“Once the dust settles, this is going to be a story of inequality,” said Matthew Harding, professor of Economics and Statistics at UC Irvine. … After the 2008 crisis, credit card debt spiked. So did the share of U.S. borrowers late on repayments. By late 2009, roughly 12% of American household debt was delinquent, the highest rate ever recorded. “When we worry about the averages, we miss a lot,” said Harding of UC Irvine.

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