Marketplace · Tuesday, July 14, 2026
Industry consultant Maryl J. Reynolds highlighted that credit card delinquencies are a key indicator to watch for potential economic trouble. He advised that credit card debt should ideally not exceed 30% of available credit to avoid negatively impacting credit scores and future borrowing costs.
“Reynolds is also going to be watching to see whether people fall behind on their payments. Then you got to start worrying about people paying their mortgages and people paying their car loans and those types of things. He says credit card delinquencies are an early sign of problems with the economy.”
“He says, as a rule of thumb, a person's credit card debt shouldn't be more than 30% of their available credit, or their credit score could get dinged.”