State of Credit Card Report

The economy is heading into the new year on solid footing and the credit environment is showing early signs of stabilizing after two years of rising delinquency, tighter lending standards, and slowing credit growth. In the Q4 Lending Conditions Chartbook, Chief Economist Joseph Mayans breaks down key economic trends and dives deep into the latest developments in credit conditions across products and regions. 

Explore state-level and industry level data that banks, credit unions and fintechs can leverage to track the downturn and be correctly positioned for the recovery in this monthly report.

As published on the Business Information blog, Experian's latest Commercial Pulse Report highlights how risk profiles vary significantly by industry and business age.

🔹 New businesses in sectors like Construction and Food Services face higher delinquency rates, signaling elevated credit risks.
🔹 Meanwhile, industries like Retail and Healthcare maintain stable performance, regardless of business maturity—offering balanced opportunities for lenders.

Understanding these dynamics is critical for tailoring lending strategies, mitigating risk, and supporting business growth across industries.

Check out the full report to see how these trends could impact your strategy!

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With behavioral analytics, Grasshopper Bank supercharges their team’s efficiency through improved top-of-funnel fraud detection and better-informed resource allocation.

Key Results:

• More accurate rejection at top-of-funnel onboarding, drastically reducing manual review costs and API calls
• Streamlined client onboarding through advanced fraud detection tools
• Refined cost-awareness, informing operational spending for the acquisition team as well as fraud team