We believe that customers are continuing to manage their spending needs and payment obligations amidst . The challenges of a persistent inflationary environment and an uncertain economic backdrop.”executive vice president and . Cfo brian wenzel said on the call that the company’s -plus delinquency rate was , . A decline of from in the prior year. The net charge-off rate was up slightly, . To .As for guidance, “we continue to expect purchase volume growth to be impacted by .
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Our previous credit actions and selective customer argentina phone number data spend behavior, and that payment rate will remain . Generally in line with levels,” said synchrony’s cfo, noting that loan receivables should be ahead . By the low single-digit percentage points.Shares were flat in intraday trading.Asked later on the call . About credit trends, doubles said synchrony executives felt “pretty constructive around the consumer and the . Trends that we’re seeing right now. I think our credit team did a fantastic job .
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Navigating the last two years. I think the if you are constantly experiencing investments that we made in our prism . Proprietary underwriting system are certainly paying off. It was great to see us turn the . Corner on delinquencies … credit is trending better than we expected.”doubles said, too, that, with . The first few weeks of april, “it’s important just to differentiate between all of the . Uncertainty in the market and the macroeconomic future and what people are predicting and what .
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We’re seeing right now in terms of the health of the consumer. The uncertainty is . Clearly out there. It’s impacting consumer confidence, but at south africa numbers this point, it’s not impacting what . Consumers are actually doing. Spend levels are still pretty strong.”and, he said, “average tickets were . Down a little bit, but frequency was up. And I think what can’t get lost . In all this is that that moderation in spending patterns is actually a positive in .
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Terms of credit. We actually are encouraged by that pullback because consumers are not overextending, . They’re being disciplined. So overall, we’re very pleased with the trends that we’re seeing.”recommendedsynchrony ceo: . Credit metrics strong as consumers ‘are being disciplined’affirmaffirm to report all pay-over-time loans to transunioncrypto . Regulationscrypto firms chase bank charters as circle launches stablecoin orchestration layertall buildingsma activity remains quiet . Amid uncertainty about new administrationsee more in: consumer finances, consumer spending, credit, credit cards, earnings, .