2025年10月,由于利率和价格高企,次级贷款自动贷款违约额达到30年之高,而信用卡支出在节假日购物时猛增。 Subprime auto loan defaults hit a 30-year high in October 2025 due to high rates and prices, while credit card spending surged on holiday shopping.

2025年10月次级贷款借款人的自动放贷率达到创纪录的6.65%,这是自1994年以来最高的,据惠誉公司称,受高利率、不断上涨的汽车价格和金融压力的驱动,这是自1994年以来的最高水平。 Auto loan delinquencies among subprime borrowers reached a record 6.65% in October 2025, the highest since 1994, according to Fitch Ratings, driven by high interest rates, rising car prices, and financial strain. 尽管如此,美国信用卡支出还是逐年上升了2.4%,这是2024年初以来最大的增长,反映了在节假日购物活动强劲。 Despite this, U.S. credit card spending rose 2.4% year-over-year, the largest increase since early 2024, reflecting strong holiday shopping activity. 消费者正在平衡增加的支出与紧缩的预算,面临通货膨胀、债务和就业市场疲软的压力,而抵押贷款申请也出乎意料地增加。 Consumers are balancing increased spending with tighter budgets, facing pressure from inflation, debt, and job market weakness, while mortgage applications also rose unexpectedly.