Bank of America Corp and Capital One Financial Corp reported jumps in U.S. credit card charge-offs for December, suggesting consumers were stressed through the holiday shopping season.

But delinquency rates slipped at those companies as well as at Discover Financial Services , which broke ranks to report a decline in its default rate, according to regulatory filings.

Bank of America, the biggest U.S. bank, had the highest default and delinquency rates of the three companies that reported early on Friday.

The bank said its rate of charge-offs -- debts the company believes it will never collect -- rose last month to 13.53 percent from 13.00 percent in November, reversing a three-month decline.

Bank of America's credit card delinquencies -- an indicator of future loan losses -- fell to 7.44 percent last month from 7.69 percent in November.

Capital One said its annualized charge-off rate for U.S. credit cards rose to 10.14 percent in December from 9.60 percent in November.

However, credit card accounts that were at least 30 days delinquent fell to 5.78 percent from 5.87 percent at Capital One, the third-largest U.S. issuer of Visa-branded credit card and the fifth-largest issuer of MasterCard-branded credit cards.

Discover Financial said in a filing that its charge-off rate was 8.68 percent last month, down from 8.98 percent in November. The delinquency rate dropped as well, to 5.49 percent from 5.65 percent.

American Express Co , Bank of America Corp and Citigroup Inc report later in the day.

(Reporting by Jonathan Spicer and Chris Kaufman; Editing by Lisa Von Ahn)

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