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FICO – UK Card delinquency roll rates creep higher

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Balance roll rates — overdue balances on UK cards that go from one 30-day cycle to the next without repayment — moved slightly higher in 2018. Our analysis of data from 11 card issuers across the UK shows the areas that warrant attention from card issuers.

Average current to 1 cycle balance roll rates were at their highest in 2007, with 1 to 2 cycles and 2 to 3 cycles highest in 2010. Whilst 2018 values are noticeably lower than the peak, there has been growth from 2017, ranging from £2,039 to £2,817 dependent on the cycle.

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