WASHINGTON - A report is showing that more Americans are keeping up with their credit-card payments.

The American Bankers Association says the percentage of bank-issued credit cards that were 30 days or more overdue fell to an 11-year low in the second quarter. That came as consumers keep a tighter grip on their finances amid economic uncertainty.

But the association says delinquencies rose on home-equity loans, home-equity lines of credit and home improvement loans in the April-June quarter. The association notes that it will take time for the recovery in the housing market to be reflected in lower delinquency rates.

Credit-card delinquencies in the second quarter fell below 3 percent of total accounts for the first time since 2001, reaching 2.93 percent. That's down from 3.08 percent in the first quarter.