Credit card metrics › About this data
Credit card metrics
Monthly credit card performance as issuers and card trusts report it to the SEC: the annualized net charge-off rate, the share of loans 30 or more days late (90 or more where given) and loans at month end. For the card trusts it adds portfolio yield, excess spread and the monthly payment rate. Capital One (domestic card and auto), Synchrony, American Express (consumer and small business), Bread Financial and Discover are issuer-wide series; seven trusts (Chase, Citibank, BA, Capital One, American Express, Synchrony, Barclays Dryrock) are securitized card pools.
- Where it comes from
Each issuer furnishes its monthly credit metrics on Form 8-K (Item 7.01), and each card trust files a monthly Form 10-D, both with the SEC. They are public US records. We are not affiliated with any issuer or with the SEC.
Official sources
- How often we update it
- Every business day we check the issuers' filing lists; the reports come around the 15th of the month after the month they cover
- Last updated
- (2 days ago)
- Coverage
- From January 2019 (earlier for some issuers is not stored), or from the first report each source gives. Discover's series ends with April 2025, when Capital One acquired it; Capital One's figures include Discover from June 2025. Seven card trusts; Wells Fargo, Citi's and others' whole card books are not reported monthly and are not included.
- Worth knowing
- Each issuer and trust defines its terms its own way (for example Synchrony reports its whole loan book, American Express counts principal only, and some trusts report yield before losses and some after). A securitized card pool is only part of the issuer's loans, so it is kept apart and its rates are not the issuer's. Percentages are shown as reported, not recalculated.
See the Credit card metrics page · Use this data in your AI or app (how connecting works) · Information, not investment advice (disclaimer).