source pdf: https://www.newyorkfed.org/medialibrary/interactives/householdcredit/data/pdf/HHDC_2023Q3
it's % of the balance, not absolute terms. and that's all debts, not just credit cards. total debt is up (again, not inflation adjusted) (note that 18-29 year olds don't have that much debt, so despite having the highest delinquency rates in almost every category it doesn't add up to much):
mortgage debt is the biggest chunk of debt for every age group, with auto loans looking like they're second for those over 40, student loans second for those below. people are relatively on time with their mortgage and student loan payments which is why the percent balance 90 days late is low.
% of balance in serious delinquency for mortgages is coming up off the floor but is still lower than it was in the before times.
student loan serious delinquencies are basically 0 right now due to the pause, but had been running ~10% of balance (it was the one loan type where 18-29 was actually the least delinquent)
auto loan delinquencies are not good for the under 40 crowd, about average for the over 40 crowd.
foreclosures and bankruptcies are also running about half of what they were in the before times.
mortgage delinquencies going above ~1.5%, maybe 1.75% is when i'd start being concerned.