Q1 2026 Credit Card Charge-Offs Ease

Joel Rosenthal, VP Credit Collections Business Development & Client Relations
ProVest

Newly released Q1 2026 data indicates consumer credit conditions may be beginning to normalize, with both credit card charge-offs and delinquency rates moving lower.

Charge-Off Rate on Credit Card Loans

New data from the Federal Reserve shows credit card charge-offs decreased from 4.02% to 3.67% following roughly six months of stabilization.

Delinquency Data — The Early Indicator

Credit card delinquency rates, often viewed as the earliest indicator for upcoming charge-off activity, also declined modestly from 2.83% to 2.80%. Over the past 18 months, delinquency data has shown a gradual downward trend although rates remain above pre-pandemic levels.

Broader Consumer Credit Conditions Stabilize 

Across all major consumer credit categories, the share of household debt at least 30 days past due remained steady at 4.8% in Q1 2026. This marks a stabilization point following six consecutive quarters of rising delinquency levels.

By: Joel Rosenthal | ProVest
VP Credit Collections Business Development & Client Relations
Joel.Rosenthal@provest.us | (561) 312-7602

About ProVest
ProVest plays a critical role in the legal process by ensuring that defendants in a legal action have been properly served. The company specializes in managing service of process related to creditors’ rights and mortgage defaults, serving millions of documents annually for leading law firms, financial institutions, and insurers. Learn more at www.provest.com.