LOS ANGELES (AP) — New data show Americans remain stingy about carrying credit card balances and are making more of an effort to make timely payments.

Credit reporting agency TransUnion said Tuesday that the rate of U.S. credit card payments at least 90 days overdue fell in the second quarter to 0.57 percent from 0.63 percent a year earlier.

That's the lowest level in nearly 20 years and the second-lowest card delinquency rate on TransUnion's records, which date back to 1992.

The latest rate also was down versus the first quarter.

Many Americans paid down balances during the Great Recession and are reluctant to take on credit card debt.

Average credit card debt per borrower was flat compared to the prior-year quarter, but ticked up from the first three months of this year.

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