The credit bureau’s figures are based on accounts that are 90 days or more overdue. The credit card delinquency rate remains more than a full percentage point below its peak in Q4 2009 though (2.97%). 2. The Federal Reserve Bank of New York measures credit card delinquencies based on the percent of balances that are at least 90 days late. Delinquencies and Delinquency Rates. Categories > Money, Banking, & Finance > Banking. Banking Delinquency Rate on Credit Card Loans, Banks Not Among the 100 Largest in Size (By Assets) Percent, Quarterly. Federal Reserve Bank of St. Louis, One Federal Reserve Bank Plaza, St. Louis, MO 63102 The October 2019 SCE Credit Access Survey shows that the application rate for credit cards remained stable at 27.5 percent, on average, in 2019 compared to last year. The application rate for auto loans declined to 12.6 percent, on average, in 2019— a decline of 2.9 percentage points from 2018.