Financial authorities have prolonged the window for banks and asset managers to offload underperforming personal loans, a move coming as credit card delinquencies continue climbing. The extension reflects mounting pressure in the retail credit segment—defaults on unsecured consumer debt have been trending upward, signaling tighter household finances. For those tracking macro conditions, this policy shift hints at potential liquidity strains in traditional banking channels. Asset managers are getting more runway to clean up their books, but the underlying trend of rising defaults suggests broader economic headwinds worth monitoring. The timing matters too: as regulators extend relief measures, it underscores concerns about consumer credit health that could ripple across financial markets.