[…] Card delinquencies and charge-offs offer evidence of the struggles of meeting current obligations. They can also be a harbinger of spending slowdowns in the future. The latest data from credit card giants, disclosed in SEC filings in recent days, show that card delinquencies were on the rise headed into the holiday shopping season, specifically into November and right into Black Friday and Cyber Monday. Discover and Capital One, financial services firms that have long had significant presence with prime, near prime and subprime consumers, have disclosed their own data with similar results. Discover reported that 81% of credit card loans were made to borrowers with FICO scores 660 or above. The remaining 19% of loans would have been made to borrowers with subprime credit. The company noted in the filing that historically, delinquency rates and charge-offs are higher for consumers with lower FICO scores. [PYMNTS] …