We thought we’d check on credit card delinquency rate percentages. Sometimes you just forget and a payment slips through the cracks. And well do you know the next month when you get hammered with the HUGE late fee. Credit card delinquencies are at 4.39 percent. So you are not alone.

Checking the overall delinquency rate, including auto and home equity loans is only 2.27 percent according to a September 27 Investment Business Daily report. So what should this all mean to you? It seems like the economy is strong and Americans are just a little forgetful.