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Inflation pushing more borrowers with low FICO scores to default -study

05 Tháng Năm 2022

NEW YORK (Reuters) - Soaring inflation pushing the price up for everyday items like gas and groceries in the United States is leading consumers with low credit scores to borrow more and default on their loans more often, a study by credit agency TransUnion (NYSE:TRU) found on Wednesday.

Credit card balances and delinquency rates among non-prime borrowers--people with credit scores below 660--increased by the greatest percentage since early 2021, when inflation began to rise significantly. If high inflation persists, the study projected delinquencies could rise to about 8.4% of total credit card loans by the first quarter 2023, up from 8% in the first quarter this year.

The findings show that despite most consumers being in good financial standing thanks to robust government stimulus and wage growth, consumers with the least financial cushion are increasingly vulnerable to price shocks caused by inflation.

"Despite everything that has happened in the last two years, the consumer is in extremely good shape, but not all of them," said Charlie Wise, head of global research and consulting at TransUnion. "Averages gloss over the fact that some are struggling."

The Federal Reserve on Wednesday is expected to raise interest rates by half a percentage point as part of its effort to combat high inflation, a move that will have knock-on effects for credit card borrowers because it will increase borrowing rates.

While credit card delinquency rates remain below pre-pandemic levels for non-prime borrowers, the study found these consumers are also carrying a heavier debt burden month-to-month than in the past two years.

The average non-mortgage debt balance per non-prime consumer in the first quarter of 2022 was $22,988. That is up from $22,461 in the first quarter 2021, and also up from $22,970 in the first quarter 2020, before the pandemic began in the United States.

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25-05-2022 05:12:30 (UTC+7)

EUR/USD

1.0735

+0.0001 (+0.01%)

Summary

↑ Buy

Moving Avg:

Buy (12)

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Indicators:

Buy (7)

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EUR/USD

1.0735

+0.0001 (+0.01%)

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↑ Buy

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Buy (12)

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Buy (7)

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GBP/USD

1.2535

+0.0006 (+0.05%)

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USD/JPY

126.89

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Buy (9)

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Buy (9)

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AUD/USD

0.7111

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USD/CAD

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136.21

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EUR/CHF

1.0311

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Gold Futures

1,864.59

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22.090

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4.3160

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110.53

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111.00

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US Coffee C Futures

213.83

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Euro Stoxx 50

3,647.56

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Neutral

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S&P 500

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13,919.75

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FTSE 100

7,484.35

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20,112.10

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US Small Cap 2000

1,768.22

-24.55 (-1.37%)

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IBEX 35

8,631.20

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48.755

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Bayer AG NA

63.29

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197.86

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Adidas AG

171.20

-4.28 (-2.44%)

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Deutsche Lufthansa AG

6.496

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Siemens AG Class N

114.20

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10.084

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 EUR/USD1.0735↑ Buy
 GBP/USD1.2535↑ Buy
 USD/JPY126.89↑ Buy
 AUD/USD0.7111↑ Buy
 USD/CAD1.2817↑ Sell
 EUR/JPY136.21↑ Buy
 EUR/CHF1.0311Buy
 Gold1,864.59Sell
 Silver22.090↑ Sell
 Copper4.3160↑ Buy
 Crude Oil WTI110.53↑ Buy
 Brent Oil111.00Neutral
 Natural Gas8.873↑ Sell
 US Coffee C213.83↑ Buy
 Euro Stoxx 503,647.56Neutral
 S&P 5003,941.48Neutral
 DAX13,919.75↑ Sell
 FTSE 1007,484.35Sell
 Hang Seng20,112.10↑ Buy
 Small Cap 20001,768.22↑ Buy
 IBEX 358,631.20↑ Buy
 BASF48.755↑ Buy
 Bayer63.29Neutral
 Allianz197.86Sell
 Adidas171.20Neutral
 Lufthansa6.496↑ Buy
 Siemens AG114.20↑ Buy
 Deutsche Bank AG10.084↑ Sell
Mua/Bán 1 chỉ SJC
# So hôm qua # Chênh TG
SJC Eximbank6,900/ 6,990
(0/ 0) # 1,765
SJC HCM6,900/ 6,990
(0/ 0) # 1,764
SJC Hanoi6,900/ 6,992
(0/ 0) # 1,766
SJC Danang6,900/ 6,992
(0/ 0) # 1,766
SJC Nhatrang6,900/ 6,992
(0/ 0) # 1,766
SJC Cantho6,900/ 6,992
(0/ 0) # 1,766
Cập nhật 25-05-2022 05:12:33
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Ngoại tệMua vàoBán ra
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JPY177,16187,56
KRW15,8619,33
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