U.S. consumer confidence surges, beating forecasts by double digits — but buy now, pay later firms report rising delinquencies.

Serious Delinquencies (90+ day unpaid balances) are rising across the board, including Mortgages, Home Equity Credit Lines, Auto Loans, Credit Cards, and Student Loans
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Consumers fearful of their future employment prospects probably won't be signing on the dotted line to buy a new house
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About 1 in 4 Americans are "functionally unemployed," researcher says
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