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TeachMeFinance.com - explain slow consumer credit slow consumer credit -- Office of Thrift Supervision regulations define slow consumer credit as closed-end consumer credit accounts 90 to 119 days delinquent, and open-end consumer credit accounts delinquent 90 to 179 days. About the author Mark McCracken Author: Mark McCracken is a corporate trainer and author living in Higashi Osaka, Japan. He is the author of thousands of online articles as well as the Business English textbook, "25 Business Skills in English". Copyright © 2005 by Mark McCracken, All Rights Reserved. TeachMeFinance.com is an informational website, and should not be used as a substitute for professional financial or legal advice. TeachMeFinance.com and its owner recommend consultation with a professional financial advisor prior to any investment or financial decision. Please read our disclaimer.