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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

  • Actuaries: State Industry Market Evaluator 524298.03

    ...for 2013-2014-2015-2016q2 for these measures: industry market volume, average firm, site and small business sales, sales per employee, market volume by employment class, employment by employment class and more. Additional statistics include failure rates (firms, ... Read More

  • Credit Card & Other Credit Plans: State Industry Market Evaluator 522320.05

    ...of data. Statistics are displayed for 2013-2014-2015-2016q2 for these measures: industry market volume, average firm, site and small business sales, sales per employee, market volume by employment class, employment by employment class and more. Additional ... Read More

  • Mergers & Acquisitions: State Industry Market Evaluator 523930.02

    ...are displayed for 2013-2014-2015-2016q2 for these measures: industry market volume, average firm, site and small business sales, sales per employee, market volume by employment class, employment by employment class and more. Additional statistics include failure ... Read More

  • PAYMENTS IN POLAND, 2016

    ...in Poland. Publication gives a solid overview of current trends in payments market, including: new technologies, key players and merchant survey results. Report contains also company profiles of major players in payments in Poland as ... Read More

  • The Cards and Payments Industry in Norway: Emerging Trends and Opportunities to 2021

    ...trends in the Norwegian cards and payments industry. It provides values and volumes for a number of key performance indicators in the industry, including credit transfers, direct debits, check payments, cash transactions and payment cards ... Read More

  • The Cards and Payments Industry in Finland: Emerging Trends and Opportunities to 2021

    ...trends in the Finnish cards and payments industry. It provides values and volumes for a number of key performance indicators in the industry, including direct debits, check payments, payment cards, cash transactions and credit transfers ... Read More

  • Consumer Payments Country Snapshot: France 2016

    ...in 2015. France has a highly developed point of sale (POS) infrastructure as well as a high penetration of contactless cards, although the market as a whole is heavily reliant on cash. Key Findings The ... Read More

  • Store Cards in Thailand

    ...However, the dominant player, Central Group, continued to recruit new members for its Power Buy store card. Euromonitor International's Store Card Transactions in Thailand report establishes the size and structure of the market for ATMs ... Read More

  • Charge Cards in Thailand

    ...for former commercial charge card holders. Furthermore, some corporate customers moved to commercial credit cards following the aggressive launch of such new products by banks. Commercial credit cards are held to offer more benefits and ... Read More

  • Credit Cards in Thailand

    ...cards saw an 11% decline in current value sales in 2015 due to lower spending on fuel, as the global oil price dropped. The major commercial credit cards are fleet cards, which are used to ... Read More

  • Financial Cards and Payments in Thailand

    ...significant drop in the global fuel price reduced commercial credit card spending in 2015. In 2016, when the global fuel price remained low, at less than USD50.00 per barrel, commercial credit card spend picked-up again. ... Read More

  • Financial Cards and Payments in Spain

    ...were still high but declined from 22% to 20% and deflation turned into slight inflation. All these positive economic signals increased consumers’ confidence, which boosted consumer finance. Euromonitor International's Financial Cards and Payments in Spain ... Read More

  • Store Cards in Spain

    ...The card performed well in 2016 as many consumers used it as a charge card, as they are able to pay at the end of the following month, easing their finances. Additionally, for larger purchases ... Read More

  • Charge Cards in Spain

    ...an increase in the employment rate and a positive inflation rate after a period of deflation. All of these positive economic signs increased consumer confidence and enhanced the use of these cards. Euromonitor International's Charge ... Read More

  • Credit Cards in Spain

    ...successful thanks to low interest rates – less than half the average rate charged by credit cards. Cofidis, for example, offers loans with an APR of 6.85% while credit cards’ APRs can be 16-20% for ... Read More

  • Pre-Paid Cards in Spain

    ...1I2I3, which included pre-paid cards in the card package. Other banks did not launch any new products as pre-paid cards involve a cost for issuers but are not profitable. Euromonitor International's Pre-Paid Transactions in Spain ... Read More

  • Charge Cards in Malaysia

    ...charge card needs one to settle all their expenses when due rather than just pay a minimum amount, and it charges a higher interest rate on the outstanding amount. Euromonitor International's Charge Card Transactions in ... Read More

  • Pre-Paid Cards in Australia

    ...transactions rising by 14%. The growth of this type of cards has been driven by that of existing cards, with companies continuing to expand their products leveraging the pre-paid functionality such as the betting pre-paid ... Read More

  • Financial Cards and Payments in Australia

    ...example, are continuing to make digital payments more accessible, convenient and secure. Euromonitor International's Financial Cards and Payments in Australia report establishes the size and structure of the market for ATMs cards, smart cards, credit ... Read More

  • Store Cards in Australia

    ...year and the review period CAGR. These cards are losing share to other types of cards which offer multiple benefits, including co-branded credit cards and pre-paid cards as major retailers, previously active in store cards, ... Read More

  • Financial Cards and Payments in Malaysia

    ...contributed significantly to online payment transactions using credit cards. This has supported the stable performance of financial cards and payments although economic conditions in Malaysia are still weak. Furthermore, the government has been actively encouraging ... Read More

  • Credit Cards in Malaysia

    ...part of the government initiative to encourage the transition of Malaysia into a cashless society, contactless payments and contactless card terminals have been increasingly popular among consumers and merchants respectively, which has also helped to ... Read More

  • Charge Cards in Australia

    ...transactions value. Euromonitor International's Charge Card Transactions in Australia 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 ... Read More

  • Pre-Paid Cards in Malaysia

    ...educate and increase financial management among young consumers through pre-paid cards as they can monitor their spending behaviours. Euromonitor International's Pre-Paid Transactions in Malaysia report establishes the size and structure of the market for ATMs ... Read More

  • Credit Cards in Australia

    ...expected to closely follow cash rate levels, according to the Reserve Bank of Australia (RBA), credit card rates have become less responsive in Australia, which could indicate limitations in the degree of competition in credit ... Read More

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