Americans owe domestic debt, including credit card debt, including credit card debt, the Federal Reserve Bank of New York has always increased to a high level in the fourth quarter of 2024.

In the report, the total household debt showed $ 93 billion in late 2024 to $ 93 billion. Credit card remains The previous quarter rose to $ 45 billion, and in late December reached $ 1.21 trillion, which is high.

Delinquency rates are 0.1 percentage points than in the previous quarter than 0.1 percentage points, in a certain stage, the transition rates, except for credit cards, with a small shortcoming in the transitions. The past is 90 or more days, higher for credit cards and helock remnants, but higher levels for mortgage loans.

This New York Fed The report noted that Americans are generally suitable for managing household debt, prices and high interest rates have signs that cause issues for some auto-loan borrowers.

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Americans' home debt has achieved a new record in the last quarter of 2024. (Spencer Platt / Getty Images / Getty Images)

“In general, consumers are in very good shape domestic debt The landscape is mainly controlled by solid performance in fixed balances and mortgage loans, “New York Fed's economic researchers wrote in an article accompanying the report.

“But, for Car loanHigher car prices made up higher interest rates made up the higher payments and put pressure on consumers along the income and credit score spectrum, “he said and among new cars, as well as loans and leases.”

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The credit card debt of Americans has always reached the height at the end of 2024. (ITOK / ISTOCK)

Reducing car prices used, when prices are higher, potentially used a potentially used car can damage the borrowers.

“These changes have given additional pressure on the less profitable and low-credit honey borrowers, which may have to use cars used in the last few years,” researchers wrote.

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Serious concerns for mortgage loans are hit down in the end of 2024. (Photographer: David Paul Morris / Bloomberg Getty Imager / through Getty Images)

“Used car prices have dropped from peaks, potentially have left some borrowers in these vehicles and create potential payment problems,” they added. “At the same time, the decrease in automatic prices can be recently relieved that the floats that the grapes of the car loans can be better as the floors that the grapes increase, can be better as the age of these loans.”

The number of consumers with one Bankruptlight note According to the bank information in the fourth quarter, which was added to their credit record, 123,000 was a decrease in the third quarter.

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In the fourth quarter, consumers with a third-party collection of “relatively stable” in the fourth quarter of the loan record, “New York”.