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

  • Fuel Card Providers (UK) - Industry Report

    ... Seek out the most attractive acquisition opportunities • Analyse industry trends • Benchmark their own financial performance Using an exclusive methodology, a quick glance of this Fuel Card Providers (UK) report will tell you the ... Read More

  • Credit Card Issuing in the US - Industry Market Research Report

    ... issuing credit cards with available credit lines that must be repaid in full to the issuer, often in installments. Commercial banks are excluded from this industry since credit card issuance is not a primary business ... Read More

  • Global Gift Card Market 2025-2029

    ... provides a holistic analysis, market size and forecast, trends, growth drivers, and challenges, as well as vendor analysis covering around 25 vendors. The report offers an up-to-date analysis regarding the current market scenario, the latest ... Read More

  • New Zealand Cards and Payments: Opportunities and Risks to 2028

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

  • Colombia Cards and Payments: Opportunities and Risks to 2028

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

  • Global Virtual Cards Market 2025-2029

    ... provides a holistic analysis, market size and forecast, trends, growth drivers, and challenges, as well as vendor analysis covering around 25 vendors. The report offers an up-to-date analysis regarding the current market scenario, the latest ... Read More

  • Credit Cards in Malaysia

    ... living, have driven more Malaysians to rely on credit cards to manage their day-to-day expenses. Additionally, consumer spending per transaction has risen, as credit cards are favoured for higher-value purchases compared to debit cards. Euromonitor ... Read More

  • Pre-Paid Cards in Malaysia

    ... strongly promoting the adoption of digital payments to enhance efficiency and streamline financial transactions across various sectors. Pre-paid cards offer a solution for people who are unbanked, enabling them to access a wide range of ... Read More

  • Charge Cards in Malaysia

    ... the limited number of issuers offering charge cards, which restricts their availability and hinders widespread adoption. In fact, many banks have ceased offering charge cards, especially commercial charge cards, due to the lack of demand. ... Read More

  • Financial Cards and Payments in Malaysia

    ... shift toward a cashless society, fuelled by advancements in digital payment infrastructure and changing consumer preferences. Younger, tech-savvy Malaysians are a significant driver of this trend, with convenience and security among the top motivators for ... Read More

  • Credit Cards in Taiwan

    ... cards, and account for only a small share of the total. Euromonitor International's Credit Card Transactions in Taiwan report establishes the size and structure of the market for ATMs cards, smart cards, credit cards, debit ... Read More

  • Charge Cards in Taiwan

    ... everyday transactions. Historically, charge cards have been less popular in Taiwan due to limited merchant acceptance compared with major card networks such as Visa, Mastercard, and JCB. Euromonitor International's Charge Card Transactions in Taiwan report ... Read More

  • Consumer Credit in Taiwan

    ... Now, Pay Later (BNPL) platforms are emerging as key players in this transformation, catering to the needs of individuals who are new to the world of credit. Euromonitor International's Consumer Credit in Taiwan report establishes ... Read More

  • The World Market for Payments and Lending

    ... government efforts to increase the security and transparency of payments. Fintech is adding value throughout the payment process and increasing access to financial products and services. Credit cards are forecast to outpace debit products on ... Read More

  • Consumer Credit in the US

    ... long-standing battle with student loans on behalf of consumers. For much of President Biden’s term, student loan interest payments were in forbearance, saving US consumers significant interest costs as they recovered from the pandemic and ... Read More

  • Financial Cards and Payments in Taiwan

    ... in the market are adapting their strategies to meet the changing needs of customers, with a focus on providing seamless, convenient, and multi-faceted financial services to drive growth and retain a competitive edge in the ... Read More

  • Consumer Credit in Malaysia

    ... the next year, the initiative requires businesses with annual revenues exceeding MYR100 million to comply by August 2024, while those with revenues between MYR25 million and MYR100 million must follow suit by January 2025. The ... Read More

  • Consumer Credit in the Philippines

    ... this expansion. Major banks, including Philippine National Bank (PNB), remain optimistic about future loan repayments as borrowing costs decrease. However, despite this positive outlook, there is still significant untapped potential in the country’s consumer credit ... Read More

  • Store Cards in Argentina

    ... for several years in line with the growing preference for financial cards and payment tools that provide greater versatility and flexibility. Consequently, retailers are increasingly scaling back investment in this category or exiting it altogether, ... Read More

  • Credit Cards in the Philippines

    ... Bank have expanded their credit card offerings, aligning with customers' evolving needs. In particular, the growing interest in travel among Filipinos has fuelled the popularity of travel-focused credit cards. Metrobank, for instance, has launched products ... Read More

  • Consumer Credit in Argentina

    ... have historically kept maximum interest rates on credit cards lower than those levied on personal loans, making the former a more affordable method of borrowing. Additionally, persistently high inflation means consumers are often heavily dependent ... Read More

  • Pre-Paid Cards in Argentina

    ... contraction. Expansion in value terms has been further constrained by the fact that the Milei administration’s shock therapy reforms have helped to bring about a sustained reduction in inflation since May. A steeper downturn in ... Read More

  • Charge Cards in Argentina

    ... are high and balances typically have to be paid in full each month. Credit cards are overwhelmingly favoured due to their revolving financing component and greater flexibility. The core base for charge cards consists of ... Read More

  • Financial Cards and Payments in Argentina

    ... the previous year. Growth in the number of cards in circulation has also slowed, albeit at a gentler pace. The downturn reflects the extremely challenging economic environment that has resulted from sweeping reforms undertaken by ... Read More

  • Financial Cards and Payments in the Philippines

    ... to gain ground. This trend is driven not only by the increased availability and accessibility of financial cards but also by broader economic factors, such as the growing middle class, expanding digital infrastructure, and the ... Read More

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