Consumer Credit \u2013 Worse Than You Think | The Big Picture<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"Take out government-owned student loans and there has been virtually no rebound in consumer credit since the Great Recession ended. Restated, the consumer has not been borrowing since the Great Recession has ended. Rather, students took advantage of below-market rates on loans provided by the government starting in 2009…….\u201cMost of the improvement in credit is … <\/p>\n
Continue reading “Consumer Credit \u2013 Worse Than You Think | The Big Picture”<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_mo_disable_npp":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[5,34],"tags":[795,3272,3531],"class_list":["post-4327","post","type-post","status-publish","format-standard","hentry","category-economy","category-us-canada-countries-regions","tag-consumer-credit","tag-student-loans","tag-unemployment"],"yoast_head":"\nConsumer Credit \u2013 Worse Than You Think | The Big Picture - the patient investor<\/title>\n<meta name=\"robots\" content=\"noindex, follow\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Consumer Credit \u2013 Worse Than You Think | The Big Picture - the patient investor\" \/>\n<meta property=\"og:description\" content=\"Take out government-owned student loans and there has been virtually no rebound in consumer credit since the Great Recession ended. 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But Liz Ann Sonders at Schwab released a report today which highlights how higher interest rates are affecting consumers. First, credit card interest rates\u2026","rel":"","context":"In "Banks & Interest Rates"","block_context":{"text":"Banks & Interest Rates","link":"https:\/\/thepatientinvestor.com\/index.php\/category\/economy\/the-fed-banks-interest-rates\/"},"img":{"alt_text":"Credit Card Interest Rates","src":"https:\/\/i0.wp.com\/www.incrediblecharts.com\/images\/2024\/2024-05-13-creditcardrates-ezgif.com-avif-to-gif-converter%282%29.gif?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.incrediblecharts.com\/images\/2024\/2024-05-13-creditcardrates-ezgif.com-avif-to-gif-converter%282%29.gif?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/www.incrediblecharts.com\/images\/2024\/2024-05-13-creditcardrates-ezgif.com-avif-to-gif-converter%282%29.gif?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/www.incrediblecharts.com\/images\/2024\/2024-05-13-creditcardrates-ezgif.com-avif-to-gif-converter%282%29.gif?resize=700%2C400&ssl=1 2x"},"classes":[]},{"id":1212,"url":"https:\/\/thepatientinvestor.com\/index.php\/2011\/10\/08\/u-s-consumer-credit-fell-9-5-billion-in-august-biggest-drop-in-a-year-bloomberg\/","url_meta":{"origin":4327,"position":1},"title":"U.S. Consumer Credit Fell $9.5 Billion in August, Biggest Drop in a Year – Bloomberg","author":"ColinTwiggs","date":"October 8, 2011","format":false,"excerpt":"Consumer credit in the U.S. unexpectedly dropped in August by the most in over a year. The $9.5 billion decrease followed an $11.9 billion increase the previous month, the Federal Reserve said today in Washington. Non-revolving credit, which includes student loans and financing for automobile purchases, slumped by the most\u2026","rel":"","context":"In "US & Canada"","block_context":{"text":"US & Canada","link":"https:\/\/thepatientinvestor.com\/index.php\/category\/countries-regions\/us-canada-countries-regions\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":22587,"url":"https:\/\/thepatientinvestor.com\/index.php\/2020\/11\/11\/low-interest-rates-no-free-lunch\/","url_meta":{"origin":4327,"position":2},"title":"Low interest rates: No free lunch","author":"Colin Twiggs","date":"November 11, 2020","format":false,"excerpt":"Total assets of commercial banks in the US spiked up by $2.5 trillion (T) in the three months ending April 2020. Since then, total assets have contracted slightly (-$117bn) but, while total assets have hardly changed, this hides some far sharper changes in the composition. Consumers Consumer loans fell sharply\u2026","rel":"","context":"In "Banks & Interest Rates"","block_context":{"text":"Banks & Interest Rates","link":"https:\/\/thepatientinvestor.com\/index.php\/category\/economy\/the-fed-banks-interest-rates\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":52731,"url":"https:\/\/thepatientinvestor.com\/index.php\/2024\/05\/13\/us-consumer-incomes-and-credit-card-debt\/","url_meta":{"origin":4327,"position":3},"title":"US consumer incomes and credit card debt","author":"Colin Twiggs","date":"May 13, 2024","format":false,"excerpt":"Many market commentators talk about the struggling US consumer, with rising costs forcing them to take on expensive debt, but this is not borne out by the data. Real disposable personal income per capita (blue below) reached $50.4K in March, compared to the pre-pandemic peak of $48K in Feb 2020.\u2026","rel":"","context":"In "Debt Levels"","block_context":{"text":"Debt Levels","link":"https:\/\/thepatientinvestor.com\/index.php\/category\/economy\/debt-levels\/"},"img":{"alt_text":"Real Disposable Personal Income Per Capita & Government Transfers","src":"https:\/\/i0.wp.com\/www.incrediblecharts.com\/images\/2024\/2024-05-12-realdspi-percapita.png?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.incrediblecharts.com\/images\/2024\/2024-05-12-realdspi-percapita.png?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/www.incrediblecharts.com\/images\/2024\/2024-05-12-realdspi-percapita.png?resize=525%2C300&ssl=1 1.5x"},"classes":[]},{"id":42013,"url":"https:\/\/thepatientinvestor.com\/index.php\/2023\/05\/10\/more-signs-of-credit-tightening\/","url_meta":{"origin":4327,"position":4},"title":"More signs of credit tightening","author":"Colin Twiggs","date":"May 10, 2023","format":false,"excerpt":"The Fed loan officers survey for Q2 shows credit conditions are growing tighter. The percentage of banks tightening credit standards increased to 46% -- readings above 20% warn of a recession. Credit demand from borrowers is also falling, with demand for commercial and industrial loans falling to recession levels at\u2026","rel":"","context":"In "Banks & Interest Rates"","block_context":{"text":"Banks & Interest Rates","link":"https:\/\/thepatientinvestor.com\/index.php\/category\/economy\/the-fed-banks-interest-rates\/"},"img":{"alt_text":"Loan Officers Survey","src":"https:\/\/i0.wp.com\/www.incrediblecharts.com\/images\/2023\/2023-05-09-credittightening.png?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.incrediblecharts.com\/images\/2023\/2023-05-09-credittightening.png?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/www.incrediblecharts.com\/images\/2023\/2023-05-09-credittightening.png?resize=525%2C300&ssl=1 1.5x"},"classes":[]},{"id":44018,"url":"https:\/\/thepatientinvestor.com\/index.php\/2023\/09\/09\/confirmation-bias\/","url_meta":{"origin":4327,"position":5},"title":"More delay until recession","author":"Colin Twiggs","date":"September 9, 2023","format":false,"excerpt":"We have been barraged lately with opinions from respected market commentators -- like David Rosenberg and Steph Pomboy (Macro Mavens) -- warning of an imminent recession. 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