FICO UK Credit Card Market Report: January 2026
Persistent financial pressures evident as customers reduce spend and focus on paying credit card bills, but missed payments remain high
FICO UK Credit Card Market Report: December 2025
Continued financial pressures evident as balances reach highest level since FICO records began
FICO UK Credit Card Market Report: October 2025
Pre-Christmas spending and average active balances fall, however average balances for missed accounts remain high reflecting continued financial pressure
The Benefits of Champion/Challenger Testing in Decision Management
Champion/challenger experimentation objectively compares the performance of the current approach vs. new approach, which helps you to continuously evolve your decision strategies
FICO UK Credit Market Report: September 2025
New data following Autumn Budget shows continued pressure on household finances with spending lower and balances higher than 2024.
FICO UK Credit Card Market Report: August 2025
Percentage of total balance paid drops, leaving average active balances at the highest level despite lower spending year-on-year
FICO UK Credit Card Market Report: July 2025
Year-on-year fall in payments leads to rising active balances
UK Cards: Signs of Risk in Rising Balances
FICO’s data on UK credit cards for July 2025 shows a YOY growth in balances and delinquent balances
FICO UK Credit Card Market Report: June 2025
Summer spending and continued financial pressures push up credit card balances
FICO UK Credit Card Market Report: May 2025
Consumers put the brake on credit card spending, but balances continue to track upwards
What June Data Says about UK Credit Cards and Consumers
Rising spend and falling payments to balance continued to push up average balances on UK credit cards, demonstrating underlying risk
FICO UK Credit Card Market Report: April 2025
Financial pressures remain evident as spending falls and average balances increase
FICO UK Credit Card Market Report: March 2025
Financial pressures hitting UK households evident in drop in spend, whilst balances increase year-on-year
UK Cards Data Reveals Fall in Spending but Rise in Balances
Lenders should keep a close eye on credit card delinquencies, which saw a 10.4% increase in the percentage of customers missing one payment in May
FICO UK Credit Card Market Report: January/February 2025
First-party fraud identified as potential risk as financial pressures impact affordability
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