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 Lending in Indonesia

    ... - for example subsidies for two-wheeled electric vehicles. Purchasing power has risen for the middle-income segment, and government incentives have helped to push progress. Euromonitor International's Consumer Lending in Indonesia report establishes the size and ... Read More

  • Financial Cards and Payments in France

    ... growth for current value sales. Inflation and price hikes have significantly impacted development within financial cards over 2023 and 2024. While inflation was still relatively high in 2023, it subsided somewhat in 2024 though unit ... Read More

  • Consumer Credit in France

    ... 2024, the best consumer credit rates were 0.9% over 12 months, 8% over 36 months and even 6.37% over 72 months, for financing personal projects. While new uses of credit are driving the market, inflation ... Read More

  • Credit Cards in Indonesia

    ... despite the rising threat from the continued expansion of pay-later transactions in Indonesia. The credit cards category benefits from targeting a different market segment and also offering cheaper annual interest rates compared to pay-later. The ... Read More

  • Credit Cards in France

    ... of new consumer credits increased, enabling credit cards to stay afloat in terms of numbers, transactions and value. Euromonitor International's Credit Card Transactions in France report establishes the size and structure of the market for ... Read More

  • Consumer Credit in Indonesia

    ... growth has been the improvement in economic conditions, as well as the expanding car market – particularly the used car market. Promotional activities from players have also helped. The end of the year was a ... Read More

  • Charge Cards in France

    ... A key factor to this ongoing success is local consumers’ growing recognition of private charge card functionality. This was a limited area a decade ago, with low interest and acceptance, although it now shows real ... Read More

  • Consumer Lending in France

    ... is observed in both housing mortgage housing and in consumer credit. In September 2024, the best available rates for consumer credit included 0.9% over 12 months, 8% over 36 months and 6.4% over 72 months, ... Read More

  • Charge Cards in Indonesia

    ... throughout Indonesia, and the expansion of e-commerce bill payments using an AMEX card. Also supporting growth was the variety of special promotional offers available; for example, some of those from BCA included attractive discounts for ... Read More

  • Payments In Poland, 2024/2025

    ... whole spectrum of other payment methods nowadays accepted by merchants in Poland. The publication gives a solid overview of current trends in the payments market, including new technologies, key players, and e-commerce acceptance survey results. Read More

  • Strategic Intelligence: Payments Sector Scorecard 2025

    ... market in the future-and the companies that will falter as a result of their lack of investment in and focus on these key payments themes. In this report, we score the world’s leading payments companies ... Read More

  • Global Metal Credit Cards Market Growth 2025-2031

    ... at a CAGR of 25.3% from 2025 to 2031. Metal credit cards are credit cards made from metal materials. It is heavier than the common plastic metal card, the production process is more complicated, and ... Read More

  • Financial Cards and Payments in Thailand

    ... for more than a quarter of all transactions by volume in 2024, marking a sharp rise from the beginning of the review period. This rapid growth is driven by changing consumer behaviours, as more Thais ... Read More

  • Charge Cards in Spain

    ... who seek short-term finance for purchases, without falling into the trap of acquiring large debt bolstered by ongoing interest rates. Rather, charge cards require the user to pay off the balance in full each month, ... Read More

  • Consumer Credit in Thailand

    ... rely on loans to sustain their standard of living, pushing the nation’s debt-to-income ratio to significant levels. This situation has been compounded by the lingering effects of the COVID-19 pandemic, which disrupted employment and income ... Read More

  • Store Cards in Spain

    ... International's Store Card Transactions in Spain report establishes the size and structure of the market for ATMs cards, smart cards, credit cards, debit cards, charge cards, pre-paid cards and store cards. It looks at key ... Read More

  • Financial Cards and Payments in Vietnam

    ... growing consumer awareness of the benefits of digital payments, such as enhanced convenience, improved security, simplified record-keeping, and easier online shopping experiences. Financial cards also offer attractive incentives, including discounts and cashback rewards, while promoting ... Read More

  • Pre-Paid Cards in Vietnam

    ... cards for their purchases. These cards offer a convenient, cashless payment option and are especially attractive because they require no financial assessment or existing bank account. Pre-paid cards also provide an effective way to manage ... Read More

  • Financial Cards and Payments in Spain

    ... finances, whereas the continued cost-of-living crisis means consumers are seeking financial options to help them manage their expenses. Also, according to Financial Planning and Analysis (FP&A) experts, who study both qualitative and quantitative trends in ... Read More

  • Consumer Credit in Vietnam

    ... allowing for quicker and more convenient access to small loans, which should help reduce reliance on black credit. However, increases in lending have also been accompanied by a gradual rise in bad debt ratios, as ... Read More

  • Credit Cards in Spain

    ... is noted that, historically, businesses prefer to use charge cards and credit cards over debit cards, which supports this trend. Banks also offer perks to businesses to use credit cards, such as discounts in partner ... Read More

  • Pre-Paid Cards in Spain

    ... and digital wallets. The pre-paid cards of Mastercard for Sociedad Estatal Correos y Telegrafos SA (Correos), the postal service and courier for Spain, also allow instant money transfers between two cards. Indeed, Correos is partnering ... Read More

  • Charge Cards in Thailand

    ... Card, the company’s flagship product in Thailand, is aimed at individuals with an annual income of at least THB1.2 million, with an upfront annual fee of THB40,000. Despite this, AMEX positions the card’s benefits as ... Read More

  • Credit Cards in Thailand

    ... over 80% of total card transactions by value. Consumers are drawn to credit cards for their attractive rewards programmes, exclusive perks, and the ability to defer payments. Unlike debit cards, credit cards are often viewed ... Read More

  • Store Cards in Thailand

    ... and larger promotional campaigns are playing a key role in stimulating consumer spending. Leading retail chain HomePro, for example, has introduced an appealing trade-in programme for old electronic appliances, offering customers discounts of up to ... Read More

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