WASHINGTON – The American Banker's Association has reported that credit card delinquencies remained relatively flat in the third quarter of 2004 even as delinquency on other sorts of loans such as autos increased. "The results are mixed," said James Chessen, ABA's chief economist. "The slight improvement in credit card delinquencies leaves us cautiously optimistic. More than 95% of credit card customers are making timely payments. However, increased delinquencies with home equity loans and auto loans are an indication of ongoing financial stress for some consumers." Based on the number of credit card accounts, 4.26% (seasonally adjusted) were overdue in the third quarter, a slight decrease from 4.28% in the second quarter. Based on total dollars outstanding, bank card delinquencies edged higher to 4.36% in the third quarter from 4.33% (not seasonally adjusted) in the second quarter.