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Debt shaming: Cruel and unusual or creative and effective?

Debt shaming: Is it cruel or creative and effective?

Controlling financial behavior through humiliation can work or it can backfire. The legality of debt shaming depends on many factors, an attorney says.

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Card debt 90 days or more late is lowest since 2001

In another sign of improving finances for American consumers, credit card delinquency rates dropped to their lowest level in 15 years, according to the New York Federal Reserve's latest report.

The percentage of credit card balances that are delinquent 90 days or more registered at 7.08 percent for 2016's third quarter, which is the lowest rate since 2001. It's also the fifth consecutive quarterly drop.

The Federal Reserve Bank of New York's Quarterly Report on Household Debt and Credit draws its findings from Equifax credit-report data on a nationally representative 5 percent random sample of 44 million individuals who have a Social Security number and a credit report (usually age 19 and over). The latest report was released Nov. 30, 2016.

Infographic: Card delinquency hits 15-year low

See related: How late payments get reported to credit bureaus, More infographics


'To Her Credit'
Q&A with Sally Herigstad

After a late payment dispute,
withholding payment is unwise

To Her Credit columnist Sally Herigstad

You risk ruining your credit and opening the door to collections. See Expert Q&A

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CreditCards.com reviews
of cash back cards

Cash back card reviews

Our cash back card reviews take into account the rewards value for each card, the ease of redemption and any card perks and benefits.


Our 3 best hotel credit cards

Best hotel credit cards: fall 2016

Hotel credit cards, a favorite of travel experts, offer some of the most generous rewards available – and our three best hotel credit cards are the most rewarding of the class.


Credit card statistics

Average credit scores
are trending up

Credit scores are a key indicator of Americans' credit health. Find out who has the best scores, who checks their credit reports and how Americans describe their credit in our statistics on credit scores.


CreditCards.com's
Household Spending Survey

Women say they control
most spending; men disagree

Who makes the spending decisions on buying clothes and groceries and handling holiday shopping? "We do," women say. But men don't see it that way, our Household Spending Survey finds.


'Taking Charge' blog

Brady Porche Your credit hits (and misses)
in CD form – if you want that


Brady Porche | 12/9/2016

TransUnion has been sued after sending a California man his free annual consumer credit report in audio form only and not at his request. See more


CreditCards.com poll

What kind of gift cards do you give at the holidays?

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See related: Creative ways to wrap gift cards, Save with 2016 holiday card perks and rewards, 9 tips for sticking to a holiday budget

CreditCards.com's
holiday shopping guide

Our 2016 holiday shopping and credit guide includes stories, tips and resources all aimed at helping you to use your cards wisely to put money in your wallet and keep debt off your back.


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Credit card tip of the day

With balance transfers, watch your individual card utilization. If the transferred amount eats up your available credit, expect a credit score hit.



Updated: 12-09-2016