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

  • Key Payments Trends for 2025

    ... of alternative payment rails such as real-time payments and buy now pay later solutions; and the adoption of technology such as artificial intelligence, open banking, and blockchain. Technological change and evolving consumer preferences are driving ... Read More

  • Consumer Lending in Portugal

    ... even with high interest rates. In auto lending, second hand cars continued to drive demand with contracts for new cars losing share over the review period. Maximum interest rates determined by the Bank of Portugal ... Read More

  • Consumer Credit in Poland

    ... influencing the category’s progress in 2024 were lower inflation rates than in 2023, real GDP growth stimulated by private consumption and public spending, low unemployment, and a rise in wages, with the latter supporting creditworthiness ... Read More

  • Consumer Lending in Norway

    ... is beginning to feel the positive effects of falling inflation. In 2024, both gross lending and outstanding balances increased at a steady pace buoyed by improved levels of consumer confidence. Gross lending is expected to ... Read More

  • Charge Cards in Portugal

    ... cards seen as secondary and complementary products to their main offering. In Portugal, charge cards are only available to businesses, primarily used for employee expenses. Euromonitor International's Charge Card Transactions in Portugal report establishes the ... Read More

  • 2025 Global Forecast for Contactless Smart Cards In Banking Market (2026-2031 Outlook)-High Tech Outlook Report

    ... countries. The product or service category is within the NAICS Securities, Commodity Contracts, and Other Financial Investments and Related Activities industry. The product or service category is within the NAICS Securities, Commodity Contracts, and Other ... Read More

  • 2025 Global: Banking And Payment Smart Cards Market - Innovative Markets Forecast (2031) report

    ... most accurate industry forecasts based on our proprietary economic models. Our forecasts project the product market size nationally and by regions for 2020 to 2031 using regression analysis in our modeling. and Perry/Hope is the ... Read More

  • Consumer Credit in Portugal

    ... for credit cards and Buy Now Pay Later (BNPL). Appliances, electronics and travel products are among those for which local consumers are mostly resorting to BNPL services. The simplified access to such credit has been ... Read More

  • Pre-Paid Cards in Portugal

    ... the early forecast period at least, meaning less pressure on prices and greater growth in terms of available income. Euromonitor International's Pre-Paid Card Transactions in Portugal report establishes the size and structure of the market ... Read More

  • 2025 Global Forecast for Banking And Payment Smart Cards Market (2026-2031 Outlook)-High Tech Outlook Report

    ... countries. The product or service category is within the NAICS Securities, Commodity Contracts, and Other Financial Investments and Related Activities industry. The product or service category is within the NAICS Securities, Commodity Contracts, and Other ... Read More

  • Consumer Lending in the Netherlands

    ... such as De Nederlandsche Bank (DNB), and other regulators. These regulations aim to reduce the credit burden and make sure no unsustainable loans are issued. This is part of a long-term effort and is becoming ... Read More

  • Consumer Credit in Norway

    ... gross lending attributed to card lending in Norway. While card lending decreased during the COVID-19 pandemic due to lower spending, there was a rebound post-pandemic as consumer lifestyles began to normalise. In 2024, card lending ... Read More

  • 2025 Global: Artificial Intelligence (Ai) Powered Checkout Market - Innovative Markets Forecast (2031) report

    ... most accurate industry forecasts based on our proprietary economic models. Our forecasts project the product market size nationally and by regions for 2020 to 2031 using regression analysis in our modeling. and Perry/Hope is the ... Read More

  • 2025 Global Forecast for Credit Card Terminal Market (2026-2031 Outlook)-High Tech Outlook Report

    ... product or service category is within the NAICS Securities, Commodity Contracts, and Other Financial Investments and Related Activities industry. The product or service category is within the NAICS Securities, Commodity Contracts, and Other Financial Investments ... Read More

  • 2025 Global Forecast for Biometric Payment Cards Market (2026-2031 Outlook)-High Tech Outlook Report

    ... product or service category is within the NAICS Computer Systems Design Services industry. The product or service category is within the NAICS Computer Systems Design Services industry. The global market is expected to increase from ... Read More

  • Consumer Lending in Poland

    ... by consumption and public spending. Unemployment levels were low, and there was a further increase in real estate prices. Euromonitor International's Consumer Lending in Poland report establishes the size and structure of the market for ... Read More

  • Financial Cards and Payments in Portugal

    ... accelerated, largely due to contactless technology and the adoption of smartphones as payment devices. Despite still having a reduced weight in the total number of operations, instant transfers also gained traction in 2024. The average ... Read More

  • Consumer Credit in the Netherlands

    ... Markets (AFM) has identified consumer credit players who were not strict enough with their regulations and checks in issuing credit. These players have now adjusted their acceptance policies, leading to more rejections of credit requests ... Read More

  • Credit Cards in Portugal

    ... bolstered consumer confidence. This was especially show from Q2, with a moderate rise in disposable incomes boosting credit card usage. Euromonitor International's Credit Card Transactions in Portugal report establishes the size and structure of the ... Read More

  • Store Cards in Portugal

    ... value rose marginally, however, boosted by improvements in available income as inflation subsided, and beneficial Euribor rates. Growth was still relatively low, though. Store cards is losing ground and this trend is set to persist ... Read More

  • American Express Co. in Payments and Lending (World)

    ... products. It is also one of the few global networks that also issues a great proportion of its total cards in circulation. While the company's major revenue-generating region is the US, it has a global ... Read More

  • Consumer Lending in Canada

    ... unrealistic until the later months of 2024 and into 2025. The country is suffering a severe housing shortage, and as such many Canadians have also been faced with challenges associated with finding housing while having ... Read More

  • 2025 Global: Biometric Point-Of-Sale Terminals Market - Innovative Markets Forecast (2031) report

    ... industry forecasts based on our proprietary economic models. Our forecasts project the product market size nationally and by regions for 2020 to 2031 using regression analysis in our modeling. and Perry/Hope is the only market ... Read More

  • Credit Cards in Egypt

    ... on the use of Egyptian credit cards used abroad in in late 2023 and early 2024, the CBE then instructed banks to open the limits for the use of credit cards in foreign currencies in ... Read More

  • Store Cards in Canada

    ... cards issuers have adapted to clients’ demands by including appealing features to cards issued. For example, Home Depot launched a promotion whereby no interest is charged on a single transaction if paid in full within ... Read More

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