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User Experience Reigns in Credit Card Decisions
User Experience Reigns in Credit Card Decisions
January 03, 2022  |  Credit Cards

A super-low interest rate might seem like the most tantalizing perk to dangle in front of would-be credit card holders, but research shows there are...

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FIs Rethink Credit Card Program Design as Consumers Rethink How They Use Them
FIs Rethink Credit Card Program Design as Consumers Rethink How They Use Them
December 28, 2021  |  Credit Cards

The pandemic fundamentally changed how consumers use credit cards and the long-term profits financial institutions generate from those cardholders. Consumers allocated some of their stimulus...

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Consumers Consider as Many as Six Factors When Choosing Credit Card 
Consumers Consider as Many as Six Factors When Choosing Credit Card 
December 15, 2021  |  Credit Cards

Credit card issuers are seeking to appeal to today’s discerning consumers in a competitive market. To gain top-of-wallet status, they must excel in providing the...

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65% of Americans Have Made a Purchase with a Credit Card in the Last 12 Months 
65% of Americans Have Made a Purchase with a Credit Card in the Last 12 Months 
December 09, 2021  |  Credit Cards

Credit cards are the gold standard for payments in America. Sixty-five percent of the U.S. population — 168 million adults — have made a purchase...

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It Takes More Than Convenience to Woo Credit Card Users
It Takes More Than Convenience to Woo Credit Card Users
December 02, 2021  |  Credit Cards

Consumers want more than just a great interest rate when they choose a credit card issuer, PYMNTS research has revealed. Three out of four consumers...

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Most Consumers Overestimate Credit Scores But Still Want To Boost Them
Most Consumers Overestimate Credit Scores But Still Want To Boost Them
August 25, 2021  |  Consumer Finance

There can be a wide gap between perception and reality – in all facets of life, but especially when it comes to credit scores. After...

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New Report: 62 Pct Of Consumers See Card Choice As Way Of Improving Credit Scores
New Report: 62 Pct Of Consumers See Card Choice As Way Of Improving Credit Scores
July 26, 2021  |  Credit Cards

Credit scores took a reputational hit in the past year-plus as finances were warped by a mixture of unemployment, stimulus money, lockdown living and plain...

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Data Brief: 70 Pct Of Consumers Think Their Credit Scores Are Higher Than They Actually Are
Data Brief: 70 Pct Of Consumers Think Their Credit Scores Are Higher Than They Actually...
July 23, 2021  |  Consumer Finance

The July 2021 Credit Score Literacy and Building Credit Report, a collaboration between PYMNTS and Elan (a division of U.S. Bank), surveyed a census-balanced sample...

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NEW DATA: One-Third Of Consumers Think Their Credit Is Better Than It Is
NEW DATA: One-Third Of Consumers Think Their Credit Is Better Than It Is
July 16, 2021  |  Credit Cards

In spite of alternative credit score initiatives by J.P. Morgan Chase, Wells Fargo and U.S. Bank, the traditional credit score system is not going away...

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