Credit reporting agency TransUnion says the rate of U.S. credit card payments at least 90 days overdue fell to 1.16 percent in the April-June quarter.
That's the lowest level in at least seven years.
The credit card delinquency rate is down from 1.27 percent in the second-quarter last year. It peaked in the first quarter of 2009 at 3.12 percent.
TransUnion's data set goes back to 2007.
Average card debt per borrower edged up from a year ago to $5,234.
Americans still have a limited appetite for debt after gorging themselves on sub-prime mortgages and credit cards before recession in late 2007.