How is an increase from last month of .01% to this month at 3.2% surprisingly low? https://newsroom.transunion.com/as-covid-19-impacts-the-consumer-wallet--fed

How is an increase from last month of .01% to this month at 3.2% surprisingly low? https://newsroom.transunion.com/as-covid-19-impacts-the-consumer-wallet--federal-programs-and-lenders-provide-temporary-relief/ https://newsroom.transunion.com/as-covid-19-impacts-the-cons...