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      "text": "28 Day Average Quarterly Delinquency Rate\n3.21% 1Q19, 3.99% 2Q19, 4.32% 3Q19, 4.20% 4Q19, 3.06% 1Q20, 3.52% 2Q20, 4.88% 3Q20, 5.93% 4Q20, 3.56% 1Q21, 4.47% 2Q21, 4.20% 3Q21, 3.48% 4Q21, 3.27% 1Q22, 3.67% 2Q22, 4.07% 3Q22",
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      "text": "3% y-o-y reduction in DQ rate understates improvement in credit performance given how fiscal stimulus supported consumer credit through 2021.",
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      "text": "Note: See Glossary for the definition of 28 Day Average Quarterly Delinquency Rate",
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