Super prime credit-score holders grow to over 41% of consumers
Updated
Updated · The Wall Street Journal · May 6
Super prime credit-score holders grow to over 41% of consumers
10 articles · Updated · The Wall Street Journal · May 6
TransUnion said 15 million more consumers joined the above-780 tier over six years, with many new entrants from Gen Z by the first quarter of 2026.
Banks including Citigroup and American Express said stronger-credit customers supported earnings, as lenders pushed premium cards and larger credit lines toward higher-scoring borrowers.
The shift reflects stimulus-era savings, higher incomes and rising asset values, even as US credit-card debt hit $1.3 trillion and delinquencies, foreclosures and financial stress persisted for weaker borrowers.
As US credit debt hits a record high, are consumers becoming more financially responsible than ever before?
While banks court the rich with premium offers, is a permanent financial underclass being created for millions?
With record financial education, why does Gen Z feel their generation was set up for financial failure?