Based on total dollars past-due, credit card delinquency is holding steady compared to year-ago levels and has declined since the end of 2002. However, based on the number of accounts past-due, delinquency is up from 3.88% one year ago to 4.07%. In 2001, the first quarter delinquency rate, based on accounts past-due, was 2.99%. According to data gathered by the American Bankers Association, 1Q/03 credit card delinquency was 4.51%, compared to 4.63% for the last quarter of 2002, and 4.50% for 1Q/02. The ABA also reported last week that personal loan delinquencies rose to 3.13% in 1Q/03 from 3.04% in the previous quarter. Mobile home loan delinquencies rose from 5.52% in the fourth quarter 2002 to 6.16% in the first quarter. Late payments on home equity loans, based on the number of accounts, rose to 2.02% from 1.64%.