Card delinquencies and charge-offs offer evidence of consumers struggling to meet their financial obligations.Credit card balances and delinquencies have been rising as consumer spending remains strong, but government support drops from pandemic levels, with all stages of delinquency approaching their highest levels of the past decade-plus.Delinquencies occur when borrowers fail to make payments on their debts by the due date. A delinquency is essentially a late payment.The next step after a delinquency is ...