Credit card users are being more responsible about paying bills than we've seen in a decade.
That's according to a report by the American Bankers Association.
They found credit delinquencies dropped to their lowest level since 2001.
Less than three percent of all bank card accounts were overdue.
The ABA says consumers are saving more and borrowing less
However delinquencies on other kinds of debts are up.
The ABA found personal loans, r-v loans, home equity loans and even auto loans were getting worse.