The Mass Credit Market is a large segment of employed, lower middle class, mainly female workers. 82% of consumers in this segment hold a retail account, making up half of all retail accounts. On average, this segment is 3.7 months overdue on retail accounts, and hold 53% of the total overdue balance.
(https://bit.ly/2XtwCcU, https://bit.ly/3k9jUr8)