The market size for credit cards in the United States grew by over *** percent between 2022 and 2023, a continuation of previous years. This according to estimates from on the value of transactions conducted with cards with a credit function. Credit cards are the most popular payment method available in the country for several years in a row, with a market share that slightly increased during the first year of COVID-19. The United States' credit card penetration is forecast to reach more than ** percent come 2025.

The value of payments made with credit cards in Canada grew by nearly three percent between 2018 and 2019. This meant a slowdown of growth when compared to the previous year. Credit cards ranked as the country's most popular payment method for e-commerce, but its market share did decline since 2019.

In financial year 2024, AMEX cardholders had the highest average annual spend of ***** thousand Indian rupees in India. IIB followed with the average card spend of ***** thousand Indian rupees annually.

Credit card purchases in the United States averaged roughly ** dollars per transaction in 2023 - a value that was higher than in previous years. This is according to estimates based on the overall value of credit card transactions against the number of transactions within the country. These numbers have only been reported on an annual basis. Notable for the U.S. is that the transaction size has been growing consistently since 2016 - although by small margins.

Daily, weekly and monthly data showing seasonally adjusted and non-seasonally adjusted UK spending using debit and credit cards. These are official statistics in development. Source: CHAPS, Bank of England.

Credit card purchases in the UK averaged roughly ** pounds, or about ** dollars, in 2021 - a value that was noticeably lower than in previous years. This is according to estimates based on the overall value of credit card transactions against the number of transactions within the country. These numbers have only been reported on an annual basis. Credit card transaction sizes in the United Kingdom declined for several years in a row, potentially indicating they get increasingly used for less large purchases.

In 2024, the value of credit card spending in China amounted to **** trillion yuan. Credit card usage buckled under the pressure of increasingly widespread mobile payments. The growth rate of credit card spending had been declining over the past years.

Graph and download economic data for Delinquency Rate on Credit Card Loans, All Commercial Banks (DRCCLACBS) from Q1 1991 to Q1 2025 about credit cards, delinquencies, commercial, loans, banks, depository institutions, rate, and USA.

Graph and download economic data for Consumer Loans: Credit Cards and Other Revolving Plans, All Commercial Banks (CCLACBW027SBOG) from 2000-06-28 to 2025-07-23 about revolving, credit cards, loans, consumer, banks, depository institutions, and USA.

The total value of credit card payments in Czechia increased year in year from 2004 to 2018 after which it has reduced annually. In 2020, payments made with cards with a credit function were valued at over *** billion euros. For many markets in Central and Eastern Europe, the regulatory and financial support afforded by the European Union membership provided strong potential for sustained growth in the credit card market. The penetration of credit cards in Czechia reached ** percent in 2019. Originally denominated in euros, the data was converted to U.S. dollars by Statista to allow for cross-country comparisons worldwide.

Despite considerable rebounds in economic conditions following the pandemic and the continued adoption of credit cards across downstream consumers’ financial arsenal, credit bureaus and collection agencies struggled amid high interest rates and rising competition. To combat the inflationary spikes that took place post-pandemic, the European Central Bank (ECB) raised key interest rate levels to as high as 4.75% in September 2023, creating a cascade effect where credit card interest rates also spiked across France. Amid higher credit card interest rates, consumers began to cut back on discretionary spending, dampening demand for frequent credit monitoring services and significantly curtailing growth. The rapid digitalisation of the financial industry, fuelled by advances in artificial intelligence (AI), accelerated automation and enabled sector-oriented companies to adopt their in-house technology for collecting late payments. This forced collection agencies to invest larger amounts of capital into their digital infrastructure, constraining profit and expediting change in how late payments are collected. Revenue is expected to fall at a compound annual rate of 3.6% to an estimated €673.6 million through the end of 2025, including an anticipated 11.35% decline in 2025 alone fuelled by in-house competition. Automation has been a key factor in change across credit bureaus and collection agencies’ workflows. As more consumers continue to embrace online banking and credit cards as part of their lifestyle, credit bureaus have been forced to adapt how they provide credit monitoring services and expand the inclusivity of their credit measurement services. Online mobile applications like CreditSafe have allowed credit bureaus with economies of scale to expand their sphere of influence by pivoting to digital servicing and being able to gain a more accurate picture of the average client’s finances. Moving forward, credit bureaus and collection agencies face a shaky future due to higher competition and gradual economic stabilisation. As household debt continues to fall, positive household finances also constrain the amount of debt within the French economy, lowering the need for portfolio-acquisition services and pushing collection agencies to focus on corporate clients that face bankruptcy. Even as innovation in new technologies like blockchain will offer a streamlined way of gathering and storing client data, revenue is expected to fall at a compound annual rate of 1.1% to an estimated €638.6 million through the end of 2030.

Credit card purchases in Colombia averaged roughly ******* Colombian pesos, or about ** dollars, in 2022 - a much lower value than in previous years. This is according to estimates based on the overall value of credit card transactions against the number of transactions within the country. These numbers have only been reported on an annual basis. Notable for Colombia is the sizable decrease over time, as credit card transaction size equaled about *** U.S. dollars in 2013. Credit cards rank as Colombia's most popular payment method in e-commerce.

This analysis presents a rigorous exploration of financial data, incorporating a diverse range of statistical features. By providing a robust foundation, it facilitates advanced research and innovative modeling techniques within the field of finance.

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Financial data:

• Historical daily stock prices (open, high, low, close, volume)

• Fundamental data (e.g., market capitalization, price to earnings P/E ratio, dividend yield, earnings per share EPS, price to earnings growth, debt-to-equity ratio, price-to-book ratio, current ratio, free cash flow, projected earnings growth, return on equity, dividend payout ratio, price to sales ratio, credit rating)

• Technical indicators (e.g., moving averages, RSI, MACD, average directional index, aroon oscillator, stochastic oscillator, on-balance volume, accumulation/distribution A/D line, parabolic SAR indicator, bollinger bands indicators, fibonacci, williams percent range, commodity channel index)

Machine learning features:

• Feature engineering based on financial data and technical indicators

• Sentiment analysis data from social media and news articles

• Macroeconomic data (e.g., GDP, unemployment rate, interest rates, consumer spending, building permits, consumer confidence, inflation, producer price index, money supply, home sales, retail sales, bond yields)

Potential Applications:

• Stock price prediction

• Portfolio optimization

• Algorithmic trading

• Market sentiment analysis

• Risk management

Use Cases:

• Researchers investigating the effectiveness of machine learning in stock market prediction

• Analysts developing quantitative trading Buy/Sell strategies

• Individuals interested in building their own stock market prediction models

• Students learning about machine learning and financial applications

Additional Notes:

• The dataset may include different levels of granularity (e.g., daily, hourly)

• Data cleaning and preprocessing are essential before model training

• Regular updates are recommended to maintain the accuracy and relevance of the data

Both in absolute and relative figures, the use of credit cards in the United States continued to grow in 2021. The per capita use of credit cards, for example, is estimated to have reached a figure of nearly *** transactions per person. Interestingly, this number is slightly below that of Canada. Credit cards remained the most popular in-store payment method in the U.S. since the coronavirus pandemic, but lost terrain to mobile wallets when it comes to the most used e-commerce payment methods available in the country.

Key information about China Household Debt

• China Household Debt reached 11,498.4 USD bn in Jan 2025, compared with the reported number of 11,347.6 USD bn in the previous month
• China Household Debt: USD mn data is updated monthly, available from Jan 2007 to Jan 2025
• The data reached an all-time high of 11,691.0 USD bn in Sep 2024 and a record low of 517.7 USD bn in Jan 2007

CEIC converts monthly Household Debt into USD. The People's Bank of China provides Household Debt in local currency. The Federal Reserve Board period end market exchange rate is used for currency conversions. Loans are used due to the lack of Flow of Funds statistics.


Further information about China Household Debt

• In the latest reports, China Household Debt accounted for 63.3 % of the country's Nominal GDP in Mar 2023
• Money Supply M2 in China increased 44,045.8 USD bn YoY in Sep 2024
• China Foreign Exchange Reserves was measured at 3,209.0 USD bn in Jan 2025
• The Foreign Exchange Reserves equaled 13.9 Months of Import in Dec 2024
• China Domestic Credit reached 49,338.1 USD bn in Jan 2025, representing an increased of 7.9 % YoY

Credit card purchases in Canada averaged roughly 99 Canadian dollars, or nearly 27 dollars, in 2022 - a value that was higher than in previous years. This is according to estimates based on the overall value of credit card transactions against the number of transactions within the country. These numbers have only been reported on an annual basis. Notable for Canada is the steady decline since 2012, which may indicate that credit cards have been used for increasingly smaller transactions.

Credit card purchases in France averaged roughly 50 euros, or nearly 60 dollars, in 2021 - a value that was higher than in previous years. This is according to estimates based on the overall value of credit card transactions against the number of transactions within the country. These numbers have only been reported on an annual basis. Notable for France is the significant decline in 2019, only for figures to pick up again in the following years.

Credit card purchases in Greece averaged less than 25 euros, or 29 U.S. dollars, in 2021 - a value that was significantly lower than in previous years. This according to estimates based on the overall value of credit card transactions against the number of transactions within the country. These numbers have only been reported on an annual basis. Greece stands out in that the number of credit card payments more than doubled between 2019 and 2021, whilst the value increased by roughly 20 percent during the same timeframe.

Credit card purchases in Germany averaged roughly 61 euros, or nearly 72 dollars, in 2021 - a value that was higher than in previous years. This is according to estimates based on the overall value of credit card transactions against the number of transactions within the country. These numbers have only been reported on an annual basis. Notable for Germany is the significant decline in 2019, only for figures to pick up again in the following years.

Credit card purchases in Brazil averaged roughly *** Brazilian real, or nearly ** dollars, in 2022 - a value that was slightly higher than in previous years. This is according to estimates based on the overall value of credit card transactions against the number of transactions within the country. These numbers have only been reported on an annual basis. Notable for Brazil is the continued increase in credit card transaction sizes since 2019, after having declined for years before then.