{
  "generatedAt": "2026-06-01T10:00:09.518308+00:00",
  "nextUpdateDate": "2026-07-01",
  "source": "Federal Reserve Economic Data (FRED), St. Louis Fed",
  "creditCardApr": {
    "seriesId": "TERMCBCCALLNS",
    "name": "Average Credit Card Interest Rate",
    "description": "Average credit card interest rate at commercial banks, not seasonally adjusted",
    "unit": "percent",
    "frequency": "Quarterly",
    "current": {
      "date": "2026-02-01",
      "value": 21.0
    },
    "yoyChange": -0.37,
    "qoqChange": 0.03,
    "history": [
      {
        "date": "2023-05-01",
        "value": 20.84
      },
      {
        "date": "2023-08-01",
        "value": 21.19
      },
      {
        "date": "2023-11-01",
        "value": 21.47
      },
      {
        "date": "2024-02-01",
        "value": 21.59
      },
      {
        "date": "2024-05-01",
        "value": 21.51
      },
      {
        "date": "2024-08-01",
        "value": 21.76
      },
      {
        "date": "2024-11-01",
        "value": 21.47
      },
      {
        "date": "2025-02-01",
        "value": 21.37
      },
      {
        "date": "2025-05-01",
        "value": 21.16
      },
      {
        "date": "2025-08-01",
        "value": 21.39
      },
      {
        "date": "2025-11-01",
        "value": 20.97
      },
      {
        "date": "2026-02-01",
        "value": 21.0
      }
    ]
  },
  "revolvingCredit": {
    "seriesId": "REVOLSL",
    "name": "Total Revolving Consumer Credit",
    "description": "Total revolving consumer credit outstanding, seasonally adjusted",
    "unit": "billions of dollars",
    "frequency": "Monthly",
    "current": {
      "date": "2026-03-01",
      "value": 1337.0
    },
    "momChange": 10.0,
    "history": [
      {
        "date": "2025-04-01",
        "value": 1299.1
      },
      {
        "date": "2025-05-01",
        "value": 1299.7
      },
      {
        "date": "2025-06-01",
        "value": 1301.7
      },
      {
        "date": "2025-07-01",
        "value": 1310.4
      },
      {
        "date": "2025-08-01",
        "value": 1308.2
      },
      {
        "date": "2025-09-01",
        "value": 1312.7
      },
      {
        "date": "2025-10-01",
        "value": 1317.1
      },
      {
        "date": "2025-11-01",
        "value": 1316.2
      },
      {
        "date": "2025-12-01",
        "value": 1324.3
      },
      {
        "date": "2026-01-01",
        "value": 1326.6
      },
      {
        "date": "2026-02-01",
        "value": 1327.0
      },
      {
        "date": "2026-03-01",
        "value": 1337.0
      }
    ]
  },
  "delinquencyRate": {
    "seriesId": "DRCCLACBS",
    "name": "Credit Card Delinquency Rate",
    "description": "Delinquency rate on credit card loans at commercial banks, seasonally adjusted",
    "unit": "percent",
    "frequency": "Quarterly",
    "current": {
      "date": "2026-01-01",
      "value": 2.92
    },
    "yoyChange": -0.14,
    "qoqChange": -0.02,
    "history": [
      {
        "date": "2023-04-01",
        "value": 2.75
      },
      {
        "date": "2023-07-01",
        "value": 2.94
      },
      {
        "date": "2023-10-01",
        "value": 3.1
      },
      {
        "date": "2024-01-01",
        "value": 3.17
      },
      {
        "date": "2024-04-01",
        "value": 3.22
      },
      {
        "date": "2024-07-01",
        "value": 3.2
      },
      {
        "date": "2024-10-01",
        "value": 3.08
      },
      {
        "date": "2025-01-01",
        "value": 3.06
      },
      {
        "date": "2025-04-01",
        "value": 3.04
      },
      {
        "date": "2025-07-01",
        "value": 2.98
      },
      {
        "date": "2025-10-01",
        "value": 2.94
      },
      {
        "date": "2026-01-01",
        "value": 2.92
      }
    ]
  },
  "chargeOffRate": {
    "seriesId": "CORCCACBS",
    "name": "Credit Card Charge-Off Rate",
    "description": "Charge-off rate on credit card loans at commercial banks, seasonally adjusted",
    "unit": "percent",
    "frequency": "Quarterly",
    "current": {
      "date": "2026-01-01",
      "value": 3.84
    },
    "yoyChange": -0.62,
    "qoqChange": -0.23,
    "history": [
      {
        "date": "2023-04-01",
        "value": 3.26
      },
      {
        "date": "2023-07-01",
        "value": 3.7
      },
      {
        "date": "2023-10-01",
        "value": 4.17
      },
      {
        "date": "2024-01-01",
        "value": 4.43
      },
      {
        "date": "2024-04-01",
        "value": 4.59
      },
      {
        "date": "2024-07-01",
        "value": 4.64
      },
      {
        "date": "2024-10-01",
        "value": 4.56
      },
      {
        "date": "2025-01-01",
        "value": 4.46
      },
      {
        "date": "2025-04-01",
        "value": 4.21
      },
      {
        "date": "2025-07-01",
        "value": 4.15
      },
      {
        "date": "2025-10-01",
        "value": 4.07
      },
      {
        "date": "2026-01-01",
        "value": 3.84
      }
    ]
  },
  "bureauPullSummary": {
    "source": "StackEasy Bureau Pull Database",
    "sourceUrl": "https://www.stackeasy.ai/api/bureau-pulls.json",
    "dataPoints": 695,
    "states": 50,
    "issuers": 9,
    "lastUpdated": "2026-05-20",
    "topInsights": [
      {
        "issuer": "Barclays",
        "insight": "Pulls TransUnion exclusively in 100% of states"
      },
      {
        "issuer": "American Express",
        "insight": "Pulls Experian in 98% of states"
      },
      {
        "issuer": "Discover",
        "insight": "Pulls Experian in 98% of states"
      },
      {
        "issuer": "Capital One",
        "insight": "Pulls multiple bureaus \u2014 Equifax in 96% of states"
      },
      {
        "issuer": "Chase",
        "insight": "Primarily Experian (92%), TransUnion-only in California"
      }
    ]
  }
}