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

Looking at trends for activity, utilization, spend, balances, usage, interest reveals new focus areas for issuers

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

Markedly lower increase in card spend shows how consumers are reacting to the 'new normal'

End of lockdown spurs spending, but continued government support and accrued savings blur the true picture of UK debt

FICO data shows true state of consumer finances still masked in March; April will be pivotal for lenders

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

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

Latest FICO data on UK credit cards patterns shows more signs of stress for many, while lockdown has helped others

FICO UK Credit Market Report for January 2021 suggests that curtailed spending on UK cards has helped some consumers but shows an increase in accounts missing two or more payments

December 2020 data on UK credit cards reveals rapidly increasing balances for consumers missing two or more payments

The FICO UK Credit Market Report for November shows a rise in card spending, raising concerns over post-holiday payments

Analysis of UK card trends shows scope for high spending over the holiday, perhaps leading some consumers into hot water

How do you prevent first-party fraud and synthetic identity fraud without putting unnecessary barriers in the way of customers?

Synthetic identity fraud is hitting hard and financial institutions are unsure how to deal with it