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December 12, 2011

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7/26/2012 04:02 PM

Low as the credit card delinquency rate already is, there is some more room left for improvement, as indicated by the early-stage delinquency rate (30 - 59 days), which continues to fall and is now at 0.75 percent, the lowest rate ever. What's even more certain is that defaults will keep falling, as the charge-off rate is a trailing indicator for the delinquency one.

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