2026-01-15 19:11:20

Just caught some sobering numbers from the banking sector. Citigroup's latest report shows credit card charge-offs hitting 2.51% in December 2025, with delinquency rates at 1.42%. These figures tell an interesting story about consumer financial health.

When charge-off rates climb like this, it typically signals mounting pressure on household finances. People are struggling to keep up with payments, which usually happens when economic headwinds pick up. The delinquency number—still relatively moderate at 1.42%—suggests things haven't spiraled yet, but the trend is worth watching.

For those tracking macro cycles and market conditions, this kind of traditional finance data matters. It reflects consumer confidence, credit availability, and overall economic momentum. When traditional credit systems start showing stress, it often precedes broader market adjustments. Keep an eye on how these metrics evolve in coming months—they're a real-world gauge of where economies are headed.

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ContractTester

· 1h ago

2.51% bad debt rate... I’ve been saying for a long time that traditional finance is going to fail.

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NFTArchaeologist

· 5h ago

ngl these numbers are a bit scary... a 2.51% bad debt rate is no joke Wait, traditional finance is screaming, but on-chain data is still so calm People are definitely tightening their wallets, this wave might be coming Will this pressure before the end of 2025 directly impact the crypto market... a bit worried So those still daring to take on consumer loans now are quite brave Traditional finance is collapsing, but we haven't really fared much better, right? Honestly, 1.42% looks mild, but this trend is really worth watching This is exactly why we need to manage our assets independently, everyone

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GweiWatcher

· 5h ago

2.51% bad debt rate... feels like a collapse is not far away.

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GateUser-1a2ed0b9

· 5h ago

2.51% bad debt rate... This round is really going to fail.

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ReverseTrendSister

· 5h ago

Uh, these numbers are a bit scary... Ordinary people are really under a lot of pressure --- Charge-off rate exceeds 2.5%, the consumer side is indeed experiencing a squeeze --- The financial system is under immense pressure, let's wait and see how the stock market reacts next --- Damn, wallets are tightening again... The economic trend is really unsustainable --- That's why I say the crypto world is the way out; traditional finance is completely rotten

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MerkleDreamer

· 6h ago

ngl 2.51% Bad debt rate is really starting to scare people --- Here we go again, when economic data takes a hit, everyone waits to see how the crypto market reacts --- Basically, it's just that retail investors' cash flow is tight. If this continues, will anyone dare to leverage up? --- Macroeconomic data is indeed important, but why is the traditional financial system always lagging behind? --- Let me guess, will it break a new low this month? --- So this is why I've been saying to hold hard assets. The signals are becoming clearer and clearer --- Traditional finance is fully exposed, no wonder everyone is thinking about ways to break out of the circle

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