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If you mean late in payments the national average was 18%. Foreclosures on homes this year with loans from a bank are at a all time high of 50% higher now than all of last years foreclosures.
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I don't know if there is an "average" credit card defaulter. Some are in tough times because of a job loss. Some are having trouble making ends meet when their mortgage interest rates rise (because they didn't have a fixed-rate loan). Some are simply disregard their obligations. Some are over their heads in debt and can't even make the monthly minimum payments. Some have an emergency (health scare, car repair, home repair, etc.) come up and they put off the credit card bills. There are many different circumstances. "Maxed Out: Hard Times, Easy Credit and the Era of Predatory Lenders" by James Scurlock is both a book and a documentary film that explores some individual stories of those in debt.
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