JPMorgan has long been hampered by weakness in their large credit card division, but that business showed improving trends as it reported 5.62% of those loans were behind more than 30 days which is far better than the 6.28% seen just a quarter ago.
The particulars are far less important than the logic behind them: efficiency requires recognizing that different types of days required different types of schedules, and working out the nitty-gritty in advance allows better use of whatever time you do have.