The tracking rate of credit cards in 2024 is at a five-year high!

Credit Card Non-Performing Rate Rises to 4.8%

According to the data from the Banking Regulation and Supervision Agency (BDDK), as of January 23, 2024, the non-performing conversion rate for individual credit cards has increased to 4.8%. The overall non-performing rate for the sector has been recorded at 2.6%.

Personal Loans Also Draw Attention

According to BDDK data, the non-performing conversion rate for personal loans has reached a peak of 5.5%. Credit cards closely follow this rate, and after the low levels observed in 2023 and 2024, a noticeable increase has been observed in both categories over the past year.

Trend Shift After 2023!

Non-performing rates showed a decline in 2022 and 2023 after the high levels in 2020. However, these rates began to rise again starting from 2024, showing a rapid increase from the beginning of 2025 until January 2026 in both personal loans and individual credit cards.