For the first time in 10 years, the national credit card delinquency rate fell from the previous quarter, more evidence that Americans are trying to pay down their debt as the recession continues to claim jobs. The share of U.S. credit card holders who are 90 or more days delinquent fell to 1.1% in Q3, down from 1.17% in Q2, according to a new report by TransUnion, one of the leading credit-reporting agencies.