A lot banks are not fine. Credit card debt is only one problem. Auto loans are another problem and repos are through the roof. Yet another problem is commercial real estate mortgages. People are still working from home.
Credit card debt and auto loans are cyclical and have good and then bad periods as the economy does well and then craters when morons like Biden are in charge.
But commercial real estate is another issue. WFH has changed that forever and the country just does not need as much office space as before, along with the change in spending patterns in the big cities as far fewer workers are coming in 5 days a week to support restaurants etc. Similar to as when light industry and manufacturing moved out of the cities it will take decades for other things to replace those spaces and for some cities they may never be replaced.
All those pickup trucks with $1k+ monthly payments will do that!