1 link away: > the U.S. as a whole has about $900 billion in credit card debt. a balance of $3,000 per American is actually less than I would have guessedhttps://twitter.com/ByrneHobart/status/1389565798050680834 …
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less than half of US households carry a balance https://www.creditcards.com/credit-card-news/credit-card-debt-statistics-1276/ …pic.twitter.com/uqdBcFRiAK
Truncated distribution. Banks aggressively pursue, then if failing to collect, they close the account and write off losses relatively quickly. Worst offenders often have no ability to get further credit for many years. This limits bank downside.
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