| Rising delinquencies reduce cash inflow from debt payments and increase collection expenses. |
| Consumer lending was strong, but there were some increases in consumer and business loan delinquencies. |
| Capital One is targeting customers with better credit as a way to stem delinquencies and defaults. |
| Notably, delinquencies rose in all four regions during the fourth quarter. |
| The delinquencies of the peace process must not be adverted to in public. |
| However, an increase in total consumer debt increases revolving delinquencies. |
