Credit card lenders in the US markets are seeing delinquencies creep up again after a brief respite in the Northern spring, according to the Wall Street Journal, with analysts warning of "negative surprises". Consumers tend to load up on debt around Christmas, then gradually fall behind as the year progresses. But analysts say loans have deteriorated more than expected, with credit problems "creeping up" as consumer debt has been rising faster than incomes. Capital One chief executive Richard Fairbank, for example, said he began slowing lending growth last year, having "surged with growth" in 2014 and 2015. Hawkish pro-financial services regulator Senator Elizabeth Warren wants the US Federal Reserve to remove Wells Fargo's board in response to the bank's fake account scandal. In a Senate hearing this year, Fed Chair Janet Yellen told Warren that the central bank has the power to remove directors. The influential Democrat, speaking to CNBC's "Mad Money" host Jim Cramer yesterday, argued that Wells Fargo's previous loan practices, which led to 3.5 million potentially unauthorised accounts being opened, (up from the 2.1 million originally identified) show lack of accountability, handing the Fed a chance to "step up" and prove it also cares about protecting consumers.