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.
...Show More ...Show Less


Credit Cards Industry Research & Market Reports

  • Financial Cards and Payments in Israel

    ... entry of major players like Apple Pay in late 2021 significantly boosted the adoption of digital wallets across the country. Presently, approximately a quarter of Israelis utilise e-wallets, demonstrating the remarkable growth of this payment ... Read More

  • Consumer Lending in France

    ... from soaring global interest rates to the ongoing Russia-Ukraine war, which have combined to create an environment of economic uncertainty in which consumers are wary to acquire debt. There is also a strong cultural habit ... Read More

  • Consumer Credit in Vietnam

    ... to increase their lending activities, including consumer lending, the State Bank issued Circular No. 06/2023/TT-NHNN on 28 June 2023, amending and supplementing certain provisions of Circular No. 39/2016/TT-NHNN, which regulates credit activities of credit institutions ... Read More

  • Consumer Credit in France

    ... light of this situation, a degree of consumer caution when it comes to spending and seeking loans. This means consumers are placing a stronger focus on low prices, rather than acquiring debt to purchase large ... Read More

  • Consumer Credit in Argentina

    ... is experiencing remarkable growth, boasting an annual rate of 500%. Presently, they have garnered over 45,000 affiliated businesses and 850,000 users. Euromonitor International's Consumer Credit in Argentina report establishes the size and structure of the ... Read More

  • Store Cards in Morocco

    ... cards offer or, alternatively, they understand the advantages but do not believe that these are attractive enough to justify obtaining one. Instead of using store cards, they are increasingly using their regular debit cards, charge ... Read More

  • Pre-Paid Cards in Romania

    ... to the remarkable growth potential observed in open-loop cards, creating an opportune landscape for operators such as Revolut. In contrast, closed-loop pre-paid cards, typically distributed by retailers in the form of gift cards, are witnessing ... Read More

  • Credit Cards in Peru

    ... by users, stemming from their concern over the stagnant economic growth. The evolution of the credit card market is influenced by the dual factors of increasing familiarity with this payment method and the ongoing necessity ... Read More

  • Charge Cards in Mexico

    ... levels of usage and card issuance. This rising trend is evident across both commercial and personal charge cards. Euromonitor International's Charge Card Transactions in Mexico report establishes the size and structure of the market for ... Read More

  • Pre-Paid Cards in Morocco

    ... the pandemic. The increased use of debit cards was the main driver of this fall. In the past, much of the use of pre-paid cards among the Moroccan population has been accounted for by international ... Read More

  • Store Cards in Turkey

    ... payment in specific retail outlets. Over the forecast period, prospects for store cards remain weak as consumers seeking “pay later” functionality have the established option of credit cards. Euromonitor International's Store Card Transactions in Turkey ... Read More

  • Consumer Credit in Poland

    ... revenues. At the start of 2023, the criteria for granting consumer credit remained tight, due to the deterioration in economic forecasts for Poland. Nonetheless, business sentiment has gradually improved throughout the course of the year, ... Read More

  • Credit Cards in Canada

    ... a generous $2,000 credit card limit, and more than three-quarters of all new credit cards issued towards the end of 2022 and at the beginning of 2023 were issued to these consumers. Euromonitor International's Credit ... Read More

  • Credit Cards in Sweden

    ... have been able to spend more post-pandemic. This has created a good context for the use of credit cards in 2022 and 2023. Transaction values have also been boosted by inflation in both years. Euromonitor ... Read More

  • Financial Cards and Payments in Colombia

    ... closed loop transportation cards, are steadily gaining popularity. Store cards, however, are witnessing a decline due to consumer preferences shifting towards more versatile payment options. Euromonitor International's Financial Cards and Payments in Colombia report establishes ... Read More

  • Consumer Credit in Australia

    ... with tertiary education, both universities and TAFE institutes. Pathways to get into higher education courses are always evolving and are becoming increasingly accessible compared to previous years. Students no longer have to solely rely on ... Read More

  • Credit Cards in Australia

    ... for smaller, more frequent purchases. However, the number of credit cards in circulation continues to decline, indicating fewer people are applying for new credit cards every year. The increase in credit card usage is being ... Read More

  • Charge Cards in Brazil

    ... a fundamental factor hindering charge cards from achieving more substantial success in Brazil – the inherent concept of charge cards. Despite their similarity to credit cards, charge cards lack the feature of revolving credit, a ... Read More

  • Consumer Credit in Brazil

    ... households, 18.5% considered themselves heavily burdened with debt, marking the highest level recorded in the historical data that began in January 2010. This monthly survey is conducted by the National Confederation of Commerce of Goods, ... Read More

  • Pre-Paid Cards in China

    ... their licenses, affected by stringent government regulation; for instance, open loop pre-paid cards with a balance over CNY1,000 need to be registered with government ID. Local governments are also stepping up supervision – for example, ... Read More

  • Financial Cards and Payments in Brazil

    ... the face of adverse macroeconomic conditions. Credit cards are playing a pivotal role in the growth of card payments, while debit cards are experiencing waning popularity within Brazil's consumer payments landscape. The retail value of ... Read More

  • Pre-Paid Cards in Australia

    ... a week, while others have a hybrid arrangement which sees them going into the office 2-3 times a week. As a result, public transport usage has increased over the last two years of the review ... Read More

  • Pre-Paid Cards in Brazil

    ... contexts, including international travel. Although travel cards have traditionally occupied this space within open loop pre-paid cards, the trend leans towards using general purpose reloadable cards for international expenses. Euromonitor International's Pre-Paid Card Transactions in ... Read More

  • Consumer Lending in China

    ... However, growth in consumer lending in China is expected to be slow, following the sluggish growth of domestic consumption and an ongoing real estate crisis, which is raising concerns over the stability of the financial ... Read More

  • Consumer Lending in Brazil

    ... market, and reduced consumer purchasing power are pushing individuals to seek credit. In response, lenders are diversifying their array of credit options. Considering these multifaceted challenges, lenders are working to facilitate easier access to credit ... Read More

Research Assistance

Live help

Join Alert Me Now!

Sign Up

Find out more on our blog
Cookie Settings