Research contextSee what supports this page, how current it is, and where comparable or historical context is available.
- Research date
- Sep 20, 2026Use the dated article and cited sources for the definition, examples, and stated limitations.
- Operating-model context
- 12 connected conceptsPart of the reviewed Consumer Credit Card Operating Model; issuer definitions remain distinct where disclosed.
- Company examples
- 2 reviewed companiesRelationships reflect supported examples, not a normalized cross-company KPI ranking.
Consumer credit 30-day delinquency rate measures balances at least 30 days past due relative to a period-end loan or receivable denominator under the issuer's definition.
It is an early-stage credit-stress measure, not a realized loss rate.
Synchrony reported 30+ day past due balances equal to 4.16% of period-end loan receivables in the second quarter of 2026.
Capital One reported a 3.37% Domestic Card 30+ day delinquency rate in the same quarter.
Definitions can differ on performing versus total delinquent balances, acquired portfolios, and statement-cycle timing.
Primary-source examples
Consumer credit 30-day delinquency rate is most useful as an early credit-quality measure. Read it with charge-offs, reserve coverage, receivable growth, and underwriting mix.
Part of the Consumer Credit Card Operating Model
Connect purchase volume, account activity, receivable scale, payment behavior, receivable yield, revenue margin, retailer-sharing economics, delinquency, charge-offs, and allowance coverage to understand consumer-card growth, monetization, and credit quality.
How the model fits together
- Customer activity and receivable growth: Purchase volume shows spending activity, active accounts show the engaged account base, and period-end loan receivables show balances carried on the platform. Issuer definitions differ across general-purpose and private-label portfolios, so the measures provide operating context rather than a standardized cross-company formula.
- Credit quality and reserve intensity: The 30-day delinquency rate shows early-stage payment stress, the net charge-off rate shows realized credit losses relative to average receivables or loans, and the allowance coverage ratio shows the loss allowance relative to period-end balances. Portfolio scope and denominator definitions should be preserved when comparing issuers.
- Yield, payment behavior, and program economics: Average loan receivables provide the period denominator behind yield and loss analysis. Loan-receivables yield and interest-and-fee income show monetization, payment rate shows how quickly customers pay balances down, retailer-share arrangements capture Synchrony's partner-sharing economics, and total net revenue margin captures Capital One's credit-card revenue yield after funding effects. These issuer-specific measures should not be treated as interchangeable formulas.
See It in Company Research
These companies are examples of how the concept is reported or discussed in public filings. Definitions can differ by issuer; these links open company research rather than a normalized metric comparison.
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