The American Bankers Association's measures of consumer credit quality seesawed again in the third quarter-this time mostly in a direction that would hearten lenders.

After an ominous rise in the second quarter, the proportion of credit card accounts at least 90 days past due improved to 3.53% at Sept. 30, from 3.69% at June 30. Indirect automobile lending showed a similar improvement, to 2.62%, from 2.74%.

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