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S&P/Experian Consumer Credit Default Indices Show Higher Composite Rate In January 2021 Bank Card Default Rate Increase Highest Since May 2020 News provided by Share this article Share this article NEW YORK, Feb. 16, 2021 /PRNewswire/  S&P Dow Jones Indices and Experian released today data through January 2021 for the S&P/Experian Consumer Credit Default Indices. The indices represent a comprehensive measure of changes in consumer credit defaults and show that the composite rate was two basis points higher at 0.48%. The bank card default rate rose nine basis points to 2.72%. The auto loan default rate was down eight basis points to 0.56% and the first mortgage default rate was up three basis points to 0.32%.

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