* US credit card charge-offs up marginally to 8.38 pct
* US credit card delinquencies fall slightly to 4.53 pct
Oct 15 (Reuters) - Capital One Financial Corp's (COF.N) U.S. credit-card defaults rose marginally in September, in a sign that more Americans may be struggling to pay their debts.
In a regulatory filing, Capital One said the annualized net charge-off rate -- debts the company believes it will never collect -- for U.S. credit cards was 8.38 percent in September from 8.19 percent in August.
Capital One, the third-largest U.S. issuer of Visa-branded credit cards and the fifth-largest issuer of MasterCard-branded credit cards, said accounts at least 30 days delinquent -- an indicator of future loan losses - declined slightly to 4.53 percent from 4.56 percent.
For U.S. auto loans, Capital One's charge-off rate was 2.77 percent in September, up from 2.75 percent in August, while the delinquency rate fell to 7.95 percent from 8.04 percent.
In credit card international operations, including Canada and Britain, the charge-off rate decreased to 7.31 percent from 7.62 percent, and the delinquency rate was 5.84 percent, up from 5.82 percent.
Capital One routinely kicks off the monthly reporting of credit card charge-offs.
JPMorgan Chase & Co (JPM.N), Bank of America Corp (BAC.N), Citigroup Inc (C.N), American Express Co (AXP.N) and Discover Financial Services (DFS.N) are expected to report the monthly performance of their credit card portfolios later on Friday.
Shares of McLean, Virginia-based Capital One closed at $39.90 on Thursday on the New York Stock Exchange. They have been roughly flat since the company reported its charge-off and delinquency rates for August about a month ago.
Reporting by Brenton Cordeiro in Bangalore