https://www.creditorsbar.org/news/-credit-card-charge-offs-and-delinquencies-hit-13-year-high-are-they-peaking https://www.creditorsbar.org/news/-credit-card-ch

https://www.creditorsbar.org/news/-credit-card-charge-offs-and-delinquencies-hit-13-year-high-are-they-peaking https://www.creditorsbar.org/news/-credit-card-charge-offs-a... Basically what you already said but a little better connection in how moodys probably reported on it.