Credit Cards Market Research Reports & Industry Analysis

A credit card can be used to purchase goods or services based on an agreement between the company issuing the card and the card holder. Companies assign a line of credit to the card holder, based on income and credit scores. The line of credit represents the maximum that the cardholder is allowed to borrow. The cardholder agrees to repay the lender for goods or services purchased on the card, and to make payments over time. In return for these privileges the credit card company charges interest on the balance which the card holder carries. Credit cards are a convenience service offered by a lending company. A credit card allows a limited loan to be made very quickly. Many consumers find carrying credit cards to be more convenient than carrying cash. Credit card companies may offer incentives to card holders, such as points to be redeemed for rewards such as airline tickets or products, or they may offer insurance or warranties on some types of products purchased with a credit card. Consumers who use credit cards may encounter some challenges. Introductory interest rates are normally low, but once the introductory period is over, fees and interest can be much higher. Rates may go up further if a payment is late or the credit card holder misses a payment. There are benefits to merchants who accept credit cards. A credit card transaction is more secure than some other forms of payment, such as a check. However, credit card transactions are subject to a commission, normally a percentage of the transaction total.
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Credit Cards Industry Research & Market Reports

  • Pre-Paid Cards in Chile

    ... is likely to continue, positioning open loop cards as the preferred payment method. In contrast, closed loop cards are in steady decline, largely attributed to the superior convenience and flexibility of their open loop counterparts. ... Read More

  • Consumer Credit in Saudi Arabia

    ... the overall lending market, they are projected to rise considerably due to several key factors. One major driver is the Kingdom's Vision 2030 initiative, which emphasises the importance of a highly educated and skilled workforce. ... Read More

  • Consumer Credit in Italy

    ... credit facilities have been buoyed by falling interest rates, the sustained easing of inflationary pressures and the resilient performance of the domestic economy. These conditions have boosted confidence and spending among consumers, making them more ... Read More

  • Charge Cards in Saudi Arabia

    ... not come with a pre-set spending limit, meaning users can access the funds they need even if that amount fluctuates significantly from month to month. This flexibility allows charge cardholders to better manage their purchasing ... Read More

  • Store Cards in Chile

    ... greater flexibility. Consequently, store cards are becoming niche products, appealing mostly to lower socioeconomic segments and customers seeking specific retail promotions. Euromonitor International's Store Card Transactions in Chile report establishes the size and structure of ... Read More

  • Credit Cards in Saudi Arabia

    ... aimed at introducing innovative credit card offerings and advanced payment solutions across the Kingdom. A key example is Mastercard’s collaboration with the digital payments technology company Loop. This partnership includes issuing Bank Identification Numbers (BINs) ... Read More

  • Financial Cards and Payments in Saudi Arabia

    ... payments is a direct result of the Saudi government's push towards a cashless society, encouraging consumers to transition from cash to electronic payment solutions. While cash has traditionally been the preferred payment method in Saudi ... Read More

  • Financial Cards and Payments in Chile

    ... Fintech Law is also reshaping the landscape, fostering competition and promoting financial inclusion by allowing new players to enter the space. Ratified by the Ministry of Finance on 4 January 2023, the Fintech Law set ... Read More

  • Thailand Cards and Payments: Opportunities and Risks to 2028

    ... provides values and volumes for a number of key performance indicators in the industry, including credit transfers, cash, cards, direct debits and cheques during the review-period (2020-24e). The report also analyzes various payment card markets ... Read More

  • Credit Cards in Brazil

    ... to 2021 and 2022, and growth is set to slow further in 2024, to the single digits. In 2023, the number of credit card transactions surpassed the number of debit card transactions for the first ... Read More

  • Credit Cards in Mexico

    ... economy. Inflation rates have declined from the heights of 2022, but they remain high by recent historical standards, while the prices of essential goods and services continue to rise. In addition, as the global geopolitical ... Read More

  • Store Cards in Brazil

    ... especially true for lower-income consumers, who face constrained budgets and greater difficulty accessing credit cards. Store cards represent a way to build customer loyalty, as these consumers tend to prefer stores that offer an established ... Read More

  • Charge Cards in Brazil

    ... revolving credit in charge cards limits their adoption. The Brazilian market values instalment payments, a feature widely available in credit cards. Consequently, the number of charge cards in circulation has been declining year after year ... Read More

  • Store Cards in Mexico

    ... stores to capitalise on customers willing to spend more. An example is El Palacio de Hierro, a luxury department store; in 2023 it was reported that Grupo Palacio de Hierro’s total consolidated revenues increased by ... Read More

  • Pre-Paid Cards in Mexico

    ... to keep citizens in favour of a certain political party. Thus, in this year the government of Nuevo León launched a permanent programme that includes the recharging of 15 monthly trips on 1.5 million cards, ... Read More

  • Charge Cards in Mexico

    ... With low unemployment rates and an increase in the minimum wage, Mexicans find in charge cards an attractive payment alternative, as they fully repay their debt at the end of each month, enabling them to ... Read More

  • Financial Cards and Payments in Brazil

    ... to implement agile and sophisticated measures to survive in an environment hostile to economic activities. Such developments positively impact Brazilian financial institutions to this day, allowing the development of cutting-edge solutions and technologies in a ... Read More

  • Pre-Paid Cards in Brazil

    ... their income tax. This programme was established in 1976, and underwent changes in 2022 and 2023, aiming to make the segment more competitive and give workers more choices in using the benefit. Typically, the leading ... Read More

  • Consumer Credit in Brazil

    ... since 2017. The objective was to curb demand and reduce pressure on prices, especially after external shocks, such as the war in Ukraine, which impacted some food costs; for example, wheat as input material. Euromonitor ... Read More

  • Consumer Credit in Mexico

    ... Mexico is a highly attractive country for the entry of fintech companies. This is first, due to the low penetration of the banking system, and second, due to legislation, since in Mexico companies can start ... Read More

  • Financial Transaction Processing

    ... Mastercard, Visa, and Western Union (all based in the US), as well as Cielo (Brazil), Moneris (Canada), and UnionPay International (China). COMPETITIVE LANDSCAPE Technology is transforming the financial transaction processing industry and consumers' interactions with ... Read More

  • Empowering Checkout Experiences: A Review of Point-of-Sale Innovations in Asia/Pacific Retail Landscape

    ... are integrating mobile POS, AI-driven solutions, contactless payments, and data-driven personalization to enhance operational efficiency and customer satisfaction. These advancements are crucial for meeting rising consumer expectations and driving digital transformation in the retail sector. Read More

  • Mobile Payment Market, Opportunity, Growth Drivers, Industry Trend Analysis and Forecast, 2025-2034

    ... 2025 to 2034. The expansion of e-commerce has been a significant driver, as secure and convenient payment systems are essential for online platforms. Mobile payments have become a popular choice due to their simplicity and ... Read More

  • Denmark Cards and Payments: Opportunities and Risks to 2028

    ... provides values and volumes for a number of key performance indicators in the industry, including cards, credit transfers, cash, and direct debits during the review-period (2020-24e). The report also analyzes various payment card markets operating ... Read More

  • Japan Cards and Payments: Opportunities and Risks to 2028

    ... provides values and volumes for a number of key performance indicators in the industry, including cash, card, credit transfer, and cheques during the review-period (2020-24e). The report also analyzes various payment card markets operating in ... Read More

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