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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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24-05-2022 00:08:48 (UTC+7)

EUR/USD

1.0673

+0.0113 (+1.07%)

Summary

↑ Sell

Moving Avg:

Buy (5)

Sell (7)

Indicators:

Buy (1)

Sell (8)

EUR/USD

1.0673

+0.0113 (+1.07%)

Summary

↑ Sell

Moving Avg:

Buy (5)

Sell (7)

Indicators:

Buy (1)

Sell (8)

GBP/USD

1.2564

+0.0076 (+0.61%)

Summary

↑ Sell

Moving Avg:

Buy (0)

Sell (12)

Indicators:

Buy (1)

Sell (10)

USD/JPY

127.82

-0.03 (-0.02%)

Summary

↑ Sell

Moving Avg:

Buy (3)

Sell (9)

Indicators:

Buy (1)

Sell (9)

AUD/USD

0.7099

+0.0066 (+0.93%)

Summary

↑ Sell

Moving Avg:

Buy (2)

Sell (10)

Indicators:

Buy (0)

Sell (8)

USD/CAD

1.2798

-0.0038 (-0.30%)

Summary

↑ Buy

Moving Avg:

Buy (12)

Sell (0)

Indicators:

Buy (7)

Sell (1)

EUR/JPY

136.43

+1.42 (+1.05%)

Summary

↑ Sell

Moving Avg:

Buy (3)

Sell (9)

Indicators:

Buy (0)

Sell (10)

EUR/CHF

1.0318

+0.0022 (+0.22%)

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↑ Buy

Moving Avg:

Buy (10)

Sell (2)

Indicators:

Buy (10)

Sell (0)

Gold Futures

1,847.90

+5.80 (+0.31%)

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↑ Sell

Moving Avg:

Buy (3)

Sell (9)

Indicators:

Buy (2)

Sell (8)

Silver Futures

21.721

+0.047 (+0.22%)

Summary

Sell

Moving Avg:

Buy (3)

Sell (9)

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Buy (2)

Sell (5)

Copper Futures

4.3283

+0.0533 (+1.25%)

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↑ Sell

Moving Avg:

Buy (0)

Sell (12)

Indicators:

Buy (0)

Sell (7)

Crude Oil WTI Futures

110.09

-0.19 (-0.17%)

Summary

Buy

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Buy (6)

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Indicators:

Buy (6)

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Brent Oil Futures

110.24

+0.25 (+0.23%)

Summary

↑ Buy

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Buy (8)

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Indicators:

Buy (6)

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Natural Gas Futures

8.661

+0.483 (+5.91%)

Summary

↑ Buy

Moving Avg:

Buy (12)

Sell (0)

Indicators:

Buy (11)

Sell (0)

US Coffee C Futures

215.15

-0.70 (-0.32%)

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↑ Sell

Moving Avg:

Buy (0)

Sell (12)

Indicators:

Buy (1)

Sell (8)

Euro Stoxx 50

3,708.39

+51.36 (+1.40%)

Summary

↑ Buy

Moving Avg:

Buy (12)

Sell (0)

Indicators:

Buy (6)

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S&P 500

3,958.53

+57.17 (+1.47%)

Summary

↑ Sell

Moving Avg:

Buy (2)

Sell (10)

Indicators:

Buy (0)

Sell (9)

DAX

14,175.40

+193.49 (+1.38%)

Summary

↑ Buy

Moving Avg:

Buy (12)

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Indicators:

Buy (7)

Sell (0)

FTSE 100

7,513.44

+123.46 (+1.67%)

Summary

↑ Buy

Moving Avg:

Buy (12)

Sell (0)

Indicators:

Buy (8)

Sell (1)

Hang Seng

20,470.06

-247.18 (-1.19%)

Summary

Neutral

Moving Avg:

Buy (6)

Sell (6)

Indicators:

Buy (3)

Sell (4)

US Small Cap 2000

1,788.60

+20.25 (+1.15%)

Summary

↑ Sell

Moving Avg:

Buy (2)

Sell (10)

Indicators:

Buy (1)

Sell (10)

IBEX 35

8,625.80

+141.30 (+1.67%)

Summary

↑ Buy

Moving Avg:

Buy (12)

Sell (0)

Indicators:

Buy (6)

Sell (0)

BASF SE NA O.N.

49.735

+0.885 (+1.81%)

Summary

↑ Buy

Moving Avg:

Buy (12)

Sell (0)

Indicators:

Buy (8)

Sell (0)

Bayer AG NA

64.47

+0.73 (+1.15%)

Summary

↑ Buy

Moving Avg:

Buy (11)

Sell (1)

Indicators:

Buy (8)

Sell (0)

Allianz SE VNA O.N.

199.38

+3.80 (+1.94%)

Summary

↑ Buy

Moving Avg:

Buy (12)

Sell (0)

Indicators:

Buy (9)

Sell (1)

Adidas AG

175.48

+2.68 (+1.55%)

Summary

↑ Buy

Moving Avg:

Buy (12)

Sell (0)

Indicators:

Buy (8)

Sell (0)

Deutsche Lufthansa AG

6.903

+0.051 (+0.74%)

Summary

Neutral

Moving Avg:

Buy (8)

Sell (4)

Indicators:

Buy (2)

Sell (3)

Siemens AG Class N

116.70

+1.62 (+1.41%)

Summary

↑ Buy

Moving Avg:

Buy (9)

Sell (3)

Indicators:

Buy (7)

Sell (1)

Deutsche Bank AG

10.018

+0.656 (+7.01%)

Summary

↑ Buy

Moving Avg:

Buy (12)

Sell (0)

Indicators:

Buy (9)

Sell (0)

 EUR/USD1.0673↑ Sell
 GBP/USD1.2564↑ Sell
 USD/JPY127.82↑ Sell
 AUD/USD0.7099↑ Sell
 USD/CAD1.2798↑ Buy
 EUR/JPY136.43↑ Sell
 EUR/CHF1.0318↑ Buy
 Gold1,847.90↑ Sell
 Silver21.721Sell
 Copper4.3283↑ Sell
 Crude Oil WTI110.09Buy
 Brent Oil110.24↑ Buy
 Natural Gas8.661↑ Buy
 US Coffee C215.15↑ Sell
 Euro Stoxx 503,708.39↑ Buy
 S&P 5003,958.53↑ Sell
 DAX14,175.40↑ Buy
 FTSE 1007,513.44↑ Buy
 Hang Seng20,470.06Neutral
 Small Cap 20001,788.60↑ Sell
 IBEX 358,625.80↑ Buy
 BASF49.735↑ Buy
 Bayer64.47↑ Buy
 Allianz199.38↑ Buy
 Adidas175.48↑ Buy
 Lufthansa6.903Neutral
 Siemens AG116.70↑ Buy
 Deutsche Bank AG10.018↑ Buy
Mua/Bán 1 chỉ SJC
# So hôm qua # Chênh TG
SJC Eximbank6,890/ 6,990
(0/ 0) # 1,765
SJC HCM6,905/ 6,995
(0/ 0) # 1,769
SJC Hanoi6,905/ 6,997
(0/ 0) # 1,771
SJC Danang6,905/ 6,997
(0/ 0) # 1,771
SJC Nhatrang6,905/ 6,997
(0/ 0) # 1,771
SJC Cantho6,905/ 6,997
(0/ 0) # 1,771
Cập nhật 24-05-2022 00:08:50
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ↀ Giá vàng thế giới
$1,849.99+4.170.23%
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RON 95-V31.25031.870
RON 95-III30.65031.260
E5 RON 92-II29.63030.220
DO 0.05S25.55026.060
DO 0,001S-V26.35026.870
Dầu hỏa 2-K24.40024.880
ↂ Giá dầu thô thế giới
WTI$109.38+0.320.29%
Brent$110.48+0.060.05%
$ Tỷ giá Vietcombank
Ngoại tệMua vàoBán ra
USD23.005,0023.315,00
EUR23.899,8625.238,69
GBP28.277,1029.483,51
JPY176,47186,83
KRW15,8019,25
Cập nhật lúc 18:52:02 23/05/2022
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