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Credit Trends Show Super-Prime Dominance Amid Economic Concerns

9/23/2025

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Summary

Story summary

A dv01 report finds stable unsecured personal credit originations from 2021–2025 limited to super-prime and subprime borrowers only.
Higher-income borrowers dominate credit card spending, with super-prime share rising from 70% to 83% since 2010 in aggregate.
Economists warn that high-earner spending pullback could lead to inflation or rising unemployment; BLS reports 4.3% unemployment and Fed cut rates 25 bps.

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Story summary

A dv01 report finds stable unsecured personal credit originations from 2021–2025 limited to super-prime and subprime borrowers only.
Higher-income borrowers dominate credit card spending, with super-prime share rising from 70% to 83% since 2010 in aggregate.
Economists warn that high-earner spending pullback could lead to inflation or rising unemployment; BLS reports 4.3% unemployment and Fed cut rates 25 bps.