3,8.9999999999999993E-3,8.9999999999999993E-3,1.3100000000000001E-2,3.4099999999999998E-2,1.14E-2]
["2017-03-29",7.7000000000000002E-3,9.4000000000000004E-3,8.6E-3,8.2000000000000007E-3,1.3299999999999999E-2,4.3900000000000002E-2,1.14E-2]
["2017-04-29",7.3000000000000001E-3,8.6E-3,8.6E-3,8.3000000000000001E-3,1.4E-2,4.9299999999999997E-2,1.14E-2]
["2017-05-31",7.6E-3,9.4000000000000004E-3,0.01,9.4999999999999998E-3,1.38E-2,3.6200000000000003E-2,1.12E-2]
["2017-06-28",7.3000000000000001E-3,8.5000000000000006E-3,7.4999999999999997E-3,6.8999999999999999E-3,1.17E-2,3.4599999999999999E-2,9.9000000000000008E-3]
["2017-07-29",1.01E-2,1.01E-2,8.3999999999999995E-3,7.7000000000000002E-3,1.46E-2,4.7199999999999999E-2,1.24E-2]
["2017-08-30",1.0800000000000001E-2,1.03E-2,9.1000000000000004E-3,9.7000000000000003E-3,1.6199999999999999E-2,4.0599999999999997E-2,1.26E-2]
["2017-09-30",1.18E-2,1.34E-2,1.03E-2,9.5999999999999992E-3,1.72E-2,4.6699999999999998E-2,1.47E-2]
["2017-10-28",7.3000000000000001E-3,7.7000000000000002E-3,6.4999999999999997E-3,6.4000000000000003E-3,1.1900000000000001E-2,3.6600000000000001E-2,9.5999999999999992E-3]
["2017-11-29",1.24E-2,1.7899999999999999E-2,2.1100000000000001E-2,1.8100000000000002E-2,1.83E-2,3.8699999999999998E-2,1.8700000000000001E-2]
["2017-12-30",6.6E-3,7.9000000000000008E-3,6.4999999999999997E-3,6.4999999999999997E-3,1.17E-2,4.0300000000000002E-2,9.7999999999999997E-3]
["2018-01-31",1.15E-2,1.1599999999999999E-2,9.4999999999999998E-3,9.1000000000000004E-3,1.54E-2,4.6899999999999997E-2,1.38E-2]
["2018-02-28",8.5000000000000006E-3,8.9999999999999993E-3,8.0000000000000002E-3,8.9999999999999993E-3,1.54E-2,3.3599999999999998E-2,1.09E-2]
["2018-03-31",7.4000000000000003E-3,8.8999999999999999E-3,8.5000000000000006E-3,8.5000000000000006E-3,1.49E-2,3.73E-2,1.09E-2]
["2018-04-28",3.27E-2,2.9499999999999998E-2,2.0500000000000001E-2,1.8200000000000001E-2,2.5899999999999999E-2,4.5600000000000002E-2,2.8400000000000002E-2]
["2018-05-30",6.4299999999999996E-2,6.2300000000000001E-2,4.19E-2,3.6200000000000003E-2,4.5999999999999999E-2,6.4600000000000005E-2,5.5199999999999999E-2]
["2018-06-30",7.4999999999999997E-3,9.4999999999999998E-3,9.1999999999999998E-3,7.6E-3,1.7100000000000001E-2,5.5100000000000003E-2,1.26E-2]
["2018-07-28",3.4099999999999998E-2,2.7099999999999999E-2,2.01E-2,1.89E-2,2.3199999999999998E-2,4.0899999999999999E-2,2.7400000000000001E-2]
["2018-08-29",0.01,1.0200000000000001E-2,8.5000000000000006E-3,9.4000000000000004E-3,1.66E-2,4.1200000000000001E-2,1.24E-2]
["2018-09-29",8.0000000000000002E-3,9.4000000000000004E-3,8.2000000000000007E-3,8.0999999999999996E-3,1.43E-2,4.3400000000000001E-2,1.17E-2]
["2018-10-31",1.29E-2,1.3599999999999999E-2,1.2E-2,1.2200000000000001E-2,0.02,4.58E-2,1.5900000000000001E-2]
["2018-11-28",3.5099999999999999E-2,3.8699999999999998E-2,3.09E-2,2.7799999999999998E-2,3.6499999999999998E-2,5.3699999999999998E-2,3.61E-2]
["2018-12-29",6.6E-3,7.7999999999999996E-3,7.1000000000000004E-3,7.1999999999999998E-3,1.2699999999999999E-2,4.07E-2,1.03E-2]
["2019-01-30",1.52E-2,1.5800000000000002E-2,1.3100000000000001E-2,1.3299999999999999E-2,2.1299999999999999E-2,5.1700000000000003E-2,1.8100000000000002E-2]
["2019-02-27",2.98E-2,2.9100000000000001E-2,1.9699999999999999E-2,1.6799999999999999E-2,2.2200000000000001E-2,4.0599999999999997E-2,2.6599999999999999E-2]
["2019-03-30",8.8000000000000005E-3,1.04E-2,9.1000000000000004E-3,8.8000000000000005E-3,1.44E-2,3.85E-2,1.21E-2]
["2019-04-27",1.01E-2,1.11E-2,9.4999999999999998E-3,9.4999999999999998E-3,1.7399999999999999E-2,5.0200000000000002E-2,1.38E-2]
["2019-05-29",2.4500000000000001E-2,2.2499999999999999E-2,1.66E-2,1.5599999999999999E-2,2.35E-2,4.4499999999999998E-2,2.29E-2]
["2019-06-29",8.3000000000000001E-3,9.4000000000000004E-3,7.4000000000000003E-3,7.0000000000000001E-3,1.2800000000000001E-2,3.9399999999999998E-2,1.11E-2]
["2019-07-31",1.0699999999999999E-2,1.17E-2,9.1999999999999998E-3,7.7999999999999996E-3,1.32E-2,3.8399999999999997E-2,1.2699999999999999E-2]
["2019-08-31",1.95E-2,1.9800000000000002E-2,1.52E-2,1.47E-2,2.01E-2,4.2099999999999999E-2,0.02]
["2019-09-28",7.4999999999999997E-3,8.5000000000000006E-3,6.6E-3,6.3E-3,1.06E-2,3.5799999999999998E-2,0.01]
["2019-10-30",1.1299999999999999E-2,1.4500000000000001E-2,2.3300000000000001E-2,2.9899999999999999E-2,3.1E-2,4.3700000000000003E-2,2.0400000000000001E-2]
["2019-11-30",2.2800000000000001E-2,2.1499999999999998E-2,1.7000000000000001E-2,1.6799999999999999E-2,2.2499999999999999E-2,4.1799999999999997E-2,2.2100000000000002E-2]
["2019-12-28",7.3000000000000001E-3,8.2000000000000007E-3,6.4000000000000003E-3,5.8999999999999999E-3,9.4999999999999998E-3,3.3700000000000001E-2,9.5999999999999992E-3]
["2020-01-29",9.9000000000000008E-3,1.2E-2,9.7999999999999997E-3,8.0999999999999996E-3,1.2E-2,4.0300000000000002E-2,1.3100000000000001E-2]
["2020-02-29",1.6500000000000001E-2,1.78E-2,1.4500000000000001E-2,1.3100000000000001E-2,1.89E-2,5.2200000000000003E-2,1.9400000000000001E-2]
["2020-03-28",8.5000000000000006E-3,9.2999999999999992E-3,7.1999999999999998E-3,6.7999999999999996E-3,1.14E-2,3.5099999999999999E-2,1.0699999999999999E-2]
["2020-04-29",1.61E-2,1.8200000000000001E-2,1.5900000000000001E-2,1.47E-2,2.0199999999999999E-2,4.9399999999999999E-2,1.95E-2]
["2020-05-30",4.3700000000000003E-2,4.4900000000000002E-2,3.6299999999999999E-2,3.1399999999999997E-2,3.8199999999999998E-2,5.7799999999999997E-2,4.2200000000000001E-2]
["2020-06-27",8.5000000000000006E-3,9.1999999999999998E-3,7.4000000000000003E-3,8.6999999999999994E-3,1.72E-2,4.07E-2,1.14E-2]
["2020-07-29",9.4000000000000004E-3,1.0200000000000001E-2,8.0999999999999996E-3,8.2000000000000007E-3,1.29E-2,3.3799999999999997E-2,1.12E-2]
["2020-08-29",2.3E-2,2.46E-2,2.06E-2,2.01E-2,2.3599999999999999E-2,3.8199999999999998E-2,2.3800000000000002E-2]
["2020-09-30",9.1000000000000004E-3,1.01E-2,8.9999999999999993E-3,9.7000000000000003E-3,1.49E-2,3.5999999999999997E-2,1.1599999999999999E-2]
["2020-10-31",1.01E-2,1.15E-2,1.2800000000000001E-2,1.8200000000000001E-2,2.2800000000000001E-2,3.6400000000000002E-2,1.44E-2]
["2020-11-28",2.7099999999999999E-2,2.7799999999999998E-2,2.2499999999999999E-2,1.95E-2,2.2499999999999999E-2,3.49E-2,2.5899999999999999E-2]
["2020-12-30",1.8200000000000001E-2,1.9699999999999999E-2,1.7899999999999999E-2,1.9300000000000001E-2,2.4799999999999999E-2,3.9699999999999999E-2,2.06E-2]
["2021-01-30",1.7100000000000001E-2,1.6400000000000001E-2,1.3899999999999999E-2,1.44E-2,1.95E-2,3.8600000000000002E-2,1.7600000000000001E-2]
["2021-02-27",1.3100000000000001E-2,1.3100000000000001E-2,9.7000000000000003E-3,8.8000000000000005E-3,1.38E-2,3.32E-2,1.34E-2]
["2021-03-31",1.4999999999999999E-2,1.6199999999999999E-2,1.3100000000000001E-2,1.24E-2,1.66E-2,3.1899999999999998E-2,1.5900000000000001E-2]
["2021-04-28",7.9000000000000008E-3,8.8999999999999999E-3,7.3000000000000001E-3,8.6E-3,1.38E-2,0.03,9.7999999999999997E-3]
["2021-05-29",1.0699999999999999E-2,1.11E-2,9.1999999999999998E-3,9.5999999999999992E-3,1.43E-2,2.9399999999999999E-2,1.17E-2]
["2021-06-30",1.01E-2,1.04E-2,7.7000000000000002E-3,7.4000000000000003E-3,1.17E-2,2.52E-2,1.04E-2]
["2021-07-31",1.03E-2,0.01,7.4000000000000003E-3,8.2000000000000007E-3,1.2999999999999999E-2,2.69E-2,1.0500000000000001E-2]
["2021-08-28",1.2699999999999999E-2,1.26E-2,9.4000000000000004E-3,8.6999999999999994E-3,1.24E-2,2.7199999999999998E-2,1.24E-2]
["2021-09-29",1.0200000000000001E-2,1.0699999999999999E-2,8.0999999999999996E-3,8.2000000000000007E-3,1.1900000000000001E-2,2.8199999999999999E-2,1.09E-2]
["2021-10-30",8.6E-3,9.1000000000000004E-3,7.1000000000000004E-3,7.1000000000000004E-3,1.1299999999999999E-2,2.52E-2,9.4999999999999998E-3]
["2021-11-27",1.3599999999999999E-2,1.5299999999999999E-2,1.32E-2,1.21E-2,1.55E-2,2.7400000000000001E-2,1.49E-2]
["2021-12-29",8.5000000000000006E-3,9.2999999999999992E-3,7.0000000000000001E-3,7.1999999999999998E-3,1.12E-2,2.75E-2,9.7000000000000003E-3]
["2022-01-29",8.3000000000000001E-3,8.6999999999999994E-3,7.3000000000000001E-3,8.6E-3,1.38E-2,3.3000000000000002E-2,1.0200000000000001E-2]
["2022-02-26",1.5100000000000001E-2,1.6799999999999999E-2,1.3599999999999999E-2,1.23E-2,1.5900000000000001E-2,3.5499999999999997E-2,1.6400000000000001E-2]
["2022-03-30",1.0999999999999999E-2,1.14E-2,9.1000000000000004E-3,9.7000000000000003E-3,1.49E-2,3.4500000000000003E-2,1.23E-2]
["2022-04-30",8.8999999999999999E-3,0.01,1.15E-2,1.8700000000000001E-2,2.9600000000000001E-2,4.82E-2,1.4500000000000001E-2]
["2022-05-28",1.0699999999999999E-2,1.3100000000000001E-2,1.44E-2,1.9699999999999999E-2,2.8199999999999999E-2,3.8699999999999998E-2,1.6E-2]
["2022-06-29",8.6999999999999994E-3,9.1999999999999998E-3,7.3000000000000001E-3,7.1999999999999998E-3,1.0999999999999999E-2,2.4199999999999999E-2,9.5999999999999992E-3]
["2022-07-30",1.5100000000000001E-2,1.1299999999999999E-2,6.3E-3,6.1999999999999998E-3,9.2999999999999992E-3,2.12E-2,1.1299999999999999E-2]
["2022-08-31",1.0200000000000001E-2,1.06E-2,8.0999999999999996E-3,7.7999999999999996E-3,1.15E-2,2.9100000000000001E-2,1.11E-2]
["2022-09-28",7.4999999999999997E-3,8.0999999999999996E-3,6.4999999999999997E-3,6.7999999999999996E-3,1.2800000000000001E-2,3.6499999999999998E-2,9.9000000000000008E-3]
["2022-10-29",7.1000000000000004E-3,7.3000000000000001E-3,5.4999999999999997E-3,5.7000000000000002E-3,0.01,2.5399999999999999E-2,8.2000000000000007E-3]
["2022-11-30",8.6999999999999994E-3,9.1000000000000004E-3,6.8999999999999999E-3,6.6E-3,1.09E-2,2.4899999999999999E-2,9.5999999999999992E-3]
["2022-12-31",1.06E-2,1.26E-2,1.09E-2,1.09E-2,1.8599999999999998E-2,4.9399999999999999E-2,1.49E-2]
["2023-01-28",9.4999999999999998E-3,9.4999999999999998E-3,6.7999999999999996E-3,6.7000000000000002E-3,1.17E-2,2.7699999999999999E-2,1.03E-2]
["2023-02-25",1.49E-2,1.5699999999999999E-2,1.11E-2,9.4999999999999998E-3,1.4200000000000001E-2,2.8799999999999999E-2,1.4999999999999999E-2]
["2023-03-29",8.3000000000000001E-3,9.1999999999999998E-3,7.4000000000000003E-3,7.4999999999999997E-3,1.29E-2,2.8899999999999999E-2,1.03E-2]
["2023-04-29",7.7999999999999996E-3,8.6E-3,7.1000000000000004E-3,7.3000000000000001E-3,1.2999999999999999E-2,2.93E-2,9.9000000000000008E-3]
["2023-05-31",1.3599999999999999E-2,1.6500000000000001E-2,1.66E-2,1.9199999999999998E-2,2.4899999999999999E-2,3.3700000000000001E-2,1.7899999999999999E-2]
["2023-06-28",8.8000000000000005E-3,1.0200000000000001E-2,8.5000000000000006E-3,8.8999999999999999E-3,1.29E-2,2.47E-2,1.0699999999999999E-2]
["2023-07-29",8.9999999999999993E-3,0.01,8.6E-3,1.0500000000000001E-2,1.67E-2,3.2800000000000003E-2,1.18E-2]
["2023-08-30",1.2699999999999999E-2,1.5900000000000001E-2,1.6500000000000001E-2,1.7600000000000001E-2,2.2200000000000001E-2,3.3700000000000001E-2,1.72E-2]
["2023-09-30",9.4000000000000004E-3,1.04E-2,8.3999999999999995E-3,1.01E-2,1.6400000000000001E-2,3.3000000000000002E-2,1.2E-2]
["2023-10-28",7.3000000000000001E-3,8.2000000000000007E-3,6.6E-3,7.7999999999999996E-3,1.4200000000000001E-2,0.03,9.9000000000000008E-3]
["2023-11-29",1.09E-2,1.24E-2,1.04E-2,1.15E-2,1.72E-2,3.3000000000000002E-2,1.37E-2]
["2023-12-30",8.8999999999999999E-3,0.01,8.0000000000000002E-3,8.8000000000000005E-3,1.4999999999999999E-2,3.1600000000000003E-2,1.15E-2]
["2024-01-31",1.09E-2,1.1900000000000001E-2,9.4000000000000004E-3,9.4000000000000004E-3,1.4800000000000001E-2,2.93E-2,1.2699999999999999E-2]
["2024-02-28",1.38E-2,1.5599999999999999E-2,1.26E-2,1.2999999999999999E-2,1.9400000000000001E-2,3.0499999999999999E-2,1.6E-2]
["2024-03-30",9.1999999999999998E-3,1.01E-2,8.3000000000000001E-3,8.8000000000000005E-3,1.5699999999999999E-2,2.8799999999999999E-2,1.15E-2]
["2024-04-27",1.01E-2,1.17E-2,1.01E-2,1.14E-2,1.7399999999999999E-2,2.7799999999999998E-2,1.2800000000000001E-2]
["2024-05-29",2.8400000000000002E-2,3.6299999999999999E-2,3.5000000000000003E-2,3.4099999999999998E-2,3.6700000000000003E-2,3.7999999999999999E-2,3.4000000000000002E-2]
["2024-06-29",9.9000000000000008E-3,1.1599999999999999E-2,1.09E-2,1.14E-2,1.77E-2,2.9000000000000001E-2,1.2999999999999999E-2]
["2024-07-31",1.2500000000000001E-2,1.3100000000000001E-2,1.09E-2,1.29E-2,1.9E-2,2.9600000000000001E-2,1.4500000000000001E-2]
["2024-08-31",1.9099999999999999E-2,1.95E-2,1.6199999999999999E-2,1.8800000000000001E-2,2.6800000000000001E-2,3.2500000000000001E-2,2.0400000000000001E-2]
["2024-09-28",8.0999999999999996E-3,9.1000000000000004E-3,8.0999999999999996E-3,9.7000000000000003E-3,1.52E-2,2.35E-2,1.0500000000000001E-2]
["2024-10-30",1.06E-2,1.2500000000000001E-2,1.29E-2,1.5699999999999999E-2,2.2700000000000001E-2,3.3599999999999998E-2,1.5100000000000001E-2]
["2024-11-30",1.46E-2,1.7999999999999999E-2,1.67E-2,1.8499999999999999E-2,2.4199999999999999E-2,3.6299999999999999E-2,1.9199999999999998E-2]
["2024-12-28",6.8999999999999999E-3,7.4999999999999997E-3,5.5999999999999999E-3,6.8999999999999999E-3,1.18E-2,2.1299999999999999E-2,8.6E-3]

{"sheet":"Section 7 - Practices","index":7,"n_rows":625,"n_cols":9,"rows_kept":625,"cut":false,"hidden":false,"merged":[]}
["Section 7 - Practices of credit card issuers"]
[]
[]
["Figure 99"]
["ANNUAL SHARE OF PURCHASE VOLUME ON REWARDS CARDS, GENERAL PURPOSE (Y-14+)"]
["Year","Superprime and prime plus","Prime","Near-prime","Subprime","Deep subprime","Overall"]
[2015,0.87660000000000005,0.75329999999999997,0.64670000000000005,0.56540000000000001,0.46870000000000001,0.84560000000000002]
[2016,0.88129999999999997,0.76490000000000002,0.66859999999999997,0.59850000000000003,0.51060000000000005,0.85129999999999995]
[2017,0.88500000000000001,0.77270000000000005,0.68489999999999995,0.62549999999999994,0.54559999999999997,0.85750000000000004]
[2018,0.90049999999999997,0.7994,0.70779999999999998,0.64849999999999997,0.57769999999999999,0.876]
[2019,0.92610000000000003,0.83130000000000004,0.74029999999999996,0.6784,0.61029999999999995,0.90300000000000002]
[2020,0.9274,0.83509999999999995,0.74199999999999999,0.68140000000000001,0.61470000000000002,0.90559999999999996]
[2021,0.92720000000000002,0.83699999999999997,0.73929999999999996,0.68230000000000002,0.6331,0.90620000000000001]
[2022,0.93049999999999999,0.85019999999999996,0.77459999999999996,0.72330000000000005,0.6542,0.91139999999999999]
[2023,0.9405,0.86350000000000005,0.80149999999999999,0.75660000000000005,0.69779999999999998,0.92310000000000003]
[2024,0.93879999999999997,0.86499999999999999,0.81240000000000001,0.77649999999999997,0.72519999999999996,0.9234]
[]
["Figure 100"]
["QUARTERLY DOLLAR VALUE OF AVERAGE REWARDS BALANCES, GENERAL PURPOSE (MMI)"]
["Quarter","Superprime","Prime plus","Prime","Near-prime","Subprime and deep subprime","Overall"]
["2019Q1",163.5,143.63,79.2,49.72,27.39,121.99]
["2019Q2",166.89,144.34,79.13,49.32,26.46,123.81]
["2019Q3",170.57,147.65,80.33,49.13,26.11,126.23]
["2019Q4",173.27,147.31,79.72,48.72,25.92,125.5]
["2020Q1",168.92,144.65,77.8,47.23,25.1,123.16]
["2020Q2",179.44,141.99,77.09,47.51,25.58,127.34]
["2020Q3",182.81,145.72999999999999,77.69,47.42,25.51,131.76]
["2020Q4",183.39,149.44999999999999,77.819999999999993,46.3,24.51,133.36000000000001]
["2021Q1",179.13,147.86000000000001,75.7,44.36,23.47,130.97999999999999]
["2021Q2",188.8,157.19,78.819999999999993,45.93,23.67,139.08000000000001]
["2021Q3",197.23,167.42,83.2,47.58,23.71,145.94999999999999]
["2021Q4",204.75,173.38,86.41,48.87,23.89,150.44]
["2022Q1",199.41,170.88,85.45,48.7,23.97,146.74]
["2022Q2",204.2,175.1,87.69,50.24,25.03,150.09]
["2022Q3",210.44,180.87,89.59,51.34,25.62,153.37]
["2022Q4",215.52,184.07,91.19,51.99,26.31,155.6]
["2023Q1",219,209.47,112.23,68.16,40.630000000000003,169.95]
["2023Q2",225.53,218.07,115.05,69.680000000000007,41,176.87]
["2023Q3",236.96,224.56,118.14,70.739999999999995,40.17,182.71]
["2023Q4",246.3,229.4,119.4,70.459999999999994,38.25,186.61]
["2024Q1",226.54,215.34,113.32,67.17,35.68,173.33]
["2024Q2",235.81,225.78,117.3,68.87,35.36,181.34]
["2024Q3",248.43,232.56,120.53,70.180000000000007,34.76,187.82]
["2024Q4",257.47000000000003,237.94,121.79,69.91,33.43,191.86]
[]
["Figure 101"]
["SHARE OF ACCOUNTS BY TYPE OF REWARD, GENERAL PURPOSE (Y-14+)"]
["Year","Cash back","Miles","Points and other","No rewards"]
[2015,0.2797,8.9300000000000004E-2,0.3019,0.3291]
[2016,0.28860000000000002,8.7999999999999995E-2,0.29659999999999997,0.32679999999999998]
[2017,0.30099999999999999,8.77E-2,0.29649999999999999,0.31480000000000002]
[2018,0.30859999999999999,8.9200000000000002E-2,0.3034,0.29880000000000001]
[2019,0.32140000000000002,9.0899999999999995E-2,0.31769999999999998,0.27]
[2020,0.32919999999999999,9.2399999999999996E-2,0.32890000000000003,0.2495]
[2021,0.34089999999999998,9.2700000000000005E-2,0.33500000000000002,0.23139999999999999]
[2022,0.34329999999999999,9.5600000000000004E-2,0.34320000000000001,0.21790000000000001]
[2023,0.35399999999999998,9.8900000000000002E-2,0.34089999999999998,0.20619999999999999]
[2024,0.3639,0.1013,0.33200000000000002,0.20280000000000001]
[]
["Figure 102"]
["DOLLAR VALUE OF REWARDS EARNED, GENERAL PURPOSE (MMI)"]
["Year","Cash back","Miles","Points and other"]
[2019,9959000000,3987000000,12197000000]
[2020,9326000000,3262000000,11334000000]
[2021,12523000000,3992000000,16165000000]
[2022,15154000000,5250000000,21045000000]
[2023,15992000000,5913000000,22579000000]
[2024,16551000000,6588000000,23875000000]
[]
["Figure 103"]
["DOLLAR VALUE OF REWARDS REDEEMED, GENERAL PURPOSE (MMI)"]
["Year","Superprime","Prime plus","Prime","Below-prime"]
[2019,9295000000,9593000000,2851000000,1307000000]
[2020,9095000000,8569000000,2541000000,1147000000]
[2021,11136000000,11517000000,3120000000,1326000000]
[2022,13370000000,14905000000,4208000000,1994000000]
[2023,17067000000,15855000000,4914000000,2867000000]
[2024,18502000000,16611000000,5026000000,2902000000]
[]
["Figure 104"]
["QUARTERLY REWARDS FORFEITURE INCIDENCE, GENERAL PURPOSE (MMI)"]
["Quarter","Superprime","Prime plus","Prime","Near-prime","Subprime and deep subprime","Overall"]
["2019Q1",4.8099999999999997E-2,3.7999999999999999E-2,3.5400000000000001E-2,3.4500000000000003E-2,8.6400000000000005E-2,4.58E-2]
["2019Q2",4.5499999999999999E-2,3.4700000000000002E-2,3.1899999999999998E-2,3.0599999999999999E-2,7.6899999999999996E-2,4.2200000000000001E-2]
["2019Q3",4.6100000000000002E-2,3.5900000000000001E-2,3.3300000000000003E-2,3.2099999999999997E-2,7.5800000000000006E-2,4.2700000000000002E-2]
["2019Q4",4.9299999999999997E-2,4.1500000000000002E-2,3.8199999999999998E-2,3.5700000000000003E-2,8.3400000000000002E-2,4.8000000000000001E-2]
["2020Q1",4.65E-2,3.7699999999999997E-2,3.5000000000000003E-2,3.2500000000000001E-2,7.9500000000000001E-2,4.3999999999999997E-2]
["2020Q2",3.6900000000000002E-2,2.98E-2,2.93E-2,2.7400000000000001E-2,6.6699999999999995E-2,3.6299999999999999E-2]
["2020Q3",3.5999999999999997E-2,2.9399999999999999E-2,2.9499999999999998E-2,2.75E-2,6.1499999999999999E-2,3.4500000000000003E-2]
["2020Q4",4.1599999999999998E-2,3.3399999999999999E-2,3.1E-2,2.7900000000000001E-2,5.8799999999999998E-2,3.9899999999999998E-2]
["2021Q1",4.1000000000000002E-2,3.3099999999999997E-2,3.0599999999999999E-2,2.6700000000000002E-2,6.2E-2,3.7900000000000003E-2]
["2021Q2",3.7499999999999999E-2,3.1099999999999999E-2,2.9100000000000001E-2,2.6100000000000002E-2,5.5800000000000002E-2,3.61E-2]
["2021Q3",4.1200000000000001E-2,3.4200000000000001E-2,3.1800000000000002E-2,2.8899999999999999E-2,5.16E-2,3.7600000000000001E-2]
["2021Q4",3.6900000000000002E-2,3.1600000000000003E-2,0.03,2.7300000000000001E-2,5.3600000000000002E-2,3.4599999999999999E-2]
["2022Q1",3.7999999999999999E-2,3.1300000000000001E-2,2.93E-2,2.6499999999999999E-2,5.9200000000000003E-2,3.5200000000000002E-2]
["2022Q2",3.4000000000000002E-2,2.9000000000000001E-2,2.7400000000000001E-2,2.5100000000000001E-2,5.8500000000000003E-2,3.2300000000000002E-2]
["2022Q3",3.4299999999999997E-2,2.93E-2,2.8000000000000001E-2,2.5700000000000001E-2,6.1400000000000003E-2,3.3099999999999997E-2]
["2022Q4",3.9300000000000002E-2,3.2599999999999997E-2,2.9399999999999999E-2,2.6200000000000001E-2,6.9900000000000004E-2,3.7199999999999997E-2]
["2023Q1",2.7099999999999999E-2,2.5399999999999999E-2,2.46E-2,2.4299999999999999E-2,7.6899999999999996E-2,3.0800000000000001E-2]
["2023Q2",2.4899999999999999E-2,2.4500000000000001E-2,2.4400000000000002E-2,2.4899999999999999E-2,7.9100000000000004E-2,3.0200000000000001E-2]
["2023Q3",2.4199999999999999E-2,2.3400000000000001E-2,2.4E-2,2.46E-2,7.6700000000000004E-2,2.9600000000000001E-2]
["2023Q4",2.5600000000000001E-2,2.4400000000000002E-2,2.3900000000000001E-2,2.3599999999999999E-2,8.2299999999999998E-2,3.09E-2]
["2024Q1",2.7E-2,2.5000000000000001E-2,2.3599999999999999E-2,2.29E-2,8.1100000000000005E-2,3.27E-2]
["2024Q2",2.2100000000000002E-2,2.29E-2,2.1100000000000001E-2,2.07E-2,7.6899999999999996E-2,2.8899999999999999E-2]
["2024Q3",2.2100000000000002E-2,2.3400000000000001E-2,2.2100000000000002E-2,2.1499999999999998E-2,7.4399999999999994E-2,2.9100000000000001E-2]
["2024Q4",2.1499999999999998E-2,2.24E-2,2.1399999999999999E-2,2.07E-2,7.0999999999999994E-2,2.81E-2]
[]
["Figure 105"]
["AVERAGE DOLLAR VALUE OF REWARDS BONUS EARNED, GENERAL PURPOSE (MMI)"]
["Year","Superprime","Prime plus","Prime","Near-prime","Subprime and deep subprime","Overall"]
[2019,287.02999999999997,280.02999999999997,241.98,226.96,199.25,276.08999999999997]
[2020,277.99,278.29000000000002,253.04,240.36,215.54,271.60000000000002]
[2021,329.74,322.69,257.43,211.15,163.91,303.42]
[2022,302.58,359.29,292.12,250.29,219.2,326.13]
[2023,342.95,332.8,263.38,219.86,224.94,298.83999999999997]
[2024,363.51,340.66,265.5,225.18,234.16,310.83999999999997]
[]
["Figure 106"]
["QUARTERLY REWARDS EARNED AS A SHARE OF PURCHASE VOLUME ON REWARDS CARDS, GENERAL PURPOSE (MMI)"]
["Quarter","Superprime","Prime plus","Prime","Near-prime","Subprime","Overall"]
["2019Q1",1.2200000000000001E-2,1.49E-2,1.4999999999999999E-2,1.5900000000000001E-2,1.5900000000000001E-2,1.41E-2]
["2019Q2",1.21E-2,1.47E-2,1.5100000000000001E-2,1.5900000000000001E-2,1.5699999999999999E-2,1.3899999999999999E-2]
["2019Q3",1.21E-2,1.47E-2,1.52E-2,1.6199999999999999E-2,1.6E-2,1.4E-2]
["2019Q4",1.2E-2,1.4800000000000001E-2,1.55E-2,1.6799999999999999E-2,1.6799999999999999E-2,1.4E-2]
["2020Q1",1.23E-2,1.4800000000000001E-2,1.5299999999999999E-2,1.6500000000000001E-2,1.6299999999999999E-2,1.4E-2]
["2020Q2",1.21E-2,1.5100000000000001E-2,1.5800000000000002E-2,1.7100000000000001E-2,1.6799999999999999E-2,1.4E-2]
["2020Q3",1.1900000000000001E-2,1.43E-2,1.4999999999999999E-2,1.6E-2,1.5599999999999999E-2,1.35E-2]
["2020Q4",1.21E-2,1.4800000000000001E-2,1.5299999999999999E-2,1.6199999999999999E-2,1.5800000000000002E-2,1.3899999999999999E-2]
["2021Q1",1.2200000000000001E-2,1.5800000000000002E-2,1.5699999999999999E-2,1.61E-2,1.5699999999999999E-2,1.43E-2]
["2021Q2",1.23E-2,1.6299999999999999E-2,1.6400000000000001E-2,1.67E-2,1.6199999999999999E-2,1.47E-2]
["2021Q3",1.2800000000000001E-2,1.6899999999999998E-2,1.7100000000000001E-2,1.7500000000000002E-2,1.6500000000000001E-2,1.5599999999999999E-2]
["2021Q4",1.2800000000000001E-2,1.7100000000000001E-2,1.7600000000000001E-2,1.8499999999999999E-2,1.7500000000000002E-2,1.5599999999999999E-2]
["2022Q1",1.3599999999999999E-2,1.8100000000000002E-2,1.8700000000000001E-2,2.0199999999999999E-2,1.9400000000000001E-2,1.6500000000000001E-2]
["2022Q2",1.3100000000000001E-2,1.77E-2,1.84E-2,1.9599999999999999E-2,1.89E-2,1.61E-2]
["2022Q3",1.3299999999999999E-2,1.7899999999999999E-2,1.8499999999999999E-2,1.9599999999999999E-2,1.8800000000000001E-2,1.6400000000000001E-2]
["2022Q4",1.32E-2,1.78E-2,1.83E-2,1.9300000000000001E-2,1.8599999999999998E-2,1.61E-2]
["2023Q1",1.43E-2,1.66E-2,1.8200000000000001E-2,0.02,2.1700000000000001E-2,1.6199999999999999E-2]
["2023Q2",1.43E-2,1.6799999999999999E-2,1.8800000000000001E-2,2.0799999999999999E-2,2.1899999999999999E-2,1.6299999999999999E-2]
["2023Q3",1.4500000000000001E-2,1.67E-2,1.8700000000000001E-2,2.01E-2,2.1100000000000001E-2,1.6299999999999999E-2]
["2023Q4",1.4200000000000001E-2,1.66E-2,1.8499999999999999E-2,1.9800000000000002E-2,2.0500000000000001E-2,1.6E-2]
["2024Q1",1.44E-2,1.6799999999999999E-2,1.8599999999999998E-2,1.95E-2,1.9800000000000002E-2,1.6199999999999999E-2]
["2024Q2",1.4500000000000001E-2,1.7000000000000001E-2,1.89E-2,1.9900000000000001E-2,1.9800000000000002E-2,1.6299999999999999E-2]
["2024Q3",1.47E-2,1.7000000000000001E-2,1.89E-2,1.9599999999999999E-2,1.9300000000000001E-2,1.6400000000000001E-2]
["2024Q4",1.4200000000000001E-2,1.7000000000000001E-2,1.89E-2,1.9400000000000001E-2,1.9E-2,1.61E-2]
[]
["Figure 107"]
["QUARTERLY NUMBER OF NEW INSTALLMENT PLANS (MMI)"]
["Quarter","Superprime","Prime plus","Prime","Near-prime","Subprime","Deep subprime","No score"]
["2021Q1",213000,343000,193000,47000,13000,6000,6000]
["2021Q2",322000,485000,255000,63000,19000,9000,12000]
["2021Q3",382000,596000,322000,85000,25000,11000,18000]
["2021Q4",450000,744000,426000,121000,36000,17000,23000]
["2022Q1",420000,693000,393000,118000,36000,18000,16000]
["2022Q2",577000,863000,461000,138000,42000,21000,28000]
["2022Q3",807000,1121000,570000,166000,50000,24000,32000]
["2022Q4",846000,1144000,608000,183000,57000,30000,39000]
["2023Q1",1682000,2248000,1384000,469000,175000,81000,148000]
["2023Q2",1972000,2451000,1441000,469000,173000,88000,153000]
["2023Q3",1885000,2347000,1324000,421000,156000,81000,165000]
["2023Q4",2368000,2810000,1571000,499000,187000,104000,169000]
["2024Q1",1784000,2141000,1146000,358000,138000,83000,79000]
["2024Q2",2145000,2480000,1290000,394000,149000,91000,102000]
["2024Q3",2202000,2567000,1351000,420000,160000,96000,126000]
["2024Q4",2419000,2749000,1453000,454000,174000,104000,156000]
[]
["Figure 108"]
["QUARTERLY AVERAGE AMOUNT APPLIED TO NEW INSTALLMENT PLANS (MMI)"]
["Quarter","Superprime","Prime plus","Prime","Near-prime","Subprime","Deep subprime","No score","Overall"]
["2021Q1",1034,948.06,685.66,500.25,411.43,352.91,821.23,869.14]
["2021Q2",1010,972.49,693.98,489.04,407.46,357.77,726.49,878.98]
["2021Q3",1039,995.31,727.3,535.54999999999995,438.78,384.49,702.98,901.73]
["2021Q4",985.4,942.48,684.95,494.13,409.27,364.42,566.78,842.17]
["2022Q1",1087,1016,736.07,522.34,432.04,379.03,639.99,911.46]
["2022Q2",1140,1085,775.15,539.28,438.86,388.06,658.75,972.2]
["2022Q3",1218,1055,783.65,573.16999999999996,476.12,423.8,689.09,997.73]
["2022Q4",1121,967.29,745.41,548.74,456.58,419.4,619.73,919.01]
["2023Q1",688.27,662.21,419.04,265.52999999999997,211.41,193.98,342.12,558.29999999999995]
["2023Q2",771.53,696.32,442.64,294.73,235.63,202.91,374.82,610.63]
["2023Q3",759.71,705.5,460.82,314.26,253.26,226.45,353.63,618.69000000000005]
["2023Q4",702.3,661.79,440.36,302.10000000000002,253.13,231.11,341.92,583.12]
["2024Q1",928.38,834.07,556.41,372.71,317.74,282.27999999999997,499.22,754.01]
["2024Q2",892.45,819.34,541.97,363.02,312.69,277.54000000000002,493.31,738.33]
["2024Q3",765.94,732.03,503.18,356.17,310.54000000000002,280.31,443.03,654.09]
["2024Q4",691.45,659.17,442.66,311.92,266.39999999999998,246.08,395.72,586.39]
[]
["Figure 109"]
["NUMBER OF ACTIVE ACCOUNTS WITH DI PROMOTIONS (MMI)"]
["Year","Deep subprime","Subprime","Near-prime","Prime","Superprime and prime plus"]
[2021,4283000,10531000,25051000,46830000,72535000]
[2022,6641000,13912000,29032000,49550000,75807000]
[2023,7702000,14542000,30040000,49505000,79912000]
[2024,7030000,12403000,26528000,44825000,80344000]
[]
["Figure 110"]
["SHARE OF ACCOUNTS WITH MULTIPLE DEFERRED INTEREST PROMOTIONS (MMI)"]
["Year","1 DI promotion","2 DI promotions","3+ DI promotions"]
[2021,0.70620000000000005,0.17660000000000001,0.1172]
[2022,0.69520000000000004,0.1817,0.1231]
[2023,0.69120000000000004,0.18360000000000001,0.12520000000000001]
[2024,0.68620000000000003,0.18659999999999999,0.12720000000000001]
[]
["Figure 111"]
["TOTAL PURCHASE VOLUME ON DEFERRED INTEREST PROMOTIONS (MMI)"]
["Year","Superprime and prime plus","Prime","Near-prime","Subprime","Deep subprime","No score"]
[2015,27710000000,12792000000,4395000000,1068000000,335963000,1626000000]
[2016,29987000000,14004000000,4773000000,1140000000,330437000,2295000000]
[2017,28779000000,13410000000,4524000000,1113000000,323184000,4253000000]
[2018,30634000000,13621000000,4476000000,1112000000,307440000,4546000000]
[2019,33218000000,14616000000,4952000000,1336000000,415215000,6323000000]
[2020,34492000000,14367000000,5040000000,1433000000,462817000,4752000000]
[2021,43541000000,16894000000,5871000000,1930000000,1145000000,619873000]
[2022,45899000000,17666000000,6773000000,2398000000,1602000000,280831000]
[2023,47076000000,16925000000,6650000000,2420000000,1669000000,214902000]
[2024,46325000000,15276000000,5650000000,1850000000,876583000,468780000]
[]
["Figure 112"]
["TOTAL PURCHASE VOLUME ON DEFERRED INTEREST PROMOTIONS BY MERCHANT CATEGORY (MMI)"]
["Year","Home improvement","Healthcare","Electronics","Furniture","Jewelry","Other"]
[2017,20058000000,7419000000,8303000000,5596000000,2122000000,8905000000]
[2018,20679000000,7761000000,8754000000,5878000000,2572000000,9052000000]
[2019,25393000000,8193000000,8872000000,5922000000,2647000000,9835000000]
[2020,29704000000,7037000000,7821000000,5207000000,2120000000,8658000000]
[2021,33870000000,8036000000,8559000000,6492000000,3101000000,9944000000]
[2022,36559000000,8444000000,8536000000,6986000000,3453000000,10642000000]
[2023,36671000000,9130000000,8123000000,7012000000,3247000000,10774000000]
[2024,34170000000,8667000000,7808000000,6740000000,3005000000,10056000000]
[]
["Figure 113"]
["SHARE OF PROMOTIONAL SPENDING BY MERCHANT CATEGORY, 2024 (MMI)"]
["Credit score tier","Home improvement","Healthcare","Electronics","Furniture","Jewelry","Other"]
["Superprime and prime plus",0.50729999999999997,0.1081,0.1077,9.9099999999999994E-2,3.9600000000000003E-2,0.13819999999999999]
["Prime",0.45079999999999998,0.13819999999999999,0.12520000000000001,9.2100000000000001E-2,4.9000000000000002E-2,0.1447]
["Near-prime",0.42180000000000001,0.1711,0.112,8.3400000000000002E-2,5.0500000000000003E-2,0.16120000000000001]
["Subprime",0.41760000000000003,0.1993,8.3400000000000002E-2,8.3099999999999993E-2,4.4900000000000002E-2,0.17180000000000001]
["Deep subprime",0.45229999999999998,0.2054,6.7299999999999999E-2,8.09E-2,3.2099999999999997E-2,0.16189999999999999]
["Overall",0.48509999999999998,0.123,0.1108,9.5699999999999993E-2,4.2700000000000002E-2,0.14280000000000001]
[]
["Figure 114"]
["TOTAL PURCHASE VOLUME ON DEFERRED INTEREST PROMOTIONS BY DURATION (MMI)"]
["Year","6-11 months","12-17 months","18+ months"]
[2017,19749000000,18022000000,14630000000]
[2018,20217000000,19261000000,15218000000]
[2019,24868000000,20433000000,15560000000]
[2020,27665000000,18090000000,14793000000]
[2021,31523000000,21443000000,17036000000]
[2022,33184000000,24427000000,16967000000]
[2023,32606000000,25236000000,17110000000]
[2024,29260000000,24756000000,16429000000]
[]
["Figure 115"]
["AVERAGE PURCHASE AMOUNT ON DEFERRED INTEREST PROMOTIONS (MMI)"]
["Year","Superprime and prime plus","Prime","Near-prime","Subprime","Deep subprime","Overall"]
[2017,1010,750,633,544,496,882]
[2018,1008,771,659,572,506,899]
[2019,844,638,540,444,356,755]
[2020,718,549,444,355,302,637]
[2021,779,601,487,419,403,672]
[2022,799,618,501,432,404,682]
[2023,796,615,497,438,404,682]
[2024,803,624,505,443,389,703]
[]
["Figure 116"]
["BALANCE PAYOFF RATE ON DEFERRED INTEREST PROMOTIONS (MMI)"]
["Year","Superprime and prime plus","Prime","Near-prime","Subprime","Overall"]
[2017,0.89890000000000003,0.69979999999999998,0.57169999999999999,0.49370000000000003,0.79169999999999996]
[2018,0.89480000000000004,0.70899999999999996,0.60829999999999995,0.55359999999999998,0.8024]
[2019,0.88739999999999997,0.6996,0.60109999999999997,0.53549999999999998,0.79239999999999999]
[2020,0.89510000000000001,0.73,0.65210000000000001,0.61060000000000003,0.81769999999999998]
[2021,0.91690000000000005,0.76939999999999997,0.68100000000000005,0.57989999999999997,0.84460000000000002]
[2022,0.90759999999999996,0.74750000000000005,0.63249999999999995,0.48380000000000001,0.82040000000000002]
[2023,0.89270000000000005,0.70879999999999999,0.58789999999999998,0.43759999999999999,0.79100000000000004]
[2024,0.89200000000000002,0.70430000000000004,0.59489999999999998,0.44009999999999999,0.79169999999999996]
[]
["Figure 117"]
["TOTAL DEFERRED INTEREST CHARGED (MMI)"]
["Year","Superprime and prime plus","Prime","Near-prime","Subprime","Deep subprime","No score"]
[2015,474599000,711513000,345187000,123035000,61278000,62054000]
[2016,528458000,778658000,381572000,133862000,69990000,70637000]
[2017,582458000,866101000,429785000,146879000,75560000,66062000]
[2018,663168000,921239000,417859000,114468000,37558000,176649000]
[2019,757488000,971129000,423917000,116207000,38243000,319287000]
[2020,765094000,924213000,390747000,108761000,33708000,350481000]
[2021,608140000,690587000,324517000,141398000,121623000,48881000]
[2022,754706000,857815000,439222000,212305000,196047000,31345000]
[2023,1018000000,1148000000,618852000,304112000,323569000,8917000]
[2024,1173000000,1261000000,664364000,329875000,379895000,7034000]
[]
["Figure 118"]
["DEFERRED INTEREST CHARGED AS A SHARE OF PROMOTIONAL PURCHASE AMOUNT FOR PROMOTIONS THAT INCURRED DEFERRED INTEREST (MMI)"]
["Year","Superprime and prime plus","Prime","Near-prime","Subprime","Deep subprime","Overall"]
[2017,0.2177,0.22850000000000001,0.2248,0.2195,0.22040000000000001,0.2223]
[2018,0.2235,0.2379,0.23669999999999999,0.2243,0.2142,0.22900000000000001]
[2019,0.22239999999999999,0.2346,0.23050000000000001,0.21240000000000001,0.19620000000000001,0.222]
[2020,0.21740000000000001,0.22770000000000001,0.22420000000000001,0.2089,0.19570000000000001,0.22189999999999999]
[2021,0.1963,0.20960000000000001,0.20599999999999999,0.21149999999999999,0.23280000000000001,0.2036]
[2022,0.19700000000000001,0.20910000000000001,0.2039,0.20419999999999999,0.2177,0.2041]
[2023,0.20949999999999999,0.22600000000000001,0.224,0.22670000000000001,0.2432,0.222]
[2024,0.2344,0.25530000000000003,0.2505,0.2525,0.26800000000000002,0.24859999999999999]
[]
["Figure 119"]
["DEFERRED INTEREST CHARGED AS A SHARE OF DEFERRED INTEREST PURCHASES ENDED EACH YEAR (MMI)"]
["Year","Superprime and prime plus","Prime","Near-prime","Subprime","Overall"]
[2017,2.1999999999999999E-2,6.8599999999999994E-2,9.6299999999999997E-2,0.11119999999999999,4.6300000000000001E-2]
[2018,2.35E-2,6.9199999999999998E-2,9.2700000000000005E-2,0.10009999999999999,4.5199999999999997E-2]
[2019,2.5000000000000001E-2,7.0499999999999993E-2,9.1999999999999998E-2,9.8699999999999996E-2,4.6100000000000002E-2]
[2020,2.2800000000000001E-2,6.1499999999999999E-2,7.8E-2,8.1299999999999997E-2,4.0500000000000001E-2]
[2021,1.6299999999999999E-2,4.8300000000000003E-2,6.5699999999999995E-2,8.8900000000000007E-2,3.1699999999999999E-2]
[2022,1.8200000000000001E-2,5.28E-2,7.4899999999999994E-2,0.10539999999999999,3.6700000000000003E-2]
[2023,2.2499999999999999E-2,6.5799999999999997E-2,9.2299999999999993E-2,0.1275,4.6399999999999997E-2]
[2024,2.53E-2,7.5499999999999998E-2,0.10150000000000001,0.1414,5.1799999999999999E-2]
[]
["Figure 120"]
["DEFERRED INTEREST PROMOTION SPENDING AND DEFERRED INTEREST CHARGED AS A PERCENT OF TOTAL BY CONSUMER CREDIT SCORE, 2021–2024 (MMI)"]
[null,"Deep subprime","Subprime","Near-prime","Prime","Prime plus","Superprime"]
["Share of DI spending",1.8200000000000001E-2,2.9600000000000001E-2,8.5999999999999993E-2,0.23019999999999999,0.38240000000000002,0.248]
["Share of DI charged",8.7499999999999994E-2,8.4699999999999998E-2,0.17549999999999999,0.33929999999999999,0.25390000000000001,5.0900000000000001E-2]
[]
["Figure 121"]
["DI ACCOUNTS RECEIVING ONLY PAPERLESS STATEMENTS (MMI)"]
["Year","Superprime and prime plus","Prime","Near-prime","Subprime","Deep subprime","Overall"]
[2021,0.63829999999999998,0.72230000000000005,0.76029999999999998,0.79249999999999998,0.7954,0.69640000000000002]
[2022,0.64649999999999996,0.71619999999999995,0.75760000000000005,0.79359999999999997,0.85409999999999997,0.70250000000000001]
[2023,0.66459999999999997,0.71630000000000005,0.74980000000000002,0.76580000000000004,0.79339999999999999,0.70420000000000005]
[2024,0.71309999999999996,0.74770000000000003,0.7883,0.81210000000000004,0.84499999999999997,0.74399999999999999]
[]
["Figure 122"]
["QUARTERLY DOLLAR AMOUNT OF BALANCE TRANSFERS, GENERAL PURPOSE (Y-14+)"]
["Quarter","Balance transfer dollar amount"]
["2015Q1",8592000000]
["2015Q2",9089000000]
["2015Q3",10299000000]
["2015Q4",9983000000]
["2016Q1",10048000000]
["2016Q2",10333000000]
["2016Q3",11022000000]
["2016Q4",11620000000]
["2017Q1",11757000000]
["2017Q2",12094000000]
["2017Q3",13392000000]
["2017Q4",12529000000]
["2018Q1",13308000000]
["2018Q2",12156000000]
["2018Q3",12553000000]
["2018Q4",12596000000]
["2019Q1",12935000000]
["2019Q2",13245000000]
["2019Q3",14629000000]
["2019Q4",14570000000]
["2020Q1",14507000000]
["2020Q2",9202000000]
["2020Q3",5153000000]
["2020Q4",6641000000]
["2021Q1",8563000000]
["2021Q2",9774000000]
["2021Q3",11415000000]
["2021Q4",11020000000]
["2022Q1",11301000000]
["2022Q2",12756000000]
["2022Q3",14674000000]
["2022Q4",14205000000]
["2023Q1",14256000000]
["2023Q2",14318000000]
["2023Q3",15736000000]
["2023Q4",15532000000]
["2024Q1",15035000000]
["2024Q2",15222000000]
["2024Q3",15143000000]
["2024Q4",14102000000]
[]
["Figure 123"]
["QUARTERLY BALANCE TRANSFER INCIDENCE, GENERAL PURPOSE (Y-14+)"]
["Quarter","Superprime and prime plus","Prime","Near-prime","Subprime","Deep subprime","Overall"]
["2015Q1",9.5999999999999992E-3,1.14E-2,3.5999999999999999E-3,1.4E-3,5.0000000000000001E-4,8.5000000000000006E-3]
["2015Q2",9.2999999999999992E-3,1.1599999999999999E-2,3.7000000000000002E-3,1.5E-3,5.0000000000000001E-4,8.3999999999999995E-3]
["2015Q3",1.01E-2,1.35E-2,4.3E-3,1.5E-3,5.0000000000000001E-4,9.4000000000000004E-3]
["2015Q4",9.2999999999999992E-3,1.2999999999999999E-2,4.1000000000000003E-3,1.5E-3,4.0000000000000002E-4,8.6999999999999994E-3]
["2016Q1",8.8999999999999999E-3,1.26E-2,4.1000000000000003E-3,1.5E-3,4.0000000000000002E-4,8.3999999999999995E-3]
["2016Q2",8.9999999999999993E-3,1.35E-2,4.3E-3,1.5E-3,4.0000000000000002E-4,8.6E-3]
["2016Q3",9.4000000000000004E-3,1.4500000000000001E-2,4.7999999999999996E-3,1.6000000000000001E-3,4.0000000000000002E-4,9.1000000000000004E-3]
["2016Q4",9.4999999999999998E-3,1.4800000000000001E-2,5.1999999999999998E-3,1.6999999999999999E-3,5.0000000000000001E-4,9.2999999999999992E-3]
["2017Q1",9.4999999999999998E-3,1.4500000000000001E-2,4.5999999999999999E-3,1.4E-3,4.0000000000000002E-4,9.1000000000000004E-3]
["2017Q2",9.4999999999999998E-3,1.4500000000000001E-2,4.4000000000000003E-3,1.2999999999999999E-3,2.9999999999999997E-4,9.1000000000000004E-3]
["2017Q3",1.04E-2,1.5900000000000001E-2,4.7999999999999996E-3,1.2999999999999999E-3,2.9999999999999997E-4,9.9000000000000008E-3]
["2017Q4",9.5999999999999992E-3,1.43E-2,4.1000000000000003E-3,1.1999999999999999E-3,2.9999999999999997E-4,8.9999999999999993E-3]
["2018Q1",9.7000000000000003E-3,1.3899999999999999E-2,3.8E-3,1.1999999999999999E-3,2.9999999999999997E-4,8.9999999999999993E-3]
["2018Q2",8.6999999999999994E-3,1.2E-2,3.2000000000000002E-3,1E-3,2.9999999999999997E-4,8.0000000000000002E-3]
["2018Q3",8.9999999999999993E-3,1.24E-2,3.5000000000000001E-3,1.1999999999999999E-3,2.9999999999999997E-4,8.3000000000000001E-3]
["2018Q4",8.8000000000000005E-3,1.2200000000000001E-2,3.3999999999999998E-3,1E-3,2.0000000000000001E-4,8.0999999999999996E-3]
["2019Q1",9.4999999999999998E-3,1.2699999999999999E-2,3.3999999999999998E-3,8.9999999999999998E-4,2.0000000000000001E-4,8.5000000000000006E-3]
["2019Q2",9.4999999999999998E-3,1.21E-2,3.0000000000000001E-3,8.9999999999999998E-4,2.0000000000000001E-4,8.3999999999999995E-3]
["2019Q3",1.04E-2,1.34E-2,3.2000000000000002E-3,8.9999999999999998E-4,2.0000000000000001E-4,9.2999999999999992E-3]
["2019Q4",1.03E-2,1.32E-2,3.0999999999999999E-3,8.9999999999999998E-4,2.0000000000000001E-4,9.1000000000000004E-3]
["2020Q1",9.9000000000000008E-3,1.2699999999999999E-2,3.0000000000000001E-3,8.9999999999999998E-4,2.0000000000000001E-4,8.6999999999999994E-3]
["2020Q2",6.1000000000000004E-3,7.4999999999999997E-3,1.8E-3,5.9999999999999995E-4,2.0000000000000001E-4,5.4000000000000003E-3]
["2020Q3",3.8999999999999998E-3,3.5999999999999999E-3,8.9999999999999998E-4,2.9999999999999997E-4,1E-4,3.2000000000000002E-3]
["2020Q4",5.1000000000000004E-3,3.8999999999999998E-3,8.9999999999999998E-4,2.9999999999999997E-4,1E-4,4.1000000000000003E-3]
["2021Q1",6.1000000000000004E-3,4.4999999999999997E-3,8.0000000000000004E-4,2.0000000000000001E-4,1E-4,4.7999999999999996E-3]
["2021Q2",6.4999999999999997E-3,5.7999999999999996E-3,1E-3,2.0000000000000001E-4,1E-4,5.4000000000000003E-3]
["2021Q3",7.4999999999999997E-3,8.3000000000000001E-3,1.6000000000000001E-3,4.0000000000000002E-4,1E-4,6.4999999999999997E-3]
["2021Q4",7.3000000000000001E-3,8.3000000000000001E-3,1.6999999999999999E-3,4.0000000000000002E-4,1E-4,6.3E-3]
["2022Q1",7.1999999999999998E-3,8.5000000000000006E-3,1.6999999999999999E-3,4.0000000000000002E-4,1E-4,6.3E-3]
["2022Q2",7.7999999999999996E-3,9.1000000000000004E-3,1.9E-3,4.0000000000000002E-4,1E-4,6.7999999999999996E-3]
["2022Q3",8.8999999999999999E-3,1.0800000000000001E-2,2.5000000000000001E-3,5.9999999999999995E-4,1E-4,7.7999999999999996E-3]
["2022Q4",8.3999999999999995E-3,1.0200000000000001E-2,2.2000000000000001E-3,5.9999999999999995E-4,2.0000000000000001E-4,7.3000000000000001E-3]
["2023Q1",8.2000000000000007E-3,9.7000000000000003E-3,1.8E-3,5.0000000000000001E-4,1E-4,6.8999999999999999E-3]
["2023Q2",8.0000000000000002E-3,8.8999999999999999E-3,1.6000000000000001E-3,4.0000000000000002E-4,1E-4,6.7000000000000002E-3]
["2023Q3",8.8000000000000005E-3,9.7999999999999997E-3,1.8E-3,4.0000000000000002E-4,1E-4,7.3000000000000001E-3]
["2023Q4",8.6E-3,8.9999999999999993E-3,1.6999999999999999E-3,4.0000000000000002E-4,1E-4,7.0000000000000001E-3]
["2024Q1",8.2000000000000007E-3,8.0000000000000002E-3,1.4E-3,2.9999999999999997E-4,1E-4,6.4999999999999997E-3]
["2024Q2",8.0000000000000002E-3,7.6E-3,1.2999999999999999E-3,2.9999999999999997E-4,1E-4,6.4000000000000003E-3]
["2024Q3",8.0000000000000002E-3,7.4000000000000003E-3,1.2999999999999999E-3,2.9999999999999997E-4,1E-4,6.4000000000000003E-3]
["2024Q4",7.3000000000000001E-3,6.4000000000000003E-3,1.1000000000000001E-3,2.9999999999999997E-4,1E-4,5.7999999999999996E-3]
[]
["Figure 124"]
["QUARTERLY DOLLAR AMOUNT OF CASH ADVANCE TRANSACTIONS, GENERAL PURPOSE (Y-14+)"]
["Quarter","Cash advance dollar amount"]
["2015Q1",3093000000]
["2015Q2",3340000000]
["2015Q3",3515000000]
["2015Q4",3401000000]
["2016Q1",3280000000]
["2016Q2",3472000000]
["2016Q3",3570000000]
["2016Q4",3290000000]
["2017Q1",3092000000]
["2017Q2",3282000000]
["2017Q3",3459000000]
["2017Q4",3343000000]
["2018Q1",3267000000]
["2018Q2",3333000000]
["2018Q3",3576000000]
["2018Q4",3461000000]
["2019Q1",3285000000]
["2019Q2",3479000000]
["2019Q3",3544000000]
["2019Q4",3446000000]
["2020Q1",3318000000]
["2020Q2",1584000000]
["2020Q3",2543000000]
["2020Q4",2506000000]
["2021Q1",2435000000]
["2021Q2",2794000000]
["2021Q3",3086000000]
["2021Q4",3175000000]
["2022Q1",3067000000]
["2022Q2",3329000000]
["2022Q3",3619000000]
["2022Q4",3561000000]
["2023Q1",3491000000]
["2023Q2",3662000000]
["2023Q3",3804000000]
["2023Q4",3687000000]
["2024Q1",3592000000]
["2024Q2",3737000000]
["2024Q3",3827000000]
["2024Q4",3957000000]
[]
["Figure 125"]
["QUARTERLY CASH ADVANCE INCIDENCE, GENERAL PURPOSE (Y-14+)"]
["Quarter","Superprime and prime plus","Prime","Near-prime","Subprime","Deep subprime","Overall"]
["2015Q1",1.9900000000000001E-2,4.7699999999999999E-2,6.3700000000000007E-2,6.9500000000000006E-2,6.6500000000000004E-2,3.4500000000000003E-2]
["2015Q2",1.95E-2,4.8899999999999999E-2,6.8699999999999997E-2,7.6899999999999996E-2,7.1999999999999995E-2,3.5200000000000002E-2]
["2015Q3",1.9300000000000001E-2,5.1200000000000002E-2,7.1999999999999995E-2,7.9000000000000001E-2,7.0300000000000001E-2,3.5900000000000001E-2]
["2015Q4",1.78E-2,4.8500000000000001E-2,6.8199999999999997E-2,7.5399999999999995E-2,6.7100000000000007E-2,3.3700000000000001E-2]
["2016Q1",1.6299999999999999E-2,4.4600000000000001E-2,6.2600000000000003E-2,6.9800000000000001E-2,6.3899999999999998E-2,3.1099999999999999E-2]
["2016Q2",1.67E-2,4.6100000000000002E-2,6.6799999999999998E-2,7.5999999999999998E-2,7.1300000000000002E-2,3.2599999999999997E-2]
["2016Q3",1.7000000000000001E-2,4.7899999999999998E-2,6.8000000000000005E-2,7.4999999999999997E-2,6.8199999999999997E-2,3.32E-2]
["2016Q4",1.54E-2,4.3799999999999999E-2,6.0100000000000001E-2,6.6199999999999995E-2,6.0299999999999999E-2,2.9899999999999999E-2]
["2017Q1",1.4200000000000001E-2,3.9600000000000003E-2,5.2999999999999999E-2,5.8400000000000001E-2,5.4399999999999997E-2,2.7199999999999998E-2]
["2017Q2",1.47E-2,4.0899999999999999E-2,5.5E-2,6.13E-2,5.8999999999999997E-2,2.81E-2]
["2017Q3",1.54E-2,4.2999999999999997E-2,5.6399999999999999E-2,6.1600000000000002E-2,5.74E-2,2.9100000000000001E-2]
["2017Q4",1.47E-2,4.0599999999999997E-2,5.1999999999999998E-2,5.62E-2,5.16E-2,2.7099999999999999E-2]
["2018Q1",1.41E-2,3.7499999999999999E-2,4.7100000000000003E-2,5.1200000000000002E-2,4.7600000000000003E-2,2.53E-2]
["2018Q2",1.41E-2,3.7499999999999999E-2,4.7899999999999998E-2,5.2499999999999998E-2,5.0299999999999997E-2,2.53E-2]
["2018Q3",1.49E-2,0.04,5.0599999999999999E-2,5.4300000000000001E-2,4.9700000000000001E-2,2.6599999999999999E-2]
["2018Q4",1.41E-2,3.9199999999999999E-2,4.8300000000000003E-2,5.11E-2,4.6100000000000002E-2,2.5399999999999999E-2]
["2019Q1",1.37E-2,3.6900000000000002E-2,4.41E-2,4.5999999999999999E-2,4.2500000000000003E-2,2.4199999999999999E-2]
["2019Q2",1.44E-2,3.78E-2,4.5999999999999999E-2,4.9299999999999997E-2,4.6800000000000001E-2,2.52E-2]
["2019Q3",1.47E-2,3.9199999999999999E-2,4.6699999999999998E-2,4.9299999999999997E-2,4.4900000000000002E-2,2.5499999999999998E-2]
["2019Q4",1.4200000000000001E-2,3.8300000000000001E-2,4.6300000000000001E-2,4.8800000000000003E-2,4.36E-2,2.5000000000000001E-2]
["2020Q1",1.35E-2,3.5700000000000003E-2,4.2599999999999999E-2,4.4900000000000002E-2,4.0300000000000002E-2,2.35E-2]
["2020Q2",8.2000000000000007E-3,1.9099999999999999E-2,2.3699999999999999E-2,2.6800000000000001E-2,2.7799999999999998E-2,1.3599999999999999E-2]
["2020Q3",1.1599999999999999E-2,2.69E-2,3.2599999999999997E-2,3.5000000000000003E-2,3.5799999999999998E-2,1.84E-2]
["2020Q4",1.2E-2,2.86E-2,3.4700000000000002E-2,3.7100000000000001E-2,3.6499999999999998E-2,1.9199999999999998E-2]
["2021Q1",1.11E-2,2.5700000000000001E-2,3.15E-2,3.4500000000000003E-2,3.4200000000000001E-2,1.7600000000000001E-2]
["2021Q2",1.1900000000000001E-2,2.7199999999999998E-2,3.4700000000000002E-2,3.9600000000000003E-2,4.0399999999999998E-2,1.9E-2]
["2021Q3",1.2800000000000001E-2,3.1099999999999999E-2,3.9300000000000002E-2,4.36E-2,4.2200000000000001E-2,2.1100000000000001E-2]
["2021Q4",1.3100000000000001E-2,3.15E-2,3.9100000000000003E-2,4.2200000000000001E-2,3.8800000000000001E-2,2.1299999999999999E-2]
["2022Q1",1.2200000000000001E-2,2.9100000000000001E-2,3.5900000000000001E-2,3.8199999999999998E-2,3.4299999999999997E-2,1.9800000000000002E-2]
["2022Q2",1.29E-2,3.04E-2,3.6799999999999999E-2,3.8600000000000002E-2,3.49E-2,2.06E-2]
["2022Q3",1.4800000000000001E-2,3.4000000000000002E-2,3.9699999999999999E-2,3.9800000000000002E-2,3.4000000000000002E-2,2.2800000000000001E-2]
["2022Q4",1.54E-2,3.32E-2,3.7699999999999997E-2,3.6600000000000001E-2,3.1199999999999999E-2,2.2599999999999999E-2]
["2023Q1",1.4800000000000001E-2,3.09E-2,3.44E-2,3.3000000000000002E-2,2.9100000000000001E-2,2.1399999999999999E-2]
["2023Q2",1.5100000000000001E-2,3.1600000000000003E-2,3.5400000000000001E-2,3.4299999999999997E-2,3.0800000000000001E-2,2.1899999999999999E-2]
["2023Q3",1.54E-2,3.32E-2,3.6200000000000003E-2,3.4200000000000001E-2,2.9499999999999998E-2,2.24E-2]
["2023Q4",1.52E-2,3.2399999999999998E-2,3.4599999999999999E-2,3.2599999999999997E-2,2.8000000000000001E-2,2.18E-2]
["2024Q1",1.47E-2,3.0099999999999998E-2,3.2099999999999997E-2,3.0700000000000002E-2,2.6599999999999999E-2,2.06E-2]
["2024Q2",1.5100000000000001E-2,3.0499999999999999E-2,3.2599999999999997E-2,3.15E-2,2.8199999999999999E-2,2.1000000000000001E-2]
["2024Q3",1.5100000000000001E-2,3.1199999999999999E-2,3.2899999999999999E-2,3.15E-2,2.7400000000000001E-2,2.12E-2]
["2024Q4",1.5299999999999999E-2,3.0700000000000002E-2,3.2099999999999997E-2,3.0700000000000002E-2,2.64E-2,2.1000000000000001E-2]
[]
["Figure 126"]
["SHARE OF ACTIVE ACCOUNTS ENROLLED IN PAPERLESS STATEMENTS BY CREDIT SCORE (MMI)"]
["Credit score tier","General purpose","Private label"]
["Subprime",0.64090000000000003,0.41496]
["Near-prime",0.68920000000000003,0.55589999999999995]
["Prime",0.74850000000000005,0.61260000000000003]
["Prime plus",0.79759999999999998,0.6512]
["Superprime",0.81769999999999998,0.63880000000000003]
["Overall",0.70530000000000004,0.55930000000000002]
[]
["Figure 127"]
["SHARE OF ACTIVE ACCOUNTS ENROLLED IN ONLINE PORTAL, MOBILE APPS, AND RECEIVING ONLY E-STATEMENTS, GENERAL PURPOSE (MMI)"]
["Year","Online","Mobile","E-statement only"]
[2015,0.7026,0.30409999999999998,0.35709999999999997]
[2016,0.71030000000000004,0.33879999999999999,0.39729999999999999]
[2017,0.73419999999999996,0.5081,0.44829999999999998]
[2018,0.74780000000000002,0.55359999999999998,0.50109999999999999]
[2019,0.77569999999999995,0.58840000000000003,0.54820000000000002]
[2020,0.79790000000000005,0.63,0.56689999999999996]
[2021,0.7611,0.73109999999999997,0.63590000000000002]
[2022,0.75580000000000003,0.76200000000000001,0.67179999999999995]
[2023,0.7339,0.74229999999999996,0.65169999999999995]
[2024,0.72119999999999995,0.75560000000000005,0.66]
[]
["Figure 128"]
["SHARE OF ACTIVE ACCOUNTS ENROLLED IN MOBILE APPS BY AGE, GENERAL PURPOSE (MMI)"]
["Year","Under 25","25 to 65","65+","Overall"]
[2017,0.8216,0.56279999999999997,0.2437,0.5081]
[2018,0.87490000000000001,0.61429999999999996,0.27729999999999999,0.55359999999999998]
[2019,0.90529999999999999,0.65569999999999995,0.29959999999999998,0.58840000000000003]
[2020,0.92649999999999999,0.70220000000000005,0.3382,0.63]
[2021,0.94920000000000004,0.80269999999999997,0.45490000000000003,0.73109999999999997]
[2022,0.95299999999999996,0.82899999999999996,0.49170000000000003,0.76200000000000001]
[2023,0.9516,0.81,0.48070000000000002,0.74229999999999996]
[2024,0.9556,0.81940000000000002,0.50129999999999997,0.75560000000000005]
[]
["Figure 129"]
["SHARE OF ACTIVE ACCOUNTS THAT MADE A PAYMENT IN THE LAST CYCLE OF THE YEAR BY PAYMENT METHOD, GENERAL PURPOSE (MMI)"]
["Year","Automatic","Non-automatic online","Paper"]
[2021,0.18290000000000001,0.59889999999999999,9.01E-2]
[2022,0.20349999999999999,0.60929999999999995,7.4200000000000002E-2]
[2023,0.25140000000000001,0.57169999999999999,6.2E-2]
[2024,0.27489999999999998,0.56840000000000002,5.6099999999999997E-2]
[]
["Figure 130"]
["SHARE OF ACTIVE PAYMENT-MAKING ACCOUNTS THAT MADE AT LEAST ONE AUTOMATIC PAYMENT IN THE LAST CYCLE OF THE YEAR BY AGE, GENERAL PURPOSE (MMI)"]
["Year","Under 25","25 to 65","65+","Overall"]
[2021,0.16220000000000001,0.1946,0.14990000000000001,0.18290000000000001]
[2022,0.18440000000000001,0.21640000000000001,0.16520000000000001,0.20349999999999999]
[2023,0.23949999999999999,0.26519999999999999,0.21010000000000001,0.25140000000000001]
[2024,0.248,0.2923,0.22600000000000001,0.27489999999999998]
[]
["Figure 131"]
["SHARE OF ACTIVE PAYMENT-MAKING ACCOUNTS THAT MADE AT LEAST ONE PAPER PAYMENT IN THE LAST CYCLE OF THE YEAR BY AGE, GENERAL PURPOSE (MMI)"]
["Year","Under 25","25 to 65","65+","Overall"]
[2021,1.12E-2,4.6399999999999997E-2,0.24660000000000001,9.01E-2]
[2022,8.8999999999999999E-3,3.6600000000000001E-2,0.21529999999999999,7.4200000000000002E-2]
[2023,1.2699999999999999E-2,3.1300000000000001E-2,0.16789999999999999,6.2E-2]
[2024,1.0999999999999999E-2,2.9700000000000001E-2,0.15060000000000001,5.6099999999999997E-2]
[]
["Figure 132"]
["QUARTERLY DISPUTE AND CHARGEBACK VOLUME AS A PERCENTAGE OF PURCHASE VOLUME (MMI, Y-14)"]
["Quarter","Disputes","Chargebacks"]
["2019Q1",3.2000000000000002E-3,1.5E-3]
["2019Q2",3.0000000000000001E-3,1.4E-3]
["2019Q3",3.0999999999999999E-3,1.5E-3]
["2019Q4",2.8999999999999998E-3,1.5E-3]
["2020Q1",4.1000000000000003E-3,2.2000000000000001E-3]
["2020Q2",6.6E-3,4.4999999999999997E-3]
["2020Q3",4.3E-3,2.8E-3]
["2020Q4",3.3E-3,2E-3]
["2021Q1",3.5000000000000001E-3,2E-3]
["2021Q2",3.0000000000000001E-3,1.8E-3]
["2021Q3",3.3E-3,2E-3]
["2021Q4",3.2000000000000002E-3,1.9E-3]
["2022Q1",3.7000000000000002E-3,2.2000000000000001E-3]
["2022Q2",3.3E-3,2E-3]
["2022Q3",3.3999999999999998E-3,2E-3]
["2022Q4",3.2000000000000002E-3,1.9E-3]
["2023Q1",4.0000000000000001E-3,2.0999999999999999E-3]
["2023Q2",3.5999999999999999E-3,1.9E-3]
["2023Q3",3.8999999999999998E-3,2.0999999999999999E-3]
["2023Q4",3.5000000000000001E-3,1.9E-3]
["2024Q1",3.5999999999999999E-3,2E-3]
["2024Q2",3.3E-3,1.8E-3]
["2024Q3",3.3999999999999998E-3,1.9E-3]
["2024Q4",3.0000000000000001E-3,1.6000000000000001E-3]
[]
["Figure 133"]
["ANNUAL CHARGEBACK DOLLAR AMOUNT AS A SHARE OF DISPUTED PURCHASE VOLUME, 2024 (MMI)"]
["Credit score tier","General purpose","Private label"]
["Subprime and deep subprime",0.55869999999999997,0.164997]
["Near-prime",0.61050000000000004,0.1991]
["Prime",0.62450000000000006,0.22700000000000001]
["Prime plus",0.64770000000000005,0.24099999999999999]
["Superprime",0.69469999999999998,0.26619999999999999]
["Overall",0.65559999999999996,0.2336]
[]
["Figure 134"]
["AVERAGE CHARGEBACK AMOUNT, 2024 (MMI)"]
["Credit score tier","General purpose","Private label"]
["Subprime and deep subprime",112.78,227.12]
["Near-prime",146.19,245.73]
["Prime",189.1,293.77]
["Prime plus",212.96,307.83999999999997]
["Superprime",203.49799999999999,299.05]
["Overall",196.56,288.14999999999998]
[]
["Figure 135"]
["PERCENT OF TOTAL DISPUTES BY DISPUTE CATEGORY, 2024 (MMI)"]
["Dispute category","General purpose","Private label"]
["Cancelled recurring",0.40100000000000002,0.13880000000000001]
["Service not received",0.20549999999999999,0.26719999999999999]
["Cancelled/credit not issued",0.18459999999999999,0.27879999999999999]
["Incorrect billing",0.10580000000000001,0.1948]
["Other/not recognized",0.1031,0.12039999999999999]
[]
["Figure 136"]
["SHARE OF ACTIVE ACCOUNTS OPTED OUT OF INFORMATION SHARING BY AGE, GENERAL PURPOSE, 2024 (MMI)"]
["Age group","Share"]
["Under 25",0.14330000000000001]
["25 - 64",0.2132]
["65+",0.26929999999999998]
["Overall",0.22189999999999999]

{"sheet":"Appendix A - Supporting figures","index":8,"n_rows":138,"n_cols":3,"rows_kept":138,"cut":false,"hidden":false,"merged":[]}
["Appendix A - Supporting figures"]
[]
[]
["Figure 137"]
["MONTHLY CYCLE-ENDING BALANCES, NOMINAL AND INFLATION-ADJUSTED (CCIP, BLS)"]
["Date","CCIP credit card balances (nominal)","CCIP credit card balances (real)"]
["2014-01-29",724479000000,977485000000]
["2014-02-26",708575000000,952504000000]
["2014-03-29",695817000000,929369000000]
["2014-04-30",700319000000,932308000000]
["2014-05-31",706351000000,937065000000]
["2014-06-28",711326000000,941912000000]
["2014-07-30",715357000000,947619000000]
["2014-08-30",722628000000,958853000000]
["2014-09-27",724088000000,960067000000]
["2014-10-29",723359000000,961516000000]
["2014-11-29",727213000000,971887000000]
["2014-12-31",750538000000,1008780000000]
["2015-01-31",751684000000,1015097000000]
["2015-02-28",734326000000,987367000000]
["2015-03-28",721865000000,964871000000]
["2015-04-29",725766000000,968117000000]
["2015-05-30",731195000000,970412000000]
["2015-06-27",737898000000,975889000000]
["2015-07-29",742722000000,982204000000]
["2015-08-29",749554000000,992644000000]
["2015-09-30",753674000000,999656000000]
["2015-10-31",753267000000,999566000000]
["2015-11-28",757189000000,1006896000000]
["2015-12-30",782558000000,1044199000000]
["2016-01-30",785106000000,1045870000000]
["2016-02-27",769792000000,1024627000000]
["2016-03-30",758797000000,1005662000000]
["2016-04-30",763576000000,1007219000000]
["2016-05-28",768207000000,1009245000000]
["2016-06-29",778767000000,1019770000000]
["2016-07-30",777299000000,1019497000000]
["2016-08-31",784724000000,1028290000000]
["2016-09-28",795717000000,1040195000000]
["2016-10-29",798153000000,1042080000000]
["2016-11-30",804862000000,1052477000000]
["2016-12-31",835194000000,1091783000000]
["2017-01-28",836898000000,1087672000000]
["2017-02-25",821577000000,1064411000000]
["2017-03-29",808976000000,1047234000000]
["2017-04-29",815447000000,1052490000000]
["2017-05-31",819171000000,1056394000000]
["2017-06-28",829705000000,1069008000000]
["2017-07-29",830285000000,1070494000000]
["2017-08-30",838163000000,1077426000000]
["2017-09-30",845351000000,1080942000000]
["2017-10-28",844440000000,1080460000000]
["2017-11-29",852227000000,1090397000000]
["2017-12-30",881536000000,1128561000000]
["2018-01-31",881654000000,1122595000000]
["2018-02-28",868005000000,1100227000000]
["2018-03-31",852751000000,1078454000000]
["2018-04-28",856176000000,1078498000000]
["2018-05-30",861630000000,1080873000000]
["2018-06-30",872716000000,1093038000000]
["2018-07-28",874895000000,1095693000000]
["2018-08-29",882524000000,1104634000000]
["2018-09-29",889075000000,1111541000000]
["2018-10-31",887574000000,1107709000000]
["2018-11-28",897496000000,1123855000000]
["2018-12-29",927053000000,1164587000000]
["2019-01-30",922919000000,1157187000000]
["2019-02-27",910479000000,1136784000000]
["2019-03-30",895282000000,1111539000000]
["2019-04-27",901159000000,1112943000000]
["2019-05-29",907114000000,1117918000000]
["2019-06-29",919913000000,1133465000000]
["2019-07-31",922076000000,1134235000000]
["2019-08-31",933087000000,1147838000000]
["2019-09-28",936431000000,1151049000000]
["2019-10-30",938787000000,1151314000000]
["2019-11-30",946634000000,1161559000000]
["2019-12-28",975156000000,1197647000000]
["2020-01-29",975814000000,1193824000000]
["2020-02-29",961472000000,1173062000000]
["2020-03-28",945184000000,1155705000000]
["2020-04-29",905502000000,1114638000000]
["2020-05-30",873961000000,1075792000000]
["2020-06-27",869015000000,1063881000000]
["2020-07-29",867281000000,1056415000000]
["2020-08-29",863268000000,1048221000000]
["2020-09-30",859802000000,1042562000000]
["2020-10-31",854856000000,1036134000000]
["2020-11-28",856679000000,1038978000000]
["2020-12-30",878122000000,1063982000000]
["2021-01-30",858395000000,1035675000000]
["2021-02-27",836683000000,1003982000000]
["2021-03-31",822562000000,980095000000]
["2021-04-28",821526000000,970882000000]
["2021-05-29",826844000000,969394000000]
["2021-06-30",840422000000,976243000000]
["2021-07-31",850067000000,982719000000]
["2021-08-28",856628000000,988262000000]
["2021-09-29",859009000000,988325000000]
["2021-10-30",867066000000,989376000000]
["2021-11-27",879539000000,998700000000]
["2021-12-29",915198000000,1036008000000]
["2022-01-29",908466000000,1019806000000]
["2022-02-26",895760000000,996442000000]
["2022-03-30",896084000000,983668000000]
["2022-04-30",913892000000,997647000000]
["2022-05-28",923796000000,997463000000]
["2022-06-29",946215000000,1007827000000]
["2022-07-30",963050000000,1025879000000]
["2022-08-31",977514000000,1041656000000]
["2022-09-28",990054000000,1052754000000]
["2022-10-29",1002000000000,1060640000000]
["2022-11-30",1016000000000,1076761000000]
["2022-12-31",1058000000000,1125440000000]
["2023-01-28",1059000000000,1116958000000]
["2023-02-25",1048000000000,1099726000000]
["2023-03-29",1042000000000,1089429000000]
["2023-04-29",1058000000000,1100969000000]
["2023-05-31",1067000000000,1107626000000]
["2023-06-28",1086000000000,1123371000000]
["2023-07-29",1099000000000,1135013000000]
["2023-08-30",1111000000000,1141905000000]
["2023-09-30",1122000000000,1150175000000]
["2023-10-28",1127000000000,1156135000000]
["2023-11-29",1140000000000,1172248000000]
["2023-12-30",1179000000000,1212795000000]
["2024-01-31",1172000000000,1199195000000]
["2024-02-28",1163000000000,1182682000000]
["2024-03-30",1154000000000,1166293000000]
["2024-04-27",1160000000000,1168113000000]
["2024-05-29",1168000000000,1173816000000]
["2024-06-29",1184000000000,1189296000000]
["2024-07-31",1189000000000,1192780000000]
["2024-08-31",1201000000000,1204169000000]
["2024-09-28",1203000000000,1203873000000]
["2024-10-30",1205000000000,1205059000000]
["2024-11-30",1213000000000,1213096000000]
["2024-12-28",1244000000000,1244334000000]