Key Takeaways COF's October data showed higher card NCOs at 4.77% and rising delinquencies now above pre-pandemic levels.Growing consumer strain and an 82% jump in provisions underscore pressure on COF's credit metrics.Loan growth and strengths in card operations and acquisitions help buffer COF against asset-quality weakness.Capital One (COF) is entering a more challenging credit environment as rising net charge-offs (NCOs) and delinquencies signal mounting pressure on its consumer portfolios. Per the late ...