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

  • Consumer Credit in Australia

    ... growing across most categories, apart from card lending. In particular, after a notable decline of 17% in 2023, the value of gross lending on education has recovered in 2024. Statistics reported by the Australian Department ... Read More

  • Fuel Cards Global Market Opportunities And Strategies To 2033

    ... Light FleetCovering: Shell plc.; Exxon Mobil Corporation; BP p.l.c.; China Petroleum and Chemical Corporation (SINOPEC); TotalEnergies SE Fuel Cards Global Market Opportunities And Strategies To 2033 from The Business Research Company provides the strategists; marketers ... Read More

  • Pre-Paid Cards in Japan

    ... of pre-paid card transaction value by issuer and operator in Japan in 2024. The company is making moves to strengthen customer loyalty, with Suica as one of its mainstays. Euromonitor International's Pre-Paid Card Transactions in ... Read More

  • Consumer Credit in Japan

    ... the country’s younger generation, who often do not have credit cards, and therefore see BNPL as a handy alternative. Consequently, new BNPL service providers are continuously emerging in the Japanese market, drawn in by its ... Read More

  • Credit Cards in Japan

    ... credit cards is set to see stronger growth in transaction values in 2024, due to their convenience and benefits. They are being embraced by businesses to reduce manual and paper-based processes, increase cash back into ... Read More

  • Financial Cards and Payments in Australia

    ... their payments using debit cards, although value growth via this payment method has notably slowed in favour of credit cards, reflecting the tough economic situation many Australians are experiencing. Using credit cards to pay for ... Read More

  • Charge Cards in Australia

    ... individuals or corporations, so spend per transaction tends to be higher. It also means that despite a drop in the number of new commercial charge cards in 2024, the usage in terms of value and ... Read More

  • Global Online Airline Booking Insights 2024

    ... airline bookings are expected online, driven by self-service demand on airline sites and apps. OTAs stand out through personalized offers, flexible policies, and clear pricing. Payment Flexibility Matters Diverse and secure payment options like digital ... Read More

  • Brazil Cards and Payments: Opportunities and Risks to 2028

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

  • Credit Cards in Australia

    ... and elected to use Buy Now Pay Later (BNPL) services when wanting to make a delayed payment on a purchase. However, in both 2023 and 2024, the number of personal credit cards in circulation had ... Read More

  • Pre-Paid Cards in Australia

    ... only way to access transportation with the rollout of debit card payments being inconsistent across the different states. For example, in New South Wales, commuters have been able to use their debit card to pay ... Read More

  • Store Cards in Australia

    ... reflective of its lost appeal in the current dynamic payment landscape. Historically, store cards have always contributed to a small proportion of total payments in Australia. As a result, the customer base for this type ... Read More

  • Financial Cards and Payments in China

    ... they expect the prices of goods and services to fall in the future. Both debit cards and pre-paid cards are expected to see progress in 2024 in terms of cards in circulation and current value ... Read More

  • Plunkett's Banking, Mortgages & Credit Industry Almanac 2025: Banking, Mortgages & Credit Industry Market Research, Statistics, Trends and Leading Companies

    ... vital insights that can help shape strategy for business development, product development and investments. Key Features: Business trends analysis In-depth industry overview Technology trends analysis Forecasts Spending, investment, and consumption discussions In-depth industry statistics and ... Read More

  • Credit Cards in China

    ... of cards in circulation is mainly affected by ongoing government efforts to clean up “sleep accounts”, which are defined as credit card accounts with no active transactions in the past five years, according to the ... Read More

  • Egypt Cards and Payments: Opportunities and Risks to 2028

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

  • Pre-Paid Cards in China

    ... the continued rebound of closed loop pre-paid cards by all measures, as travel and commuting have continued to return following the end of COVID-19 restrictions. According to the Ministry of Transport, passenger volumes on urban ... Read More

  • Consumer Credit in Hong Kong, China

    ... travel, dining, and entertainment. This led to increased spending, often financed through credit. The decline in unemployment has bolstered consumer confidence and disposable income. As more people return to work, their spending power increases. Euromonitor ... Read More

  • 2024 India Mobile Payments Forecast (2025-2030 Outlook)-Market Opportunities Report

    ... industry. The market is expected to increase from USD xx billion in 2025 to USD xx billion by 2030, at a CAGR of xx% from 2025 to 2030. Estimates on product and service sales are ... Read More

  • 2024 Europe Mobile Payments Forecast (2025-2030 Outlook)-Market Opportunities Report

    ... industry. The market is expected to increase from USD xx billion in 2025 to USD xx billion by 2030, at a CAGR of xx% from 2025 to 2030. Estimates on product and service sales are ... Read More

  • 2024 United States Mobile Payments Forecast (2025-2030 Outlook)-Market Opportunities Report

    ... Healthcare industry. The market is expected to increase from USD xx billion in 2025 to USD xx billion by 2030, at a CAGR of xx% from 2025 to 2030. Estimates on product and service sales ... Read More

  • Pre-Paid Cards in Singapore

    ... of such cards across multiple payment scenarios. These cards are increasingly being adopted for e-commerce, public transport, and cross-border transactions, providing users with more flexibility compared with closed loop alternatives. A significant driver of growth ... Read More

  • Charge Cards in Singapore

    ... see only low growth in 2024. The primary reason for this is the limited merchant acceptance of charge cards, such as those issued by American Express (Amex) and Diners Club, compared with the widespread acceptance ... Read More

  • Financial Cards and Payments in Singapore

    ... 2024, underpinned by economic growth and strong consumer spending. Despite global uncertainties, Singapore’s economy grew by 4.1% year-on-year in the third quarter of 2024, extending the average growth in the first half of 3.0%. This ... Read More

  • Credit Cards in Singapore

    ... to reach 15-16 million in 2024, with tourism receipts estimated at between SGD26 billion and SGD28 billion, marking a return to near pre-pandemic (2019) levels. This resurgence in tourism has directly boosted consumer spending, particularly ... Read More

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