Free Bank Data / card charge-offs

Card charge-offs since 1985

Quarterly industry credit-card charge-off rate, all US banks; shaded bands are NBER recessions. Select an issuer to overlay its card net charge-off rate from call reports.

Issuer NCO computed on average card balances, annualized; issuer history shown where filed.
Card charge-off rate, all US banks (%)

Card balances by issuer, 1999–present

Credit card loans on bank balance sheets, quarterly, top seven issuers and all others.

Bank-subsidiary level, as filed. Securitized off-balance-sheet card receivables aren't included, which understates some issuers pre-2010 (FAS 166/167 brought them on-balance-sheet).