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2012 US Credit Card Usage Statistics

US Credit Card Usage Statistics

Estimated Number of Credit Card Holders in the USA –
181 Million

Estimated Number of Credit Cards in the USA –
609.8 Million

Annual Purchase Volume of US Credit Cards (2011) –
$2.1 Trillion

One-third of Americans Do Not Own A Credit Card

Purchase Volume (in Billions) Number of US Credit Cards (in Millions)

VISA $888.00 234.1
MasterCard $508.00 175.7

The average age at which a U.S. consumer first adopted a credit card is 20.8 years.

84% of students in the US have credit cards.

Average credit card consumer holds 4.4 credit cards.
One in ten consumers has more than 10 credit cards.

54% of US Credit Card Consumers pay their balance in full each month

33% 13%
33% carry balances up to $10,000 and 13% carry balances over $10,000

Cash point-of-sale purchases are expected to drop from 27% to 23% by 2017

Credit card point-of-sale purchases are expected to grow from 29% to 33% by 2017

Expenses Paid Most Often with Credit Cards
81% Travel Expenses
44% Eating/Dining Out
20% Household Bills
77% Expensive Purchases
38% Grocery
15% Small Expenses
46% Personal Items
37% Entertainment

Two –thirds of credit card consumers said they would consider switching their primary credit card for better features

Top Credit Card Features
73% No Annual Fee
41% Bonus / Exclusive Deals
20% Airline Miles
47% Low Interest Rates
38% Introductory Reward Points
19% Zero Liability on Unauthorized Purchases
46% Reward Points
30% Unlimited Cash Back
10% Discounted Retail Partnerships

2012 US Credit Card Usage Statistics

shared by gogulf on Nov 16, 2012 in Economy

2012 US Credit Card Usage Statistics

shared by gogulf on Nov 16, 2012 in Economy


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In spite of the tough global economy, credit card usage is still growing. There are about 181 million credit cards in the US!
Rank: 76 of 4584 in Economy
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