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市場調査レポート - 127573

米国のリワードカード市場:第3版

Rewards Cards in the U.S., 3rd Edition

発行 Packaged Facts
出版日 ページ情報 英文 196 Pages
価格
米国のリワードカード市場:第3版 Rewards Cards in the U.S., 3rd Edition
出版日: 2010年09月01日 ページ情報: 英文 196 Pages
概要

当レポートでは、米国のクレジットカードおよびリワードプログラムの市場について調査分析し、クレジットカード市場の各種動向とリワードプログラムへの影響、リワードプログラム付帯カードの市場シェア実績・予測、リワードプログラムのタイプ・各種関連戦略、主要企業のリワードプログラム、消費者のクレジットカード利用動向などをまとめ、概略下記の構成でお届けいたします。

第1章 エグゼクティブサマリー

第2章 マクロ経済による影響・各種規制・リワードカード市場

  • 規制分析
  • 市場規模・成長率
    • クレジットカードにおけるリワードカードのシェア:2005-2013年
    • 主要4社のクレジットカードアカウント数:2005-2009年
    • 主要4社のクレジットカード利用額:2005-2009年、など

第3章 消費者クレジットの動向

  • 消費者のローン負債額
  • カードローンの貸付条件の強化
  • クレジットカード金利の上昇
  • カードポートフォリオと消費者・発行業者の行動、など

第4章 消費者による決済の動向:概要

  • クレジット・デビット・現金・小切手の利用動向、など

第5章 リワードカードの動向・革新・戦略

  • 富裕層グループと若年層グループ
  • リワードタイプの動向
  • コ・ブランドリワードカードの動向
  • プライベートラベルカード
  • 小規模ビジネスリワードカード
  • デビットリワード、など

第6章 American Express:リワード構造と戦略

  • 提供価値
  • 企業概要
  • ネットワークとカードイニシアチブ
  • 不況への対応
  • Credit CARD Actへの対応
  • チャージカード
  • リボルビングクレジットカード
  • コブランドカード
  • 売上・カード成長、など

第7章 JP Morgan Chase:リワード構造と戦略

  • 提供価値
  • カードサービス
  • 不況への対応
  • Credit CARD Actへの対応
  • カード戦略:ブランド・リワード・顧客関係の構築
  • カードおよびリワードイニシアチブ
  • 決済額など各種データ、など

第8章 主なカード発行業者およびアソシエーション

  • Bank of America
  • Wells Fargo & Company
  • Capital One Financial
  • Discover Financial Services
  • MasterCard
  • Visa

第9章 消費者のクレジットカード利用動向

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目次

Abstract

2010 brings a perfect storm to the credit card industry, driven by recession-induced changes that are reshaping its core. At the same time, card rewards have become ubiquitous. In the face of some of the most significant changes the credit card industry has ever faced, some argue that rewards programs are simply no longer feasible in an era of constrained revenue and profits. However, as detailed in Packaged Facts' Rewards Cards in the U.S., it is not a matter of eliminating reward programs, but rather about adapting them to some of the most significant changes the credit card industry has ever faced.

In its most consultative report in the series, this 3rd edition of Rewards Cards in the U.S. helps position industry participants to navigate this reengineering in card rewards by assessing the following industry trends and challenges:

  • How does continued migration to electronic payments shape the future of rewards?
  • Which regulatory changes are most relevant to rewards?
  • Understanding the macroeconomic and credit factors that shape the pool of current and future credit card customers.
  • How large is this pool of customers?
  • Does the current credit environment effect migration from credit to debit? Why? How?
  • Which fee structures are being implemented - or could be implemented - to counteract regulatory change?
  • How are card issuers' credit card portfolios adapting to change? How can they share in tapping a smaller pool of cardholders while growing profits?
  • What will happen to affluent, credit worthy cardholders? Less credit worthy cardholders? How do rewards play a role?
  • Can rewards help grow transactions and help extend card reach beyond a shrinking consumer base?
  • How does closed-loop versus open-loop competition and significant industry consolidation affect competition?
  • What is the fate of co-brand rewards?
  • Which reward types best fit the needs of specific consumers?
  • Over the course of the recession, which consumers are active card users? Multiple card users? Transactors? Revolvers? How has this changed over time?

In addition to (or as part of) addressing these issues, this report trends consumer use of credit cards, analyzing usage patterns from 2007 to 2010, identifying specific consumer groups according to active card usage, cards in wallet, and classification as transactors or revolvers. In doing so, Packaged Facts assesses some factors most integral to credit worthiness, including net worth, home value, and HH income.

Rewards Cards in the U.S., 3rd Edition also contains:

  • In-depth competitive profiles of the associations and major issuers written by industry experts
  • Selected strategic card players assessments
  • Comprehensive, holistic assessment of macroeconomic and credit trends
  • Complete market size and forecast

Table of Contents

Chapter 1: Executive Summary

  • Scope and Methodology
  • Report Scope
  • Report Methodology
  • Macroeconomic Influence on the Credit Card Industry
  • Consumer confidence helps put brakes on spending
  • Unemployment picture stabilizes
  • Housing and equities still down
  • Consumer Credit Trends
  • Chipping away at the debt burden
    • But higher charge-off rates play a role
  • The banks' side of the argument: card lending policies tighten
    • Unused credit lines pulled
    • Eleven consecutive quarters of credit card tightening
    • The result: Fewer prospects.
  • Credit card interest rates increase while banks' borrowing costs decrease
  • Consumer Payment Trends: An Overview
    • Rewards cards in the wallets of more than 75% of credit card users
    • Cash still the most widely used payment instrument for retail payments
  • Regulatory Analysis
    • The CARD Act: Implementation and Response
    • Regulation E
    • Dodd-Frank Wall Street Reform and Consumer Protection Act
      • Bureau of Consumer Financial Protection
      • The Durbin Amendment
  • Rewards Card Market Size and Forecast
    • Rewards Cards to Continue to Build Credit Card Share
      • Account attrition rampant; rewards no exception
      • Moving upstream, rewards in tow
      • A question of degree
      • And a question of fitting into broader strategy
      • Rewards card share to grow incrementally through 2013
  • Rewards Trends, Innovations & Strategies
    • A Tale of Two Groups: the Affluent and the Young
    • Why target the affluent? Simple: big card spend; high FICOs
      • MasterCard rolls out the red carpet
      • American Express Spins Gold
      • Chase asks customers to try Sapphire
    • What about younger consumers?
      • Debit stalks credit
    • Trends in Rewards Types
    • Practicality of cash rewards drives increased consumer interest
      • JPM Chase Brings Back 5% Cash Back - with caveats
    • Private Label Cards: Retailers Taking a Second Look?
    • Co-branding trend runs strong
    • Small-Business Rewards
      • Credit cards a fraction of small-business B2B transactions
    • Debit Rewards
    • Debit Rewards Gaining Traction
    • Cash back debit cards on the rise
  • Rewards Profiles
    • Bank of America
    • Reward Cards Offerings
    • 2010 Card Strategy
    • Wells Fargo & Company
    • Rewards Cards
    • Capital One Financial
    • Entrance into Reward Cards & Offerings
    • Discover Financial Services
    • Network and Card Initiatives
    • Rewards Cards
    • Rewards Snapshots: MasterCard and Visa
    • Co-branding and Premier Rewards
    • Relationship Rewards Construct
      • Card counts drop precipitously
    • Visa
    • Visa' s Three-tiered Consumer Credit Platform
  • Consumer Credit Card Usage Trends
    • Credit card use dips
      • MasterCard credit card use drops the most and American Express the least
      • American Express cardholders report highest level of engagement
      • But cardholder engagement also drops over time
      • Among full-time employed, credit card use is stable
      • But engagement differentiates “Big “Four”
      • And engagement trends suggest credit card pullback
    • Swimming upstream: assessing higher-HH-income brackets
      • MasterCard engagement highest among $150K+ HH income consumers
      • Discover card engagement falls ten percentage points during 2007-2010
      • American Express Blue at 12.4 million mark
      • Discover card accounts at about 31 million
      • MasterCard Consumer Credit Card Use & Engagement
      • Visa Consumer Credit Card Use & Engagement
    • Co-Brand Usage Trends, Big Four

Chapter 2: Macroeconomic Influences, Regulations and the Rewards Card Market

  • Consumer confidence helps put brakes on spending
    • Current perceptions of business conditions, job prospects darken
    • Expectations Index dips as job prospect optimism dims
  • Unemployment picture stabilizes
    • Figure 2-1: Unemployment Rate and Consumer Confidence, 2007-2010
  • Unemployment picture affects some more than others
    • Unemployment rate among less educated jumps five percentage points
    • Credit worthiness suffers
    • Young adults in a bind
    • Table 2-1: Unemployment Rate, Selected Demographics, 2007-2010 (%)
    • Black and Hispanic consumers also more likely to be affected
  • How can increasing personal savings and reducing the debt burden be bad?
  • Unemployment and GPD forecast
    • Slow employment rebound to coincide with a slow rebound in consumer spending
    • Table 2-2: Unemployment and GDP Forecast, 2010-2012
    • Stock & housing declines deflate household wealth; rebound to record 2006 levels a long way off
    • Q1 2009 to Q1 2010 sees uptick in household wealth, but still $10 trillion off 2006 high
    • Table 2-3: Household Net Worth, 2005-2010 (in trillions of $)
    • Case-Shiller and FOMC housing pessimism
    • Table 2-4: Household owners' equity in real estate as a percentage of households owner-occupied real estate, 2003-2010 (%)
    • Q2 2010 summary equities analysis
    • Figure 2-2: Wealth Effect: Wilshire 5000 and Case Shiller Index, 2007-2010
  • Regulatory Analysis
    • The CARD Act: Implementation and Response
    • Card Act - Stage I - August 2009
    • Card Act - Stage II - February 2010
    • Card Act - Stage III - August 2010
    • Ramifications of the CARD Act
      • Cost to banks in the billions
      • Making up the difference
    • Regulation E
    • Dodd-Frank Wall Street Reform and Consumer Protection Act
      • Bureau of Consumer Financial Protection
      • The Durbin Amendment
      • Fees
      • Reasonable and proportional
  • Market Size & Growth
    • Rewards Cards to Continue to Build Credit Card Share
      • Account attrition rampant; rewards no exception
      • Moving upstream, rewards in tow
      • A question of degree
      • And a question of fitting into broader strategy
      • Rewards card share to grow incrementally through 2013
      • Table 2-5: Rewards Cards, Percentage Share of Credit Cards, 2005-2013
    • The Backdrop: Credit Card Market Size
      • Table 2-6: Credit Card Accounts, Big Four, 2005-2009
      • Table 2-7: Credit Cards in Force, Big Four, 2005-2009
      • Table 2-8: Credit Card Payments Volume, Big Four, 2005-2009

Chapter 3: Consumer Credit Trends

  • Chipping away at the debt burden
    • Consumer credit and home mortgage debt rates on the decline
    • Figure 3-1: Consumer Debt Burden, 2000-2010
    • Debt service ratios peak at onset of 2008 and decline thereafter
    • Figure 3-2: Savings Rate & Debt Service Ratio & Financial Obligations Ratio, 2007-2010
    • Revolving credit trends in focus
    • Figure 3-3: Consumer Revolving and Non-Revolving Debt Trends, 2004-2010
    • But higher charge-off rates play a role
    • Figure 3-4: Credit Card Charge-off Rates, Top 100 Banks, 2005-2010
  • The banks' side of the argument: card lending policies tighten
    • Unused credit lines pulled
    • Eleven consecutive quarters of credit card tightening
    • The result: Fewer prospects
    • Figure 3-5: Credit Card Loan Tightening, Top 100 Banks, 2007-2010
  • Credit card interest rates increase while banks' borrowing costs decrease
    • Federal funds target rate at historical lows
    • Profit margins breathe easier
    • Figure 3-6: Consumer Auto, Personal and Credit Card Loan Interest Rates, 2004-2010
  • Card Portfolios Reflect Consumer & Issuer Behavior
    • American Express charge-off trends reflect a more affluent, creditworthy consumer
    • Figure 3-7: Charge-Off Rates, Big Six, Q1 2009-Q1 2010
    • Bank America credit card delinquency rates twice as high as AMEX rates
    • Figure 3-8: Delinquency Rates, Big Six, Q1 2009-Q1 2010
    • Big Six Issuers: Loan Balances and Purchase Volume, Q1 2009-Q1 2010
    • Figure 3-9: Card Loan Balances, Big Six, Q1 2009-Q1 2010
    • Figure 3-10: Purchase Volume, Big Six, Q1 2009-Q1 2010

Chapter 4: Consumer Payment Trends: An Overview

  • Stronger Debit Growth Virtually Assured
    • But that is not necessarily bad
    • Figure 4-1: Credit, Debit, Cash and Check Usage Trends, by Point of Sale, 2007-2009
  • A Disenfranchised Lot
    • Figure 4-2: Reported Changes to Card Terms & Conditions, 2009
    • A crisis in confidence
    • Followed by direct action
  • Card transactions 53% of all payment transactions
  • Debit overtakes credit
    • Rewards cards in the wallets of more than 75% of credit card users
    • Table 4-1: Current Adoption of Payment Instruments, By Instrument Features, 2008
    • Table 4-2: Number of Adopted Bank Accounts and Payment Cards, 2008
    • Cash still the most widely used payment instrument for retail payments
    • Table 4-3: Use of Payment Instruments in a Typical Month, by Type of Instrument, 2008
  • Share of cash and checks as a percentage of transactions to continue to drop
    • Table 4-4: Actual and Expected Changes in Use of Payment Instruments, By Period of Change, 2008 (%)
  • Credit cards still the domain of larger-ticket purchases
    • Credit cards have an edge in gas and automotive expenses
    • Figure 4-3: Comparison of Credit and Debit Card Usage, by Type of Purchase, 2009
  • I' ll switch, I' ll switch!
    • For a lower rate - or better rewards
    • Figure 4-4: Card-Switching Rationales, 2009
    • Cash back, please
    • Figure 4-5 Reward Type Preferences, 2009
    • Credit card users who pay bills with their cards versus those who do not
  • First Data: rewards memberships: credit cards decline; debit cards increase

Chapter 5: Rewards Trends, Innovations & Strategies

  • Credit cardholders spending less, weighing rewards
    • Rewards still incent switching
  • A Tale of Two Groups: the Affluent and the Young
    • Why target the affluent? Simple: big card spend; high FICOs
      • Rewards in the acquisitions spotlight
      • Rewards and FICO
      • Tale of the tape
      • Visa rolls out the red carpet
      • American Express Spins Gold
      • Chase asks customers to try Sapphire
    • What about younger consumers?
      • Debit stalks credit
      • ZYNC - none too soon
      • A bevy of packs; a bevy of choice
  • Trends in Rewards Types
    • Practicality of cash rewards drives increased consumer interest
      • JPM Chase Brings Back 5% Cash Back
      • Caveats
    • Travel rewards not dead
      • Chase launches Continental Airlines OnePass Plus Card
      • Benefits added to Continental Airlines Presidential Plus Card
      • Cap One Introduces ‘Simplified’ Venture Travel Rewards Card
      • Travelocity Rewards American Express Card
      • Airline Rewards worth a Fight
  • Co-brand Rewards Card Trends
    • A question of scale, return on investment, and loyalty generation
    • Not the end of co-brand, but the rationalization of co-brand
    • Rationalization to benefit American Express
    • American Express on the Move
      • American Express Partners with Travelocity for Travel Rewards Card
      • American Express Replaces Visa on Co-branded Macy' s Cards
    • Chase and Starbucks Pull Plug on Duetto
    • Citigroup drops Home Depot and has challenges with Zales
    • Best Western International refreshes cobranded rewards card
  • Private Label Cards: Retailers Taking a Second Look?
    • Co-branding trend runs strong
    • Until Now: Target' s Flip-Flip Sends Industry a Message
      • Test measured effect of rewards
    • U.S. Bancorp Buys Kroger Card Portfolio
    • Getting Merchants to Shoulder More of the Rewards Bill
      • First Data is doing it
      • Barclays is doing it
  • Small-Business Rewards
  • Credit cards a fraction of small-business B2B transactions
    • OPEN for competition
      • Small business co-branding with Lowe' s
    • But Competition Looms
      • JPMorgan Chase salivates over small business market
    • JP Morgan Chase Ink
  • Debit Rewards
    • Debit Rewards Gaining Traction
    • Debit Rewards - for a Fee
      • Chase Unveils Disney Rewards Visa Debit Card with $25 Annual Fee
      • Joining a growing list of fee-based debit rewards cards
    • But “free” is an option, too
      • KeyBank offers free MasterCard contactless rewards debit card
    • Cash back debit cards on the rise
      • Cash back to incent debit trial
      • Keep the Change!
      • Way2Save!
      • A regional twist: Commuter Cash

Chapter 6: American Express: Rewards Anatomy and Strategy...

  • Value Proposition
    • Table 6-1: 2008 Worldwide Cardholder Spend, American Express, Visa, & MasterCard
  • Company overview
  • Summary Introduction: Network and Card Initiatives
  • Rewards Cards and Loyalty Programs Are the Name of the Game
  • Response to Recession
  • Response to Credit CARD Act
  • Prospects
    • American Express well-situated to take advantage of frugality trend
  • Threats to Growth
    • Reduction in discount revenue a foreboding possibility
    • More partnership agreements & greater card acceptance needed
    • What Differentiates American Express Now Makes It More of a Target
    • No debit card?
    • Regulatory change
  • American Express Customer Patterns
    • Shift to discretionary spend
    • Shift toward everyday spending continues
  • Charge Cards: Reemergence of a Mainstay Product
    • Two Sides of the Demographic Coin: Premier Rewards Gold and ZYNC Card
    • Table 6-2: Charge Card as Debit Card: Benefits of Charge
    • Don' t Take Chances, Take Charge
  • Revolving Credit Cards
    • In-House Proprietary Cards Perform - But Are They Being Left Behind?
    • Significant share of billings, but scaling back
  • Co-brand Cards: The Fight Is On
    • U.S. Card Services: Co-Branded Cards Grow Sales
    • Co-brand Contract Developments
    • Co-brand Partnerships with Financial Services Institutions
    • Airline strength also vulnerability
  • Membership Rewards Program Underpins Charge, Proprietary and Co-Brand Cards
  • Rewards: An Increasingly Expensive Proposition
    • A double-sided dilemma
    • Expenses already beginning to mount
  • American Express: Relationship of Discount Rate to Merchants, Issuers, and Acquirers
    • How it works
    • Leveraging its closed-loop network
    • Whew: No Interchange Fee
  • Sales and Card Growth
    • Worldwide assessment
    • Table 6-3: American Express Card Billed Business, Discount Revenue, Net Card Fees, 2007-Q2 2010 (in billions of $)
    • Table 6-4: American Express Discount Rate, Card Spend, & Fee per Card, 2005-Q2 2010
    • Cardmember rewards expenses
    • Table 6-5: American Express Rewards Expense and Liabilities, 2007-Q2 2010
    • Table 6-6: American Express, Credit Quality Metrics, 2006-2009 (in billions of $)
    • U.S. growth trends
    • Table 6-7: American Express U.S. Region Billed Business & Cards in Force, 2005-2009
    • U.S. Card Services
    • Table 6-8: American Express, Quarterly Summary, Q2 2009-Q2 2010
    • Table 6-9: American Express, U.S. Card Services Segment, Selected Sales Metrics, 2006-2009 (in billions of $)
    • Table 6-10: American Express, U.S. Card Services Segment, Card Billed Business, 2005-2009
    • Table 6-11: American Express, U.S. Card Services, Q2009-Q2 2010
    • Table 6-12: American Express, Global Network Services Segment, Billed Business & Cards in Force, 2007-Q2 2010
  • Q1 2010
  • Q2 2010
    • Q2 2010 rewards-related expenses skyrocket

Chapter 7: JP Morgan Chase: Rewards Anatomy & Strategy...

  • Value Proposition
  • Card Services: Summary Overview
  • Response to Recession
    • Identifying loss rate correlations
    • Figure 7-1: JPMorgan Chase Card Services, Average Net Charge-off Unit Rate by External Card Debt, 2008-2009
    • Then act accordingly
    • Table 7-1: JPMorgan Chase Card Services, Credit Line Decreases & Account Closures, by Cardholder Debt-to-Income Rate, 2008-2009
    • And moving forward, narrow the prospect pool
    • Table 7-2: JPMorgan Chase Card Services, Credit Line Decreases & Account Closures, by Cardholder Debt-to-Income Rate, 2008-2009
    • Adjust intro rates, promo rates, and contract rates
    • Table 7-3: JPMorgan Chase Card Services, Interest Rate Offerings Change, 2008-2009
    • A more sophisticated risk management strategy
  • Response to CARD Act
  • Prospects
    • Credit card outstandings on track to shrink 15% in 2010
  • Threats to Growth
    • Reduction in interchange revenue
    • Regulatory change
  • JPMorgan Chase Card Service Customer Patterns
    • Sales among affluent customers strengthen most
    • Bigger wallets; increased rate of spend
    • Consumer confidence and sales volume not a coincidence?
    • Shift to discretionary spend
    • A more creditworthy cardholder base
    • Figure 7-2: FICO Spreads, “Big Six” Issuers, Trust Receivables, 2009
  • Card Strategy: Build Brand, Rewards & Customer Relationship
    • 2008 - 2009 - 2010
  • Card and Rewards Initiatives
    • Ultimate Rewards, Blueprint, Sapphire, and Ink frame strategy
    • “Rewards-engaged” customers outperform across all key metrics
    • Table 7-4: JPMorgan Chase Card Services, Rewards-Engaged Metrics, 2009
    • Figure 7-3: JPMorgan Chase Card Services, Rewards Share of Outstandings, 2004-2009
  • Co-brand: Keep stronger hands and eliminate weaker ones
    • Table 7-5: JPMorgan Chase Card Services, Co-brand and Affiliation Rationalization, 2008-2009
    • Leveraging branch presence & co-brand relationships in affluent markets
  • JPMorgan Chase Card Services by the Numbers
    • Card metrics
    • All Chase
    • Chase not Washington Mutual
    • Washington Mutual
    • Loan loss allowance increases
    • Down, down, down: cards, transactions and volume
    • Table 7-6: JPMorgan Chase Card Services, Financial and Business Metrics, 2007-2009
    • Table 7-7: JPMorgan Chase Card Services, Selected Balance Sheet Data, 2007-2009
    • Lions and tigers and Washington Mutual, oh, my!
    • Table 7-8: JPMorgan Chase Card Services, Washington Mutual Key Stats, 2007-2009

Chapter 8: Card Issuer and Association Analysis

  • Bank of America
    • Company Overview
    • Credit Card Division (Global Cards Services)
    • Reward Cards Offerings
    • Financial Objectives to Card Issuance
    • Financial Results and Root Cause
    • Something Needs to Be Done
    • Future of BAC' s Reward Card Programs
    • Card Act Response
    • Card Act and Rewards
    • 2010 Card Strategy
      • Affinity program
    • Bank of America: Key Metrics
      • Table 8-1: Bank of America, Credit Card - Domestic, Key Metrics, 2007-2009
  • Wells Fargo & Company
    • Company overview
    • Network and Card Initiatives
    • Rewards Cards
    • Response to Credit CARD Act
    • Response to Recession
    • Prospects
    • Wells Fargo: Key Metrics
      • Table 8-2: Wells Fargo, Key Credit Card Metrics, 2007-2009
  • Capital One Financial
    • Company Overview
    • History and development
    • Entrance into Reward Cards & Offerings
    • From monoline to bank
    • The Great Recession' s impact on Capital One
    • Future of Capital One' s Reward Card Programs
      • Simplicity and transparency
    • Card Act Response
    • Card Act and Rewards
    • Capital One: Key Metrics
      • Table 8-3: Capital One, Key Credit Card Metrics, 2007-2009
  • Discover Financial Services
    • Company overview
    • Network and Card Initiatives
    • Rewards Cards
      • Table 8-4: Discover, % Cashback Bonus per Dollars Spent, 2007-2009
    • Response to Credit CARD Act
    • Response to Recession
    • Prospects
      • Table 8-5: Discover, Key Credit Card Metrics, 2007-2009
  • MasterCard..
    • Overview
    • Co-branding and Premier Rewards
    • Relationship Rewards Construct
    • MasterCard Marketplace open for business
    • MasterCard by the Numbers
      • Card counts drop precipitously
      • 2008 declines intensify in 2009
      • Table 8-6: MasterCard U.S. Credit Card Metrics, 2005-2009
  • Visa
    • Visa' s Three-tiered Consumer Credit Platform
    • Visa by the Numbers
      • Table 8-7: Visa U.S. Credit Card Metrics, 2005-2009

Chapter 9: Consumer Credit Card Usage Trends

  • A Preface to Survey Analysis: Debit Users, Transactors, and Revolvers
  • Credit card use dips
    • Some 3.1 fewer million consumers using credit cards in 2010 versus 2007
    • MasterCard credit card use drops the most and American Express the least
    • Table 9-1: Credit Card Usage, by Credit Card Types, 2006-2010
  • Engaged cardholders are the prize
    • American Express cardholders report highest level of engagement
    • But cardholder engagement also drops over time
    • Table 9-2: Credit Card Use & Engagement Ratio, by Big Four Issuers, 2006-2010
  • Full-time employed provide the take of the tape
    • Among full-time employed, credit card use is stable
    • But engagement differentiates “Big “Four”
    • And engagement trends suggest credit card pullback
    • Table 9-3: Credit Card Use & Engagement Ratio, Employed Cardholders, by Big Four Issuers, 2006-2010
  • Swimming upstream: assessing higher-HH-income brackets
    • MasterCard engagement highest among $150K+ HH income consumers
    • Table 9-4: Credit Card Use & Engagement Ratio, $75K-$99K HH Income, by Big Four Issuers, 2006-2010
    • Discover card engagement falls ten percentage points during 2007-2010
    • Table 9-5: Credit Card Use & Engagement Ratio, $100K-$149K HH Income, by Big Four Issuers, 2006-2010
    • American Express holds court over engaged, affluent cardholders
    • Table 9-6: Credit Card Use & Engagement Ratio, $150K+ HH Income, by Big Four Issuers, 2006-2010
  • American Express Consumer Credit Card Use & Engagement
    • Account growth during 2007-2010
    • American Express Blue at 12.4 million mark
    • Table 9-7: Credit Card Use & Engagement, American Express Consumer Card Products, 2006-2010
  • Discover Consumer Credit Card Use & Engagement
    • Table 9-8: Credit Card Use & Engagement, Discover, 2006-2010
  • MasterCard Consumer Credit Card Use & Engagement
    • Table 9-9: Credit Card Use & Engagement, MasterCard Consumer Card Products, 2006-2010
  • Visa Consumer Credit Card Use & Engagement
    • Table 9-10: Credit Card Use & Engagement, Visa Consumer Card Products, 2006-2010
  • Co-Brand Usage Trends, Big Four
    • Table 9-11: Airline/Hotel & Organization Co-Branded Credit Cards, by Big Four Issuers, 2006-2010
    • Table 9-12: Airline/Hotel & Organization Co-Branded Credit Cards, $100K-$149K HH Income, by Big Four Issuers, 2006-2010
    • Table 9-13: Airline/Hotel & Organization Co-Branded Credit Cards, $150K+ HH Income, by Big Four Issuers, 2006-2010
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