Credit cards are the ‘canary in the coal mine’ for the economy and overall delinquencies. Below is the rate of change in delinquencies (an early indicator).

It is fairly noisy but is the first loan item to go delinquent.

And the overall level is below. (5% seems to be the crossover point)

They are rising but aren’t near 5% yet! Hence, 2020 is the year for the crossover.