消费者信用卡逾期率现状(截至2025年第三季度数据) 当前状况: 1️⃣根据美联储的数据,2025年第三季度所有商业银行的信用卡贷款逾期率(逾期至少30天)为2.98%。这远高于疫情期间的低点1.53%(2021年7月),并接近大衰退后的水平。 2️⃣严重逾期(逾期90天以上):2025年第三季度,逾期90天以上的信用卡余额占未偿余额的比例为12.27%。 3️⃣压力点:这一增长是由更高的债务余额(未偿债务总额达1.23万亿美元)和高利率共同推动的,给家庭预算带来了巨大压力,尤其是对次级借款人而言。
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