Net Percentage of Other Domestic Banks Increasing Spreads of Interest Rates Over Banks' Cost of Funds on Credit Card Loans
SUBLPDCLCTSOTHNQ • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
-3.60
Year-over-Year Change
N/A%
Date Range
1/1/1996 - 7/1/2025
Summary
Measures changes in credit card loan interest rate spreads for domestic banks. Provides critical insights into consumer lending practices and bank profitability.
Analysis & Context
This economic indicator provides valuable insights into current market conditions and economic trends. The data is updated regularly by the Federal Reserve and represents one of the most reliable sources for economic analysis.
Understanding this metric helps economists, policymakers, and investors make informed decisions about economic conditions and future trends. The interactive chart above allows you to explore historical patterns and identify key trends over time.
About This Dataset
This indicator tracks how banks adjust credit card loan interest rates relative to their funding costs. It reflects bank pricing strategies and market conditions.
Methodology
Surveys collect net percentage changes in credit card loan interest rate spreads.
Historical Context
Used by economists to analyze consumer credit markets and bank revenue strategies.
Key Facts
- Indicates bank lending profitability
- Reflects consumer credit market conditions
- Shows bank risk management strategies
FAQs
Q: What does this economic indicator measure?
A: It tracks changes in credit card loan interest rate spreads for domestic banks. Reveals lending pricing strategies.
Q: Why are interest rate spreads important?
A: They show how banks manage risk and maintain profitability in consumer lending markets.
Q: How often is this data updated?
A: Typically updated quarterly through Federal Reserve banking surveys.
Q: What do increasing spreads indicate?
A: Banks perceive higher risk in credit card lending, potentially increasing borrowing costs for consumers.
Q: Can this indicator predict economic trends?
A: It provides insights into consumer credit markets and potential economic pressures.
Related Trends
Net Percentage of Other Domestic Banks Tightening Standards for Commercial and Industrial Loans to Small Firms
SUBLPDCISSOTHNQ
Number of Large Domestic Banks That Reported Weaker Commercial and Industrial Loan Demand and Reported That Increased Customer Internally Generated Funds Was Not an Important Reason
SUBLPDCIRWGNLGNQ
Number of Domestic Banks That Eased and Reported That Improvement in Current or Expected Liquidity Position Was a Very Important Reason
SUBLPDCIRELVNQ
Number of Other Domestic Banks That Eased and Reported That Improvement in Current or Expected Liquidity Position Was Not an Important Reason
SUBLPDCIRELNOTHNQ
Number of Large Domestic Banks That Tightened and Reported That Deterioration in Current or Expected Capital Position Was Not an Important Reason
SUBLPDCIRTCNLGNQ
Number of Large Domestic Banks That Eased and Reported That Reduced Concerns About the Effects of Legislative Changes, Supervisory Actions, or Changes in Accounting Standards Was a Very Important Reason
SUBLPDCIREEVLGNQ
Citation
U.S. Federal Reserve, Net Percentage of Other Domestic Banks Increasing Spreads of Interest Rates Over Banks' Cost of Funds on Credit Card Loans (SUBLPDCLCTSOTHNQ), retrieved from FRED.