The Credit Card Statistics provide data in relation to monthly credit card transactions. A breakdown of the number of credit cards issued to Irish residents is also provided.

Credit card debt in the United States has been growing at a fast pace between 2021 and 2025. In the fourth quarter of 2024, the overall amount of credit card debt reached its highest value throughout the timeline considered here. COVID-19 had a big impact on the indebtedness of Americans, as credit card debt decreased from *** billion U.S. dollars in the last quarter of 2019 to *** billion U.S. dollars in the first quarter of 2021. What portion of Americans use credit cards? A substantial portion of Americans had at least one credit card in 2025. That year, the penetration rate of credit cards in the United States was ** percent. This number increased by nearly seven percentage points since 2014. The primary factors behind the high utilization of credit cards in the United States are a prevalent culture of convenience, a wide range of reward schemes, and consumer preferences for postponed payments. Which companies dominate the credit card issuing market? In 2024, the leading credit card issuers in the U.S. by volume were JPMorgan Chase & Co. and American Express. Both firms recorded transactions worth over one trillion U.S. dollars that year. Citi and Capital One were the next banks in that ranking, with the transactions made with their credit cards amounting to over half a trillion U.S. dollars that year. Those industry giants, along with other prominent brand names in the industry such as Bank of America, Synchrony Financial, Wells Fargo, and others, dominate the credit card market. Due to their extensive customer base, appealing rewards, and competitive offerings, they have gained a significant market share, making them the preferred choice for consumers.

Credit Card Transaction: Quarterly: Volume data was reported at 9,502.716 Unit mn in Jun 2022. This records an increase from the previous number of 9,301.651 Unit mn for Mar 2022. Credit Card Transaction: Quarterly: Volume data is updated quarterly, averaging 6,627.430 Unit mn from Mar 2019 (Median) to Jun 2022, with 14 observations. The data reached an all-time high of 9,502.716 Unit mn in Jun 2022 and a record low of 4,705.638 Unit mn in Jun 2020. Credit Card Transaction: Quarterly: Volume data remains active status in CEIC and is reported by Central Bank of Brazil. The data is categorized under Global Database’s Brazil – Table BR.KAA001: Credit Card Statistics.

Introduction

Credit Card Statistics: A credit card is a widely used financial tool that allows consumers to make purchases or withdraw cash on credit, accruing debt to be repaid later. As of Q4 2024, Americans held approximately USD 1.21 trillion in credit card debt, marking a 4% increase from the previous year. The average credit card balance per consumer reached USD 6,730, up by 3.5% from 2023.

In the same period, the number of credit card accounts in the U.S. rose to about 617 million. Globally, Visa and Mastercard have approximately 1.3 billion and 1.1 billion credit cards in circulation, respectively. Credit cards accounted for 32% of all payment transactions in 2023, reflecting their significant role in consumer spending. However, 22% of credit card users make only minimum payments, indicating potential financial strain. Additionally, credit card delinquency rates rose to 3.6% in Q4 2024, highlighting challenges in debt repayment. These statistics underscore the importance of responsible credit card usage and financial management.

Credit cards also allow customers to build a debt balance that is related to the interest being charged. Let’s shed more light on “Credit Card Statistics†through this article.

The credit card penetration in Thailand was forecast to continuously increase between 2024 and 2029 by in total 36.8 percentage points. After the fifteenth consecutive increasing year, the credit card penetration is estimated to reach 67.53 percent and therefore a new peak in 2029. Notably, the credit card penetration of was continuously increasing over the past years.The penetration rate refers to the share of the total population who use credit cards.The shown data are an excerpt of Statista's Key Market Indicators (KMI). The KMI are a collection of primary and secondary indicators on the macro-economic, demographic and technological environment in up to 150 countries and regions worldwide. All indicators are sourced from international and national statistical offices, trade associations and the trade press and they are processed to generate comparable data sets (see supplementary notes under details for more information).Find more key insights for the credit card penetration in countries like Malaysia and Philippines.

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.

Daily Card Payments by Irish Households. A subset of the monthly Card Payment Statistics. The onset of the Covid-19 pandemic created the need for timely, high-frequency data, such as the Daily Credit and Debit Card Statistics, to better understand the impact of the pandemic on personal expenditure and economic activity. This high-frequency daily Credit and Debit Data captures expenditure of euro-denominated credit and debit cards issued to Irish residents. The dataset consists of total daily debit and credit card spending and ATM withdrawals, while from 1 October 2020, expenditure in a number of key sectors of the economy, and a split of online and in-store spending is also available.

Credit Card: VT: Bank Affiliated: Personal: Lump Sum Payments data was reported at 20,755,933.000 KRW mn in Apr 2018. This records a decrease from the previous number of 21,137,159.000 KRW mn for Mar 2018. Credit Card: VT: Bank Affiliated: Personal: Lump Sum Payments data is updated monthly, averaging 11,439,943.000 KRW mn from Jan 2003 (Median) to Apr 2018, with 184 observations. The data reached an all-time high of 21,137,159.000 KRW mn in Mar 2018 and a record low of 4,112,347.000 KRW mn in Feb 2003. Credit Card: VT: Bank Affiliated: Personal: Lump Sum Payments data remains active status in CEIC and is reported by The Bank of Korea. The data is categorized under Global Database’s Korea – Table KR.KA032: Credit Card Statistics: The Bank of Korea.

The credit card penetration in Brazil was forecast to continuously increase between 2024 and 2029 by in total 16.6 percentage points. After the twelfth consecutive increasing year, the credit card penetration is estimated to reach 62.27 percent and therefore a new peak in 2029. The penetration rate refers to the share of the total population who use credit cards.The shown data are an excerpt of Statista's Key Market Indicators (KMI). The KMI are a collection of primary and secondary indicators on the macro-economic, demographic and technological environment in up to 150 countries and regions worldwide. All indicators are sourced from international and national statistical offices, trade associations and the trade press and they are processed to generate comparable data sets (see supplementary notes under details for more information).

View quarterly updates and historical trends for US Credit Card Debt. from United States. Source: Federal Reserve Bank of New York. Track economic data wi…

Turkey Number of Credit Cards data was reported at 62,453,610.000 Unit in 2017. This records an increase from the previous number of 58,795,476.000 Unit for 2016. Turkey Number of Credit Cards data is updated yearly, averaging 43,893,319.500 Unit from Dec 2000 (Median) to 2017, with 18 observations. The data reached an all-time high of 62,453,610.000 Unit in 2017 and a record low of 13,408,477.000 Unit in 2000. Turkey Number of Credit Cards data remains active status in CEIC and is reported by The Interbank Card Center. The data is categorized under Global Database’s Turkey – Table TR.KA013: Credit and Debit Cards Statistics: Annual.

Israel Number of Credit Cards not in Use data was reported at 2,402,317.000 Unit in Mar 2018. This records an increase from the previous number of 2,284,837.000 Unit for Dec 2017. Israel Number of Credit Cards not in Use data is updated quarterly, averaging 2,122,150.000 Unit from Sep 2014 (Median) to Mar 2018, with 15 observations. The data reached an all-time high of 2,402,317.000 Unit in Mar 2018 and a record low of 1,730,188.000 Unit in Sep 2014. Israel Number of Credit Cards not in Use data remains active status in CEIC and is reported by Bank of Israel. The data is categorized under Global Database’s Israel – Table IL.KA007: Credit Card Statistics.

In 2021, the share of the adult population in European countries varied between eight percent in Albania to as high as ** percent in Norway. Using a credit card allows the cardholder to pay for goods and services with the agreed promise to the card issuer that they will repay the amount borrowed either in installments or as a single payment. In Europe, the credit card is a less popular payment choice as compared to the debit card. Two horse race In Europe, there are two main credit card providers. Between Visa and Mastercard they make up over 90 percent of the purchase volume market share across Europe. In total, there are over *** million payment cards across the continent. Credit card transaction value When it comes to usage, there is one European country that is far more excepting of getting out the credit card. In 2017, the United Kingdom saw well over 190 billion euros in credit card transactions. This was more than *** time the amount spent in France.

The rise of Buy Now, Pay Later (BNPL) services has sparked a major shift in how consumers handle short-term financing. Once dominated by traditional credit cards, the space is now being rapidly redefined by digital installment platforms that promise simplicity, speed, and no interest. From online retail to everyday expenses...

Please Upvote

Features name: (Credit_Card.csv)

Ind_ID: Client ID

Gender: Gender information

Car_owner: Having car or not

Propert_owner: Having property or not

Children: Count of children

Annual_income: Annual income

Type_Income: Income type

Education: Education level

Marital_status: Marital_status

Housing_type: Living style

Birthday_count: Use backward count from current day (0), -1 means yesterday.

Employed_days: Start date of employment. Use backward count from current day (0). Positive value means, individual is currently unemployed.

Mobile_phone: Any mobile phone

Work_phone: Any work phone

Phone: Any phone number

EMAIL_ID: Any email ID

Type_Occupation: Occupation

Family_Members: Family size

Another data set (Credit_card_label.csv) contains two key pieces of information

ID: The joining key between application data and credit status data, same is Ind_ID

Label: 0 is application approved and 1 is application rejected.

Imagine a world where credit cards are not just a convenient tool for purchasing, but a financial lifeline shaping the behavior and preferences of millions. Credit cards have revolutionized spending habits, offering not just a mode of payment but a way to manage finances with flexibility. In the United States,...

China Credit Card Payable Credit data was reported at 8,710.000 RMB bn in Dec 2024. This records an increase from the previous number of 8,610.000 RMB bn for Sep 2024. China Credit Card Payable Credit data is updated quarterly, averaging 3,675.000 RMB bn from Mar 2008 (Median) to Dec 2024, with 68 observations. The data reached an all-time high of 8,760.000 RMB bn in Sep 2022 and a record low of 88.410 RMB bn in Mar 2008. China Credit Card Payable Credit data remains active status in CEIC and is reported by The People's Bank of China. The data is categorized under China Premium Database’s Money and Banking – Table CN.KC: Bank Card Statistics.

Credit card statistics by age group (Financial Information Service Co., Ltd.)

Israel Number of Credit Cards in Use data was reported at 8,443,559.000 Unit in Mar 2018. This records an increase from the previous number of 8,271,394.000 Unit for Dec 2017. Israel Number of Credit Cards in Use data is updated quarterly, averaging 7,747,530.000 Unit from Sep 2014 (Median) to Mar 2018, with 15 observations. The data reached an all-time high of 8,443,559.000 Unit in Mar 2018 and a record low of 7,070,462.000 Unit in Sep 2014. Israel Number of Credit Cards in Use data remains active status in CEIC and is reported by Bank of Israel. The data is categorized under Global Database’s Israel – Table IL.KA007: Credit Card Statistics.

The decision to give credit to a particular borrower is a very important decision for various financial institutions as this affects their revenue and profit. There is always a risk of default (not paying), this risk can be reduced by using data to identify the potential customers who will pay back and the ones who will default on their loan.

This dataset contains demographic and payment status data from a bank. The dataset can be used to practice and hone your exploratory data analysis and machine learning skills