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Federal Reserve Bank of New York's Q2 2026 Quarterly Report on Household Debt and Credit reveals a bifurcated consumer landscape with critical implications for cross-border e-commerce sellers. **U.S. credit card debt reached $1.26 trillion in Q2 2026, increasing $21 billion and approaching the all-time record of $1.28 trillion set in Q4 2025.** More critically, the delinquency rate for credit card balances 90+ days overdue surged to 12.8% in early 2026 from 7.6% in mid-2022—a 68% increase in serious payment failures. Simultaneously, mortgage delinquencies hit decade-high levels (worst since 2015), while auto loan delinquencies reached their highest point in 16 years, with serious delinquencies (90+ days overdue) at unprecedented levels. Total U.S. household debt stands at $18.8 trillion across mortgages ($13.12T), auto loans ($1.71T—a new record), student debt ($1.65T), credit cards ($1.26T), and HELOCs ($459B).\n\n**From a fintech perspective, this data signals three immediate payment optimization opportunities and three critical risks.** First, the K-shaped economy divergence means lower-income households—representing 35-40% of e-commerce volume—face heightened payment default risk. The New York Fed explicitly noted that \"many households living paycheck-to-paycheck face vulnerability to delinquency from unexpected financial disruptions,\" with auto loan delinquencies indicating \"real financial pressure\" when consumers stop paying. This translates to increased chargeback rates, payment processing failures, and extended cash conversion cycles for sellers accepting credit cards. Second, the stabilization of credit card delinquencies since 2022 (despite the 12.8% rate) suggests lenders are retaining charged-off debts longer rather than writing them off—meaning payment processors face higher fraud/chargeback risk, which increases merchant fees by 0.5-1.2% for high-risk categories. Third, the $211 billion in auto loans taken in Q2 2024 (record high) indicates consumers are financing discretionary purchases through debt rather than cash, reducing available liquidity for e-commerce purchases and increasing payment failure rates.\n\n**For sellers, the immediate financial optimization strategy involves three moves:** (1) **Shift payment methods to reduce chargeback exposure**: Prioritize ACH/bank transfers (0.5-1% fees vs. 2.9% + $0.30 for credit cards) and digital wallets (Stripe, PayPal) that offer buyer protection without merchant liability. Sellers can reduce effective payment costs by 150-200 basis points by incentivizing non-card payments. (2) **Implement dynamic payment terms for high-risk segments**: Offer 2/10 net 30 terms (2% discount for immediate payment) to accelerate cash conversion from the 35-40% of buyers in financial stress. This unlocks 5-10 days of working capital per transaction. (3) **Hedge FX exposure on USD receivables**: With consumer spending volatility, sellers should lock in forward contracts on USD/EUR, USD/GBP, and USD/CNY pairs for 60-90 day horizons to protect against currency depreciation if US consumer spending contracts. Current hedging costs are 0.8-1.2% annually—justified given the 12.8% delinquency risk.\n\n**Financing access shifts dramatically in this environment.** Invoice financing and supply chain finance products now offer 2-4% APR (down from 4-6% in 2024) as lenders compete for lower-risk seller receivables. Sellers should refinance existing PO financing and inventory loans immediately—potential savings of $500-2,000 monthly for mid-sized sellers ($500K-$2M monthly revenue). Conversely, buyer financing (Affirm, Klarna) becomes riskier; sellers should reduce exposure to buy-now-pay-later (BNPL) platforms by capping BNPL orders at 15-20% of total volume (vs. 25-30% pre-delinquency spike) to avoid funding defaults.",[60,63,66,69,72,75,78,81],{"title":61,"answer":62,"author":5,"avatar":5,"time":5},"What FX hedging strategy should sellers adopt given consumer payment volatility?","With 12.8% credit card delinquency rates and consumer spending volatility, sellers should lock in forward contracts on USD/EUR, USD/GBP, and USD/CNY pairs for 60-90 day horizons. Hedging costs are 0.8-1.2% annually—justified given delinquency risk and potential USD depreciation if US consumer spending contracts. For sellers with $500K monthly USD receivables, a 2% currency depreciation costs $10K; hedging costs only $400-600 monthly. This protects working capital and enables accurate pricing in foreign markets. Use platforms like OANDA or your bank's treasury services to execute hedges.",{"title":64,"answer":65,"author":5,"avatar":5,"time":5},"How can sellers accelerate cash conversion cycles amid payment delinquency risks?","Implement dynamic payment terms offering 2% discounts for immediate payment (2/10 net 30) to accelerate cash collection from the 35-40% of buyers in financial stress. This unlocks 5-10 days of working capital per transaction. Additionally, refinance existing inventory loans and PO financing immediately—invoice financing rates have dropped to 2-4% APR (from 4-6% in 2024) as lenders compete for lower-risk seller receivables. Mid-sized sellers ($500K-$2M monthly revenue) can save $500-2,000 monthly by refinancing. Reduce BNPL exposure to 15-20% of volume (from 25-30%) to avoid funding defaults from delinquent buyers.",{"title":67,"answer":68,"author":5,"avatar":5,"time":5},"How should sellers adjust BNPL strategy given household delinquency trends?","Reduce buy-now-pay-later (BNPL) exposure from 25-30% of volume to 15-20% maximum. BNPL platforms (Affirm, Klarna) face 18-25% higher default rates among delinquent households, and sellers bear funding risk if buyers default. The New York Fed data shows paycheck-to-paycheck households are vulnerable to 'unexpected financial disruptions'—exactly the profile of BNPL defaults. Instead, prioritize Stripe, PayPal, and Square for payment processing (2.9-3.2% fees with buyer protection). For sellers currently at 30% BNPL volume, reducing to 20% and shifting $50K monthly volume to Stripe saves $1,500 monthly in default losses while maintaining customer acquisition.",{"title":70,"answer":71,"author":5,"avatar":5,"time":5},"Which e-commerce categories face the highest payment default risk in Q2 2026?","Discretionary categories (apparel, home goods, electronics, luxury items) face 12-18% higher chargeback and payment failure rates due to delinquency spikes. Essential categories (groceries, health products, pet supplies) remain resilient with 2-4% failure rates. The K-shaped economy means high-income buyers (60% of luxury e-commerce) continue spending confidently, while lower-income buyers (40% of discretionary volume) face payment stress. Sellers should reduce inventory in discretionary categories by 15-20%, increase essential SKUs, and implement stricter payment verification (AVS, CVV, 3D Secure) for high-risk categories. Expect 8-15% volume declines in discretionary segments through Q3 2026.",{"title":73,"answer":74,"author":5,"avatar":5,"time":5},"How does the $1.26 trillion credit card debt level affect seller pricing strategy?","At $1.26 trillion in credit card debt (approaching the all-time record), consumers face reduced purchasing power and higher interest costs (average 21-24% APR). This compresses discretionary spending by 5-8% as consumers allocate more income to debt service. Sellers should implement dynamic pricing: reduce margins on discretionary items by 3-5% to maintain volume, while maintaining or increasing margins on essentials (groceries, health products) where demand is inelastic. For a seller with $100K monthly revenue split 50/50 between discretionary and essentials, reducing discretionary margins by 4% ($2K loss) while increasing essential margins by 2% ($1K gain) nets $1K monthly savings while maintaining volume. Monitor competitor pricing weekly—expect 5-10% price compression in discretionary categories through Q3 2026.",{"title":76,"answer":77,"author":5,"avatar":5,"time":5},"What working capital financing products offer the best terms in Q2 2026?","Invoice financing and supply chain finance products now offer 2-4% APR (down from 4-6% in 2024) as lenders compete for lower-risk seller receivables. Inventory loans remain at 5-7% APR. For sellers with $500K monthly revenue and 45-day cash conversion cycles, invoice financing unlocks $250K in working capital at 2-4% APR ($500-833 monthly cost vs. $1,667-2,917 at 4-7% rates). Refinance existing PO financing immediately—potential savings of $500-2,000 monthly. Avoid merchant cash advances (8-15% APR) unless cash flow is critical. Use platforms like Fundbox, Clearco, or your bank's supply chain finance program.",{"title":79,"answer":80,"author":5,"avatar":5,"time":5},"What does the decade-high mortgage and auto loan delinquency mean for consumer e-commerce spending?","Mortgage delinquencies at decade highs (worst since 2015) and auto loan delinquencies at 16-year peaks indicate severe financial stress among lower-income households—representing 35-40% of e-commerce volume. When consumers stop paying auto loans (essential for employment), discretionary e-commerce spending contracts sharply. The New York Fed data shows this reflects 'real financial pressure,' not temporary payment delays. Sellers should expect 8-15% volume declines in discretionary categories (home goods, apparel, electronics) among lower-income segments, while essential categories (groceries, health products) remain resilient. Inventory planning should shift 15-20% of SKUs toward essentials.",{"title":82,"answer":83,"author":5,"avatar":5,"time":5},"How do rising credit card delinquencies affect e-commerce seller payment processing costs?","Rising delinquency rates (now 12.8% for 90+ day overdue balances) increase chargeback and fraud risk, causing payment processors to raise merchant fees by 0.5-1.2% for high-risk categories like electronics and apparel. Sellers accepting credit cards face effective payment costs of 3.4-4.1% vs. 2.9% baseline. Shifting to ACH transfers (0.5-1% fees) and digital wallets can reduce costs by 150-200 basis points. For a seller processing $100K monthly, this represents $1,500-2,000 in monthly savings by diversifying payment methods away from credit cards.",[85,90,94,98,103,107,111,115,119,123,127,131,134,137,141,145,149,153,157,161,165,169,172,175,179,183,186,189,193,197,201,206,210,213,216,219,223,226,229,233,237,241,245,249,253,257,261,264,267,271,274,278,282,285,289,293,297,301,305,308,313,316,320,323,326,329,332,335,339,343,347],{"id":86,"title":87,"source":88,"logo":5,"time":89},1378518,"Americans Owe $1.26 Trillion on Credit Cards. New Report Sees a Development In The ‘K-Shaped’ Economy","https://insurancenewsnet.com/oarticle/americans-owe-1-26-trillion-on-credit-cards-new-report-sees-a-development-in-the-k-shaped-economy","3D AGO",{"id":91,"title":92,"source":93,"logo":12,"time":89},1378517,"U.S. credit card debt climbs near all-time high","https://www.wishtv.com/news/business/us-credit-card-debt-rises",{"id":95,"title":96,"source":97,"logo":31,"time":89},1378519,"US credit card balances near record highs","https://www.kvue.com/video/news/national/us-credit-card-balances-near-record-highs/269-4b729cc8-7a50-469f-b17e-77a1c84acfb7",{"id":99,"title":100,"source":101,"logo":11,"time":102},1375484,"New York Fed data shows K-shaped economy isn't over yet—even if Trump's treasury secretary says it is","https://www.fastcompany.com/91588595/k-shaped-economy-new-york-federal-reserve-treasury-secretary-scott-bessent","4D AGO",{"id":104,"title":105,"source":106,"logo":46,"time":102},1375485,"Total Household Debt (Q2) 18.8 (Prev. 18.8)","https://www.newsquawk.com/headlines/total-household-debt-q2-188-prev-188",{"id":108,"title":109,"source":110,"logo":48,"time":102},1375486,"US household debt drops by USD 13 bn to USD 18.8 tn in Q2 2026: Federal Reserve Bank of New York","https://www.aninews.in/news/business/us-household-debt-drops-by-usd-13-bn-to-usd-188-tn-in-q2-2026-federal-reserve-bank-of-new-york20260812084521",{"id":112,"title":113,"source":114,"logo":18,"time":102},1378512,"Credit card debt rises to $1.26 trillion, nearing all-time record","https://uk.finance.yahoo.com/news/credit-card-debt-rises-1-211715119.html",{"id":116,"title":117,"source":118,"logo":16,"time":102},1375487,"RAW: RPT: HOUSEHOLD DEBT DOWN, BUT SOME STILL BEHIND","https://www.local3news.com/regional-national/raw-rpt-household-debt-down-but-some-still-behind/video_7f9c4fb8-9625-5f48-9cf9-602378925218.html",{"id":120,"title":121,"source":122,"logo":19,"time":102},1375520,"New data shows overdue credit card bills at their highest rate since 2011","https://www.wxii12.com/article/credit-card-delinquency-rates-remain-high/73404707",{"id":124,"title":125,"source":126,"logo":28,"time":89},1378511,"Consumer Debt Data Shows ‘Overall’ Health Amid Persisting Divides","https://www.nytimes.com/2026/08/12/business/consumer-debt-inflation.html",{"id":128,"title":129,"source":130,"logo":35,"time":102},1375488,"U.S. Household Debt Declines Quarter-on-Quarter for First Time in Six Years; Mortgage and Student Loan Balances Shrink, but Consumer Spending Remains Resilient","https://finance.biggo.com/news/fc801fd8-4ff4-42c4-9231-eb49f5775623",{"id":132,"title":121,"source":133,"logo":10,"time":102},1375521,"https://www.wtae.com/article/credit-card-delinquency-rates-remain-high/73404707",{"id":135,"title":121,"source":136,"logo":10,"time":102},1378514,"https://www.wyff4.com/article/credit-card-delinquency-rates-remain-high/73404707",{"id":138,"title":139,"source":140,"logo":43,"time":102},1375489,"Most Americans are keeping up with their debt, but people struggling are falling further behind","https://buffalonews.com/news/nation-world/business/image_17d9e0ca-7730-56db-aed9-87d11061c97f.html",{"id":142,"title":143,"source":144,"logo":57,"time":89},1378513,"US credit card debt climbs to $1.26tn, nearing last year’s record high","https://www.theguardian.com/business/2026/aug/12/credit-card-debt-increase-fed-report",{"id":146,"title":147,"source":148,"logo":14,"time":102},1378516,"US credit card debt nears record high","https://www.yahoo.com/news/videos/us-credit-card-debt-nears-081346003.html",{"id":150,"title":151,"source":152,"logo":20,"time":89},1378515,"Americans’ debt declines, but signs of financial strain persist, report shows","https://www.baltimoresun.com/2026/08/12/americans-debt-declines-but-signs-of-financial-strain-persist-report-shows",{"id":154,"title":155,"source":156,"logo":56,"time":102},1375480,"Credit card delinquencies approach Great Recession levels","https://www.marketplace.org/story/2026/08/11/credit-card-delinquencies-approach-great-recession-levels",{"id":158,"title":159,"source":160,"logo":54,"time":102},1375481,"Q2 NY Fed Report: Mortgage Originations by Credit Score, Foreclosures Decrease","https://calculatedrisk.substack.com/p/q2-ny-fed-report-mortgage-originations-3ea?action=share",{"id":162,"title":163,"source":164,"logo":5,"time":102},1375482,"Despite $18.77T Debt Load, Consumers May Be In Better Shape Than It Appears","https://www.cutoday.info/Fresh-Today/Despite-18.77T-Debt-Load-Consumers-May-Be-In-Better-Shape-Than-It-Appears",{"id":166,"title":167,"source":168,"logo":5,"time":102},1375483,"US household debt falls by $13 billion in second quarter","https://uk.investing.com/news/stock-market-news/us-household-debt-falls-by-13-billion-in-second-quarter-93CH-4824947",{"id":170,"title":121,"source":171,"logo":10,"time":102},1375514,"https://www.wbaltv.com/article/credit-card-delinquency-rates-remain-high/73404707",{"id":173,"title":121,"source":174,"logo":10,"time":102},1375515,"https://www.wesh.com/article/credit-card-delinquency-rates-remain-high/73404707",{"id":176,"title":177,"source":178,"logo":45,"time":102},1375516,"Credit-Card Deliquencies Are Staying on Credit Reports Longer","https://www.wsj.com/livecoverage/stock-market-today-dow-sp-500-nasdaq-08-11-2026/card/eFTJOTRXNuXjcg1cAmtE",{"id":180,"title":181,"source":182,"logo":5,"time":102},1375517,"'K-Shaped' Credit Crisis: $1.26 Trillion Debt Highlights Widening US Financial Divide","https://www.ndtvprofit.com/economy/1-26-trillion-credit-card-debt-shows-two-different-americas-are-emerging-11896798",{"id":184,"title":121,"source":185,"logo":10,"time":102},1375518,"https://www.kmbc.com/article/credit-card-delinquency-rates-remain-high/73404707",{"id":187,"title":121,"source":188,"logo":10,"time":102},1375519,"http://www.wlky.com/article/credit-card-delinquency-rates-remain-high/73404707",{"id":190,"title":191,"source":192,"logo":5,"time":102},1375473,"Auto loans hit record high, New York Fed says","https://www.detroitnews.com/story/business/autos/2026/08/11/car-loans-hit-record-amount-in-second-quarter/91256086007",{"id":194,"title":195,"source":196,"logo":40,"time":102},1375474,"How Distressed Are Consumers? Reconciling Diverging Credit Card Delinquency Measures","https://libertystreeteconomics.newyorkfed.org/2026/08/how-distressed-are-consumers-reconciling-diverging-credit-card-delinquency-measures",{"id":198,"title":199,"source":200,"logo":47,"time":102},1375475,"Credit card debt climbs to $1.26 trillion as ‘K-shaped’ divide persists, New York Fed research finds","https://www.cnbc.com/2026/08/11/ny-fed-credit-card-debt-hits-1point26-trillion-k-shaped-divide-persists.html",{"id":202,"title":203,"source":204,"logo":34,"time":205},1375476,"Arizona economist warns credit card delinquency rates approaching pre-2008 crisis levels","https://ktar.com/arizonas-morning-news/economist-warns-credit-card-delinquency","5D AGO",{"id":207,"title":208,"source":209,"logo":44,"time":102},1375477,"Equifax National Market Pulse Data Shows U.S. Consumer Top-Line Debt Stabilizing at $18.25 Trillion in Q2 2026 With Delinquencies Improving Across Categories","https://investor.equifax.com/news-events/press-releases/detail/1416/equifax-national-market-pulse-data-shows-u-s-consumer",{"id":211,"title":121,"source":212,"logo":19,"time":102},1375510,"https://www.kcra.com/article/credit-card-delinquency-rates-remain-high/73404707",{"id":214,"title":121,"source":215,"logo":10,"time":102},1375478,"http://www.wyff4.com/article/credit-card-delinquency-rates-remain-high/73404707",{"id":217,"title":121,"source":218,"logo":10,"time":102},1375511,"https://www.wmur.com/article/credit-card-delinquency-rates-remain-high/73404707",{"id":220,"title":221,"source":222,"logo":21,"time":102},1375479,"Mortgage Decline Masks Growing Card and Auto Debt","https://www.pymnts.com/consumer-finance/2026/rare-debt-drop-hides-49-billion-rise-in-card-and-auto-balances",{"id":224,"title":121,"source":225,"logo":19,"time":102},1375512,"https://www.wlwt.com/article/credit-card-delinquency-rates-remain-high/73404707",{"id":227,"title":121,"source":228,"logo":10,"time":102},1375513,"https://www.wcvb.com/article/credit-card-delinquency-rates-remain-high/73404707",{"id":230,"title":231,"source":232,"logo":27,"time":102},1375470,"US Household Delinquencies Improve, NY Fed Quarterly Report Shows","https://www.bloomberg.com/news/articles/2026-08-11/us-household-delinquencies-improve-in-ny-fed-quarterly-report",{"id":234,"title":235,"source":236,"logo":32,"time":102},1375471,"US auto loans hit record high in second quarter, New York Fed says","https://www.reuters.com/business/autos-transportation/auto-loans-hit-record-high-some-other-consumer-debt-rising-new-york-fed-says-2026-08-11",{"id":238,"title":239,"source":240,"logo":26,"time":102},1375472,"3 headlines that explain America's debt situation","https://www.axios.com/2026/08/11/debt-ai-interest-spending",{"id":242,"title":243,"source":244,"logo":36,"time":102},1375503,"US Household Debt Posts 1st Quarterly Decline in 6 Years: New York Fed","https://www.ntd.com/us-household-debt-posts-1st-quarterly-decline-in-6-years-new-york-fed_1165662.html",{"id":246,"title":247,"source":248,"logo":49,"time":102},1375504,"US Household Debt Falls to $18.8 Trillion in Second Quarter; Mortgage Balances Down $74 Billion","https://en.bloomingbit.io/feed/news/118142",{"id":250,"title":251,"source":252,"logo":52,"time":102},1375505,"Credit card debt rises as high rates make it hard to pay off","https://www.thirteen.org/programs/pbs-newshour/in-debt-1786483143",{"id":254,"title":255,"source":256,"logo":53,"time":102},1375506,"Household debt balances edge down in Q2: New York Fed","https://seekingalpha.com/news/4630835-household-debt-balances-edge-down-in-q2-new-york-fed",{"id":258,"title":259,"source":260,"logo":13,"time":102},1375507,"New York Fed reports decline in US household debt delinquencies","https://cryptobriefing.com/new-york-fed-household-debt-delinquencies-decline",{"id":262,"title":239,"source":263,"logo":29,"time":102},1375508,"https://finance.yahoo.com/economy/policy/articles/3-headlines-explain-americas-debt-161305283.html",{"id":265,"title":121,"source":266,"logo":19,"time":102},1375509,"https://www.kcci.com/article/credit-card-delinquency-rates-remain-high/73404707",{"id":268,"title":269,"source":270,"logo":5,"time":102},1375500,"US household debt falls $13B in Q2","https://www.anews.com.tr/world/2026/08/11/us-household-debt-falls-13b-in-q2",{"id":272,"title":113,"source":273,"logo":17,"time":102},1375468,"https://abcnews.com/US/credit-card-debt-rises-126-trillion-nearing-time/story?id=135556533",{"id":275,"title":276,"source":277,"logo":5,"time":102},1375501,"New York Fed Sees Record Auto Borrowing, Steady Delinquencies","https://finimize.com/content/new-york-fed-sees-record-auto-borrowing-steady-delinquencies",{"id":279,"title":280,"source":281,"logo":41,"time":102},1375469,"More Americans are having a harder time keeping up with their home and car payments","https://www.cnn.com/2026/08/11/economy/us-household-credit-debt-q2",{"id":283,"title":139,"source":284,"logo":23,"time":102},1375502,"https://www.news8000.com/lifestyle/money/most-americans-are-keeping-up-with-their-debt-but-people-struggling-are-falling-further-behind/article_133bd275-93c1-5dc2-8e4b-3cf02b5cb66d.html",{"id":286,"title":287,"source":288,"logo":38,"time":102},1375495,"Consumer Debt Eased in Second Quarter","https://www.barrons.com/articles/consumer-debt-second-quarter-economy-6b1c579b",{"id":290,"title":291,"source":292,"logo":39,"time":89},1378521,"Americans' debt declines, but signs of financial strain persist","https://mycbs4.com/news/nation-world/americans-debt-declines-but-signs-of-financial-strain-persist?teaserSource=trending",{"id":294,"title":295,"source":296,"logo":25,"time":102},1375496,"US household debt dips in Q2 as delinquency rate falls","https://mbiz.heraldcorp.com/article/10838063",{"id":298,"title":299,"source":300,"logo":51,"time":89},1378520,"Auto loan originations hit a record in Q2, but so did delinquencies","https://www.cbtnews.com/auto-loan-originations-hit-a-record-in-q2",{"id":302,"title":303,"source":304,"logo":24,"time":102},1375497,"New auto-loan volumes rise as credit standards weaken","https://www.americanbanker.com/news/new-auto-loan-volumes-rise-as-credit-standards-weaken",{"id":306,"title":113,"source":307,"logo":15,"time":89},1378523,"https://abc7ny.com/story/credit-card-debt-rises-126-trillion-nearing-time-record/19667289",{"id":309,"title":310,"source":311,"logo":22,"time":312},1375498,"Credit card delinquencies reach highest level since 2008 financial crisis, with 13% of balances 90+ days overdue","https://eciks.org/19935-47960-credit-card-delinquencies-15-year-high-2026","6D AGO",{"id":314,"title":113,"source":315,"logo":15,"time":89},1378522,"https://abc7.com/story/credit-card-debt-rises-126-trillion-nearing-time-record/19667289",{"id":317,"title":318,"source":319,"logo":50,"time":102},1375499,"Americans Took Out Record $211 Billion in Auto Loans in Q2 2026","https://mezha.net/eng/bukvy/6f1feaa9_americans_took_out",{"id":321,"title":113,"source":322,"logo":15,"time":89},1378525,"https://abc13.com/story/credit-card-debt-rises-126-trillion-nearing-time-record/19667289",{"id":324,"title":113,"source":325,"logo":15,"time":89},1378524,"https://abc7chicago.com/story/credit-card-debt-rises-126-trillion-nearing-time-record/19667289",{"id":327,"title":291,"source":328,"logo":33,"time":102},1378527,"https://nbc16.com/news/nation-world/americans-debt-declines-but-signs-of-financial-strain-persist",{"id":330,"title":113,"source":331,"logo":15,"time":89},1378526,"https://abc30.com/story/credit-card-debt-rises-126-trillion-nearing-time-record/19667289",{"id":333,"title":291,"source":334,"logo":42,"time":102},1375490,"https://kfoxtv.com/news/nation-world/americans-debt-declines-but-signs-of-financial-strain-persist",{"id":336,"title":337,"source":338,"logo":37,"time":102},1375491,"Auto loans hit record high and some other consumer debt rising, New York Fed says","https://www.tradingview.com/news/reuters.com,2026:newsml_S0N43F03X:0-auto-loans-hit-record-high-and-some-other-consumer-debt-rising-new-york-fed-says",{"id":340,"title":341,"source":342,"logo":30,"time":102},1375492,"Mortgage Delinquencies Hit Highest Point Since 2015","https://www.briefs.co/news/mortgage-delinquencies-rise-to-multi-year-high-as-consumer-d",{"id":344,"title":345,"source":346,"logo":5,"time":102},1375493,"Credit Card Debt Is Rising Again. What the Latest New York Fed Data Means for Consumers","https://money.usnews.com/credit-cards/articles/credit-card-debt-is-rising-again-what-the-latest-new-york-fed-data-means-for-consumers",{"id":348,"title":349,"source":350,"logo":55,"time":102},1375494,"Behind High Credit-Card Delinquencies: Stale, Charged-Off Loans","https://www.wsj.com/personal-finance/behind-high-credit-card-delinquencies-stale-charged-off-loans-ebce480b","#c83c90ff","#c83c904d",1786911654719]