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Are Recently Issued Credit Card Accounts More Risky?

Author

Listed:
  • Joanna Stavins

Abstract

The author uses Federal Reserve data on the majority of credit card accounts issued by US banks to investigate whether, in recent years versus before the pandemic, credit cards have been issued to consumers who are less (or more) likely to pay off their debts.

Suggested Citation

  • Joanna Stavins, 2025. "Are Recently Issued Credit Card Accounts More Risky?," Current Policy Perspectives 25-6, Federal Reserve Bank of Boston.
    • Handle: RePEc:fip:fedbcq:99774
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    More about this item

    Keywords

    credit cards; delinquency rates; credit scores;
    All these keywords.

    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • G51 - Financial Economics - - Household Finance - - - Household Savings, Borrowing, Debt, and Wealth
    • D14 - Microeconomics - - Household Behavior - - - Household Saving; Personal Finance
    • E42 - Macroeconomics and Monetary Economics - - Money and Interest Rates - - - Monetary Sytsems; Standards; Regimes; Government and the Monetary System

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