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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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21-05-2022 19:23:10 (UTC+7)

EUR/USD

1.0562

-0.0024 (-0.23%)

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↑ Buy

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Buy (12)

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Indicators:

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EUR/USD

1.0562

-0.0024 (-0.23%)

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↑ Buy

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Buy (12)

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Buy (7)

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GBP/USD

1.2489

+0.0029 (+0.23%)

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USD/JPY

127.86

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AUD/USD

0.7039

-0.0008 (-0.11%)

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USD/CAD

1.2839

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135.05

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1.0296

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21.765

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4.3042

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Crude Oil WTI Futures

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112.91

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8.058

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US Coffee C Futures

216.48

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Euro Stoxx 50

3,657.03

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S&P 500

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DAX

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20,717.24

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US Small Cap 2000

1,768.35

-7.87 (-0.44%)

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IBEX 35

8,484.50

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BASF SE NA O.N.

48.850

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Bayer AG NA

63.74

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Allianz SE VNA O.N.

195.58

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Adidas AG

172.80

+0.92 (+0.54%)

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Buy

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Deutsche Lufthansa AG

6.852

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Siemens AG Class N

115.08

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9.362

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 EUR/USD1.0562↑ Buy
 GBP/USD1.2489Neutral
 USD/JPY127.86Neutral
 AUD/USD0.7039Sell
 USD/CAD1.2839↑ Buy
 EUR/JPY135.05Neutral
 EUR/CHF1.0296↑ Buy
 Gold1,845.10↑ Buy
 Silver21.765↑ Sell
 Copper4.3042↑ Buy
 Crude Oil WTI110.35↑ Sell
 Brent Oil112.91↑ Sell
 Natural Gas8.058↑ Sell
 US Coffee C216.48↑ Buy
 Euro Stoxx 503,657.03↑ Buy
 S&P 5003,901.36↑ Buy
 DAX13,981.91Buy
 FTSE 1007,389.98Neutral
 Hang Seng20,717.24↑ Sell
 Small Cap 20001,768.35↑ Buy
 IBEX 358,484.50Neutral
 BASF48.850Buy
 Bayer63.74Buy
 Allianz195.58Buy
 Adidas172.80Buy
 Lufthansa6.852↑ Sell
 Siemens AG115.08Neutral
 Deutsche Bank AG9.362Buy
Mua/Bán 1 chỉ SJC
# So hôm qua # Chênh TG
SJC Eximbank6,875/ 6,975
(0/ 0) # 1,795
SJC HCM6,895/ 6,985
(5/ 5) # 1,800
SJC Hanoi6,895/ 6,987
(5/ 5) # 1,802
SJC Danang6,895/ 6,987
(5/ 5) # 1,802
SJC Nhatrang6,895/ 6,987
(5/ 5) # 1,802
SJC Cantho6,895/ 6,987
(5/ 5) # 1,802
Cập nhật 21-05-2022 19:23:12
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ↀ Giá vàng thế giới
$1,846.53+4.270.23%
Live 24 hour Gold Chart
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Sản phẩmVùng 1Vùng 2
RON 95-V30.58031.190
RON 95-III29.98030.570
E5 RON 92-II28.95029.520
DO 0.05S26.65027.180
DO 0,001S-V27.45027.990
Dầu hỏa 2-K25.16025.660
ↂ Giá dầu thô thế giới
WTI$110.53-0.11-0.10%
Brent$112.89-0.31-0.27%
$ Tỷ giá Vietcombank
Ngoại tệMua vàoBán ra
USD23.000,0023.310,00
EUR23.879,5425.217,23
GBP28.128,1029.328,16
JPY176,49186,84
KRW15,8019,26
Cập nhật lúc 18:54:43 21/05/2022
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