Over the past 18 months, US banks and card issuers have been coping with the fallout of millions of overleveraged consumers defaulting on an increasing portion of their unsecured debt.

• 过去18个月来，美国数百万消费者入不敷出，非保障债务的拖欠比例也在日益上升，美国银行和发卡商一直在应付此事。