TSLA372.780-3.24%
GM76.620-2.32%
F12.265-0.135%
RIVN16.060-0.085%
CYD40.160-0.61%
HMC24.005-0.195%
TM191.310-1.67%
CVNA396.810-9.61%
PAG171.67510.125%
LAD290.80013.56%
AN205.7204.75%
GPI349.4104.71%
ABG201.2600.7%
SAH73.2600.87%
TSLA372.780-3.24%
GM76.620-2.32%
F12.265-0.135%
RIVN16.060-0.085%
CYD40.160-0.61%
HMC24.005-0.195%
TM191.310-1.67%
CVNA396.810-9.61%
PAG171.67510.125%
LAD290.80013.56%
AN205.7204.75%
GPI349.4104.71%
ABG201.2600.7%
SAH73.2600.87%
TSLA372.780-3.24%
GM76.620-2.32%
F12.265-0.135%
RIVN16.060-0.085%
CYD40.160-0.61%
HMC24.005-0.195%
TM191.310-1.67%
CVNA396.810-9.61%
PAG171.67510.125%
LAD290.80013.56%
AN205.7204.75%
GPI349.4104.71%
ABG201.2600.7%
SAH73.2600.87%

TransUnion forecasts moderate credit card growth and steady delinquency rates in 2026

The 2026 projections marks the slowest annual increase in more than a decade outside the pandemic.
TransUnion projects slow credit card growth and stable delinquency rates in 2026, reflecting cautious consumer spending and resilient credit behavior.

On the Dash:

  • Credit card balances are projected to grow 2.3% in 2026.
  • Credit card delinquencies are expected to remain stable at 2.57%.
  • Delinquencies for auto, mortgage, and personal loans are forecast to rise slightly.

TransUnion expects credit card balances to rise 2.3% year over year in 2026, marking the slowest annual increase in more than a decade outside the pandemic. Balances are projected to reach $1.18 trillion by the end of next year, up from $1.16 trillion in 2025. The outlook reflects cautious consumer spending, persistent economic uncertainty, and tighter underwriting by lenders.

Despite rising prices and fluctuating interest rates, serious credit card delinquencies are projected to remain stable, with the share of consumers 90 or more days past due expected to edge up only one basis point to 2.57%. TransUnion notes that this stability is due to disciplined credit management by households and conservative lending strategies. Analysts see the modest growth and steady delinquencies as indicators of resilient consumer credit behavior.

Sign up for CBT News’ daily newsletter and get the latest industry stories delivered straight to your inbox.

After several years of elevated growth, credit card balances climbed 18.5% in 2022 and 12.6% in 2023 before slowing to mid-single-digit gains. Lenders are cautiously expanding access for riskier segments while prioritizing account management to limit losses. Inflation is expected to settle near 2.45%, and unemployment could rise slightly to 4.5% by late 2026, which may strain some household budgets even as anticipated Federal Reserve rate cuts ease borrowing costs.

Delinquencies across other credit products are expected to increase only slightly. Auto loans 60 or more days past due are forecast at 1.54%, continuing a gradual five-year rise. Mortgage delinquencies are projected to climb to 1.65%, influenced partly by higher unemployment. Unsecured personal loan delinquencies are expected to reach 3.75% next year.

Delinquency growth remains measured and consumers appear to be managing finances reasonably well, but TransUnion will continue monitoring trends for signs of broader improvement.

Read More
More from Data & Analytics
GM tops Q1 expectations,

GM tops Q1 expectations, raises outlook on tariff refund boost

- April 28, 2026
On the Dash: GM beat Q1 earnings expectations and raised full-year guidance by $500 million on anticipated tariff refunds North America margins improved despite lower sales, driven by pricing strength...
Record-low used inventory collides with rising March sales pace

Record-low used inventory collides with rising March sales pace

- April 20, 2026
On the Dash: Tight inventory and falling days’ supply will continue to pressure sourcing and reconditioning strategies. Strong seasonal demand reinforces the importance of pricing discipline and inventory turn. Limited...
March sales surge tightens inventory, affordability gaps persist

March sales surge tightens inventory, affordability gaps persist

- April 17, 2026
On the Dash: Faster March sales improved inventory flow, but demand remains uneven heading into Q2. Limited sub-$40K inventory continues to constrain volume opportunities. Rising incentives indicate growing pressure to...
Independent shops are gaining ground, but dealerships retain advantages in expertise, loyalty, and digital tools: New CDK Service Shopper 5.0 survey shows

Independent shops gain ground as dealerships face mounting pressure

- April 17, 2026
On the dash: Independent shops are gaining share, but dealerships still lead at 42% overall service volume. Dealerships win on expertise, OEM parts access, EV repairs, and stronger customer loyalty...
CBT News
Privacy Overview

This website uses cookies so that we can provide you with the best user experience possible. Cookie information is stored in your browser and performs functions such as recognising you when you return to our website and helping our team to understand which sections of the website you find most interesting and useful.