Credit card delinquencies crept up in September, while net charge-offs declined, according to the latest edition of Seeking Alpha’s Credit Pulse, released Thursday (Oct. 22).

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This report tracks monthly delinquency and charge-off rates at seven major credit card issuers, including American Express, Bank of America, Bread Financial, Capital One, Citigroup, JPMorgan and Synchrony.

The September report showed the average delinquency rate climbing to 2.62%, up from 2.51% in August. That’s also above the three-month average of 2.55%.

The average net charge-off rate declined to 2.09% in September, down from 2.15% in August. The September figure was also down from the three-month average of 2.12%, according to the report.

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“Against a backdrop of rising interest rates, consumers appear to be largely keeping up with payments, especially when looking at three-month moving averages,” the report said.

The September edition of the PYMNTS Consumer Expectations Index (PCEI), “Consumers Hold the Line as Their Financial Cushion Shrinks” found that while consumers are holding steady, their room for error is shrinking.

PCEI, which is a survey-based measure of U.S. consumer sentiment, fell 0.7 points to 54.1 in September as consumers’ views of the economy, buying conditions and job mobility weakened, according to the report.

The report found that rising living costs are diminishing how long consumers’ savings would last if their income stopped, even as consumers’ confidence in the ability to save are holding basically steady.

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