January 9, 2021

Changing Climate in the Consumer Lending Marketplace: What We’re Seeing and Hearing​

Jim Stewart

Jim Stewart

CEO, Epic Research

Three Things We’re Hearing

A four-minute read

Why Delinquencies Remain Low and Payments High

% Change in Unemployment VS Card Delinquency 20200109
SEVERE credit card DELINQUENCY vs. balances
Americans' Personal Income (1)
Americans' Spending (1)

Co-brand Credit Card Mail Volume Rebounds

Credit Card – Direct Mail Volume by Month 20210109 (1)
Credit card DIRECT MAIL VOLUME BASED ON LENDERS 20210109 (1)
2020 Credit Card Monthly Mail Volume - by Segment
2020 CC Monthly Mail Vol. - by Co-Brand Sub-Segment

Personal Loan Mail Volume – More of the Same

PERSONAL LOAN DIRECT MAIL VOLUME YOY 20210109
PERSONAL LOAN DIRECT MAIL top lenders by month 20210109
Top personal loan Mailers – November 2020

Quick Takes

KBW Bank Index (1)
Credit Conditions

Thank you for reading.

The next Epic Report will publish in two weeks on January 23rd.  

Email me with your comments and suggestions on future topics or to have someone added to our distribution list.

Jim Stewart
www.epicresearch.net

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