Die FICO-Datenschutz-Regeln erläutern die Erfassung und Verwendung von Cookies durch FICO. Cookies helfen uns, Ihre Einstellungen zu speichern, um Ihnen eine bessere Benutzererfahrung zu bieten, die Leistung der Website zu bewerten, zu überwachen und zu verbessern und unseren Partnern zu ermöglichen, bei Ihnen Werbungen zu schalten. Sie können die Cookies deaktivieren, indem Sie die Einstellungen in Ihrem Browser ändern, und Sie können uns anweisen, Cookie-Daten nicht an Dritte weiterzugeben. Mit der Nutzung dieser Website stimmen Sie der Verwendung von Cookies wie in den FICO-Datenschutz-Regeln beschrieben zu.
17. September 2012
LONDON —September 17, 2012— FICO (NYSE:FICO), the leading provider of analytics and decision management technology, today released its quarterly UK cards data showing that in the second quarter of 2012 average total sales per “classic” card reached their second-highest point in two years, behind December 2011 but higher than December 2010. Classic cards exclude premium cards, student cards and Irish cards. The latest data from the FICO® Benchmark Reporting Service also showed that several measures of delinquencies fell, with average two-cycle balances hitting their lowest level in more than two years.
"Taken together, the sales and delinquency figures suggest that UK consumers need their cards and are protecting themselves from high fees by managing their payments well," said Mike Gordon, FICO vice president and managing director for Europe, the Middle East and Africa. "We have seen a long-term pattern of declines in delinquent amounts and delinquent cards. This supports the notion that many consumers now view credit cards as 'survival tools' in a difficult economy."
Other highlights in last quarter's FICO data on UK cards included a rise in the percentage of classic accounts that are current in their payments, which reached the best level in more than two years. The percentages of classic accounts that were over their credit limit rose slightly from last quarter, but still represented the second-lowest level in two years. Last quarter also saw a further decline in average interest income per classic card, and the highest rate of inactive cards since June 2010.
The card performance figures are part of the data shared with subscribers of the FICO® Benchmark Reporting Service, which compares overall market performance in the UK cards market with individual card issuers’ performance. The data sample studied represents 26 million accounts, or about half of all credit cards issued in the UK, and comes from client reports generated by the FICO® TRIAD® Customer Manager solution in use by most UK card issuers.
Card issuers that subscribe to the FICO® Benchmark Reporting Service receive a quarterly review of their portfolio vs. the industry, with 24 months’ worth of data. For greater insight, subscribers can drill into the data by vintage of accounts. For information on the FICO Benchmark Reporting Service, contact Stacey West at firstname.lastname@example.org.
Statement Concerning Forward-Looking InformationExcept for historical information contained herein, the statements contained in this news release that relate to FICO or its business are forward-looking statements within the meaning of the "safe harbor" provisions of the Private Securities Litigation Reform Act of 1995. These forward-looking statements are subject to risks and uncertainties that may cause actual results to differ materially, including the success of the Company's Decision Management strategy and reengineering plan, the maintenance of its existing relationships and ability to create new relationships with customers and key alliance partners, its ability to continue to develop new and enhanced products and services, its ability to recruit and retain key technical and managerial personnel, competition, regulatory changes applicable to the use of consumer credit and other data, the failure to realize the anticipated benefits of any acquisitions, continuing material adverse developments in global economic conditions, and other risks described from time to time in FICO's SEC reports, including its Annual Report on Form 10-K for the year ended September 30, 2011, and its latest quarterly report for the three months ending June 30, 2012. If any of these risks or uncertainties materializes, FICO's results could differ materially from its expectations. FICO disclaims any intent or obligation to update these forward-looking statements.
FICO, TRIAD and “Make every decision count” are trademarks or registered trademarks of Fair Isaac Corporation in the United States and in other countries.
Europa, Naher Osten und Afrika
+44 (0) 209-940-8719
+1 786 482 7231
+55 11 5189-8258