Consumer credit bears watching — debt loads are creeping up.

Credit-Card Delinquency Rate

Card delinq.: 2.92% — Credit-card delinquencies are at 2.9%, creeping up off their lows.

Consumer-Loan Delinquency Rate

Loan delinq.: 2.64% — Consumer-loan delinquencies are at 2.6%, creeping up off their lows.

Card Balances · year-over-year

Card balances: 3.81% — Card balances are growing 3.8% a year — a sustainable pace.

Household Debt Service · % of income

Debt service: 11.32% — Debt payments take 11.3% of household income — above the comfortable range.