Data through September 2014, released by S&P Dow Jones Indices and Experian for the S&P/ Experian Consumer Credit Default Indices, a comprehensive measure of changes in consumer credit defaults, showed an uptick in default rates. The national composite posted 1.04% in September, up three basis points from July 2014's historical low For the second consecutive month, the first mortgage default rate rose, to 0.93% in September. The second mortgage default rate rose one basis point to 0.52%, which was its first increase since April 2014. The bank card rate decreased for the third consecutive month, declining by 10 basis points to 2.63%. "Default rates for bank cards reversed an increase seen in the first half of 2014 while defaults on first mortgages and auto loans appear to have bottomed out over the summer. However, none of these movements are very large," says David M. Blitzer, Managing Director and Chairman of the Index Committee for S&P Dow Jones Indices. "Despite their slight increase, default rates are still near the lows seen before the 2007- 2009 recession and financial crisis."
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机译：标普道琼斯指数和Experian发布的截至2014年9月的数据显示，S＆P / Experian消费者信用违约指数是衡量消费者信用违约变化的综合指标，显示违约率有所上升。 9月份全国综合指数为1.04％，较2014年7月的历史低点上升了三个基点。9月份，首个抵押贷款违约率连续第二个月上升至0.93％。第二抵押贷款违约率上升一个基点至0.52％，这是自2014年4月以来的首次上升。银行卡利率连续第三个月下降，下降了10个基点至2.63％。 David M. Blitzer说：“银行卡的违约率扭转了2014年上半年的上升趋势，而第一按揭和汽车贷款的违约率似乎在夏季已经触底反弹。但是，这些动向都没有很大。”标普道琼斯指数执行董事兼指数委员会主席。 “尽管违约率略有增加，但仍接近2007-2009年经济衰退和金融危机之前的低点。”
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