Even though more nationwide consumers are paying their credit card payments on time, mortgage delinquencies of 60-days or more have increased since 2007, according to an Experian report.

The report found that 20% fewer credit card payments are 60 days late, but 25% of mortgage delinquencies are not being paid within the same time frame.

Of the top 30 metropolitan statistical areas ranked in the report, only four markets saw improvements in their mortgage payments including Cleveland, Minneapolis, Denver and Detroit. Detroit had the highest change with a 17.1% decline in mortgage delinquencies, the report said.

Experian reported that Portland had the largest increase in mortgage delinquencies since 2007 at 99.9%. Phoenix experienced the second biggest change in delinquent payments at 78.4%, followed by Baltimore at 66.8%, Seattle at 65.1% and New York rounding out the top five at 49.4%.

The cities that showed the most progress in credit card payments were Cleveland at 34.7%, San Antonio at 30.5%, Cincinnati at 30%, Dallas at 28.8% and Houston at 26.6%.

The least improvement in credit card payments was seen in Miami with an increase of 1.4%, followed by Phoenix at 2.4%, Tampa at 5.3%, Seattle at 8% and a 9.4% change in Riverside, Calif.

“Even in the cities at the bottom of the list, consumers are meeting their bankcard payment obligations better than before the recession,” said Michele Ranieri, vice president of analytics at Experian. “While the data shows an overall improvement to these 60-day delinquencies, as much as a 30% improvement is seen in the key Texas cities, which is a positive sign in what has been a slow economic recovery.”

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