Delinquency rates dropped in most significant US banks for the month of December as consumers made quick repayment of their loans. Delinquency rate rose partially at Citigroup while it was unchanged at AmEx. Charge-offs increased for Bank of America, Resources One and also Citigroup while they succumbed to JPMorgan, AmEx & Discover.

Net charge-off rate Delinquency rate.

Dec 2014 Nov 2014 Dec 2014 Nov 2014

JPMorgan Chase 2.56 2.61 1.32 1.34 American Express 1.3 1.4 1.0 1.0

Bank of America 3.13 3.08 1.85 1.91 Capital One Financial 3.53 3.47 3.27 3.36

Discover Financial 1.69 1.87 1.48 1.52 Citigroup 2.79 2.37 1.56 1.52