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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

  • Commercial Payment Cards: U.S. and Global Market Trends, 10th Edition

    ... payment solutions, including cards and ACH. The report presents the size and growth of the market and related key metrics within the broader payment card arena. Included are discussions and analysis of the various card ... Read More

  • Store Cards in the Czech Republic

    ... trials have varied in terms of complexity. Two cities, Decin and Karlovy Vary, replaced their original one-purpose transportation cards with pre-paid cards, in cooperation with Visa and Ceska sporitelna. Passengers using other card products in ... Read More

  • Consumer Lending in South Africa

    ... As a result of the challenging economic environment, the labour landscape in the country continued to worsen, pushing up the unemployment rate to over 27%. Industries such as mining, construction and retail record huge numbers ... Read More

  • Payments in Sweden 2017: What Consumers Want

    ... such as mobile wallets and contactless. The report also examines the main regulatory players overseeing the market. Swedish consumers are prolific payment card users. Average monthly card transaction volume is higher in Sweden than in ... Read More

  • Payments Landscape in the Netherlands: Opportunities and Risks to 2021

    ... payments industry. It provides values and volumes for a number of key performance indicators in the industry, including credit transfers, cash, direct debit, payment cards, and cheques during the review-period (2013-17e). The report also analyzes ... Read More

  • Payments in the Netherlands 2017: What Consumers Want

    ... newer payment technologies such as mobile wallets and contactless. The report also examines the main regulatory players overseeing the market. The Dutch payment cards market is mature, with a high penetration rate of 1.9 payment ... Read More

  • Payments Landscape in Sweden: Opportunities and Risks to 2021

    ... It provides values and volumes for a number of key performance indicators in the industry, including credit transfers, cash, direct debit, payment cards, and cheques during the review-period (2013-17e). The report also analyzes various payment ... Read More

  • Consumer Finance Global Overview

    ... adoption in both emerging and developed markets as consumers’ confidence in the economic future increases, and more credit is available. With greater card spend however, there has been a rise in fraud in several markets ... Read More

  • Payments in China 2017: What Consumers Want

    ... (US$1.1tn), Germany, and France. Cash, however, remains a popular payment instrument among Chinese consumers, especially in rural areas, accounting for 63% of the total payment transaction volume in 2017. One of the primary reasons for ... Read More

  • Payments Landscape in China: Opportunities and Risks to 2021

    ... however, remains a popular payment instrument among Chinese consumers, especially in rural areas, accounting for 63% of the total payment transaction volume in 2017. One of the primary reasons for the dominance of cash is ... Read More

  • Financial Cards and Payments in Asia Pacific

    ... card network and issuers by the same metrics. Having rapidly adopted card payments over the past 20 years, the region’s growth in card value is finally expected to moderate over the forecast period. To reach ... Read More

  • Consumer Lending in Ukraine

    ... prices rising fastest for food products, transport, alcoholic beverages and tobacco. On the other hand, inflation slowed for housing utilities, clothing, and footwear. Overall, although the economy showed signs of recovery, growth was not sufficiently ... Read More

  • Financial Cards and Payments in Ukraine

    ... consumers’ changing habits. The number of card-orientated Ukrainians continued to increase, as more people favoured the convenience of quick and easy card payments. Although many consumers continued to favour traditional cash payments, the need to ... Read More

  • Consumer Lending in Mexico

    ... 3% goal, the growth rate started to contract, showing different trends for energy and non-alimentary goods. Euromonitor International's Consumer Lending in Mexico report establishes the size and structure of the market for ATMs cards, smart ... Read More

  • Credit Cards in Ukraine

    ... this trend omitted credit cards. Numbers of both personal and commercial credit cards increased in 2017. Consumers became increasingly accustomed to using credit cards in their day-to-day activities as the trend towards more frequent use ... Read More

  • Payments in Germany 2017: What Consumers Want

    ... such as mobile wallets and contactless. The report also examines the main regulatory players overseeing the market. Germany has a strong economy and high levels of financial inclusion, despite German consumers having a strong inclination ... Read More

  • Payments Landscape in Italy: Opportunities and Risks to 2021

    ... It provides values and volumes for a number of key performance indicators in the industry, including credit transfers, direct debit, cash, payment cards, and cheques during the review-period (2013-17e). The report also analyzes various payment ... Read More

  • Payments Landscape in Germany: Opportunities and Risks to 2021

    ... It provides values and volumes for a number of key performance indicators in the industry, including credit transfers, direct debit, cash, payment cards, and cheques during the review-period (2013-17e). The report also analyzes various payment ... Read More

  • Payments in Italy 2017: What Consumers Want

    ... such as mobile wallets and contactless. The report also examines the main regulatory players overseeing the market. Despite being the fourth-largest economy in Europe in terms of nominal GDP, Italians have remained slow adopters of ... Read More

  • Payments in New Zealand 2017: What Consumers Want

    ... newer payment technologies such as mobile wallets and contactless. The report also examines the main regulatory players overseeing the market. New Zealand’s cards and payments industry is well developed, and consumers are prolific users of ... Read More

  • Payments Landscape in New Zealand: Opportunities and Risks to 2020

    ... payments industry. It provides values and volumes for a number of key performance indicators in the industry, including credit transfers, direct debit, payment cards, and cheques during the review-period (2012-16e). The report also analyzes various ... Read More

  • Charge Cards in India

    ... net-worth individuals, which makes these cards very premium. Only the affluent can afford these cards, which is due to their very high credit limit and also because of them having no revolving credit system. Apart ... Read More

  • Credit Cards in India

    ... transactions at constant 2017 prices. The primary driver behind growth is the new and empowered millennial consumer base, with higher disposable incomes, which allow them to spend more and also opt for EMIs (equated monthly ... Read More

  • Financial Cards and Payments in India

    ... 2016. Demonetisation resulted in all INR500 and INR1,000 notes becoming invalid overnight. The government allowed consumers to exchange all old notes against new ones by 31 December 2016. Due to this 2-month phase, there was ... Read More

  • Charge Cards in Mexico

    ... period due to market behaviour. In Mexico, it is relatively difficult to use a charge card as most establishments do not accept them as a payment method. Also, American Express is the only company offering ... Read More

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