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When card holders’ extra payments begin falling and their balances rise, it’s a good sign that they are at risk for serious delinquency within a year, according to a TransUnion study released Thursday.

The study, “Detecting Early Indicators of Liquidity Shortage in Managing Card Portfolio,” tracked the liquidity situations of 5.9 million card holders from September 2019 to December 2021. It compared two groups: The study group, which started the study current on card payments, but fell more than 90 days past due in payments at some point over the next 27 months, and the control group, which remained current throughout.

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Jim DuPlessis

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