Monthly report on UK credit card trends shows financial prudence with spending down and percentage of payments to balance up – but will lockdown stashes save the day or fade away?
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August saw a two-year low in consumers paying less than the amount due on cards, although signs of financial pressure can be seen
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Our UK Credit Market Report of UK card trends for July 2021 reveals that there was an uplift in missed payment rates, whilst spend on cards marginally fell
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Credit card trends for payments and delinquencies show similar patterns in the US, the UK and Canada, though extra savings and government support are masking the pandemic's impact
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Looking at trends for activity, utilization, spend, balances, usage, interest reveals new focus areas for issuers
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Credit card spend 3.5% higher than June 2019, suggesting some households are benefitting from pandemic savings, but not everyone is confident in financial position
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Markedly lower increase in card spend shows how consumers are reacting to the 'new normal'
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End of lockdown spurs spending, but continued government support and accrued savings blur the true picture of UK debt
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FICO data shows true state of consumer finances still masked in March; April will be pivotal for lenders
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The increase in the amounts being requested and the fact that a higher proportion are being declined could help identify a sub population that is now riskier
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A cross-sell campaign to your existing customers can be a relatively quick and profitable exercise compared to new accounts - here are tips and best practices for setting it up
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Latest FICO data on UK credit cards patterns shows more signs of stress for many, while lockdown has helped others
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