Credit card delinquencies fell across the board at the Big Six issuers in December, reversing modest increases that had appeared in the preceding months.

The deterioration during the fall and the strong finish to end the year were in line with seasonal patterns. Analysts expect performance to continue to track closely with the rhythms of holiday spending, tax refunds and the like now that portfolios have recovered to loss rates that are lower than they were before the crisis. (Data for the nation’s largest issuers is shown in the following graphic. Interactive controls are described in the captions. Text continues below.)

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