{"id":916076,"date":"2025-12-04T04:04:29","date_gmt":"2025-12-04T09:04:29","guid":{"rendered":"https:\/\/www.marketnewsdesk.com\/index.php\/fico-uk-credit-card-market-report-september-2025\/"},"modified":"2025-12-04T04:04:29","modified_gmt":"2025-12-04T09:04:29","slug":"fico-uk-credit-card-market-report-september-2025","status":"publish","type":"post","link":"https:\/\/www.marketnewsdesk.com\/index.php\/fico-uk-credit-card-market-report-september-2025\/","title":{"rendered":"FICO UK Credit Card Market Report: September 2025"},"content":{"rendered":"<p>        <!--.bwalignc { text-align: center; list-style-position: inside }\n.bwblockalignl { margin-left: 0px; margin-right: auto }\n.bwcellpmargin { margin-bottom: 0px; margin-top: 0px }\n.bwleftsingle { border-left: solid black 1pt }\n.bwlistdisc { list-style-type: disc }\n.bwpadb3 { padding-bottom: 4px }\n.bwpadl0 { padding-left: 0px }\n.bwpadl1 { padding-left: 5px }\n.bwpadr0 { padding-right: 0px }\n.bwrightsingle { border-right: solid black 1pt }\n.bwrowaltcolor0 { background-color: #cceeff }\n.bwsinglebottom { border-bottom: solid black 1pt }\n.bwtablemarginb { margin-bottom: 10px }\n.bwtopsingle { border-top: solid black 1pt }\n.bwuline { text-decoration: underline }\n.bwvertalignb { vertical-align: bottom }\n.bwvertalignt { vertical-align: top }\n.bwwidth100 { width: 100% }\n.bwwidth18 { width: 18% }\n.bwwidth22 { width: 22% }\n.bwwidth38 { width: 38% }body {font:normal small Arial,Helvetica,sans-serif;color:#000;background-color:#fff;padding:24px;margin:0;} a img {border:0;} h3 {font-size:medium;color:#000;margin:0 0 1em 0; text-align:center;}-->  <\/p>\n<p class=\"bwalignc\"><b>FICO UK Credit Card Market Report: September 2025<\/b><\/p>\n<p class=\"bwalignc\"><i>New data following Autumn Budget shows continued pressure on household finances with spending lower and balances higher than 2024<\/i><\/p>\n<p>LONDON&#8211;(<a href=\"http:\/\/www.businesswire.com\">BUSINESS WIRE<\/a>)&#8211;<br \/>\nThe latest credit card data analysis from global analytics software leader <a rel=\"nofollow\" href=\"https:\/\/cts.businesswire.com\/ct\/CT?id=smartlink&amp;url=http%3A%2F%2Fwww.fico.com&amp;esheet=54367825&amp;newsitemid=20251204516286&amp;lan=en-US&amp;anchor=FICO&amp;index=1&amp;md5=0ce54923ccea3436d3fea93ee5e2d64f\">FICO<\/a>, for September 2025, underlines the financial balancing act households have faced this year. Following the Autumn Budget, there are clear signs that cardholders with accumulated debt (three missed payments) are falling into deeper delinquency. This is particularly pronounced for customers who have had their credit card for five years plus.\n<\/p>\n<p><b>Highlights<\/b><\/p>\n<ul class=\"bwlistdisc\">\n<li>\nThe most significant year-on-year decline in spending in many months was recorded for September at 3.8%\n<\/li>\n<li>\nAverage active balances were 4.5% higher than September 2024 at \u00a31,915\n<\/li>\n<li>\nThe percentage of total balance paid fell 6.5% year-on-year to 34.6%\n<\/li>\n<li>\nThe percentage of customers missing three payments saw a 3.7% increase month-on-month; this is also 1.7% higher than September 2024\n<\/li>\n<li>\nThe average balance of three missed payments is 4.7% higher year-on-year at \u00a33,300\n<\/li>\n<li>\nAccounts spending over their credit limit were 1.2% higher than August and 1.8% higher than September 2024\n<\/li>\n<li>\nWithdrawal of cash on credit cards continued its upward seasonal trend, increasing 1.2% on the previous month\n<\/li>\n<\/ul>\n<p><b><span class=\"bwuline\">FICO Comment:<\/span><\/b><\/p>\n<p>\nFollowing an increase in August spending, September saw a slight decline to an average of \u00a3805. However, at 3.8% lower than September 2024, this was the most significant year-on-year decline FICO has identified in recent months, potentially reflecting the subdued consumer confidence seen in other economic data in the last few months.\n<\/p>\n<p>\nAlso illustrating the pressure on household finances, average active balances were 4.5% higher than September 2024, continuing the steady upward trend seen since May 2025. Balances remain high in part because payments to balance have been falling, indicating that customers are still struggling to pay down balances. The 1% increase in payments to balance seen in September has done little to improve the picture, remaining 6.5% lower than a year ago.\n<\/p>\n<p>\nAnother indicator of customers struggling to manage their credit is missed payments. Balances on accounts with missed payments remain higher than 2024 despite month-on-month decreases in the number of customers missing one or two payments. Notably there has been an increase in customers missing three payments, rising by 3.7% on the previous month and 1.7% on 2024, suggesting some customers are falling into deeper delinquency.\n<\/p>\n<p>\nVeteran customers, who have had their credit card five years or more, have the highest delinquent balances for customers missing three payments. This group also has the highest average credit limit, although not unexpected as this group of customers have had their cards for longer and will probably have been offered limit increases. However, when comparing the ratio of their delinquent balance to the overall balance, the delinquent balance is twice as high.\n<\/p>\n<p>\nThis clearly indicates that there is a group of customers struggling to reduce their balance \u2013 and that may have been the case for some time. Risk teams should focus on this group of customers, tailoring the collections conversation accordingly as many of these customers may require more specialised support.\n<\/p>\n<p><b>Key Trend Indicators \u2013 UK Cards September 2025<\/b><\/p>\n<table cellspacing=\"0\" class=\"bwtablemarginb bwblockalignl bwwidth100\">\n<tr>\n<td class=\"bwvertalignt bwtopsingle bwsinglebottom bwleftsingle bwrightsingle bwrowaltcolor0 bwwidth38 bwpadl1\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin\"><b>Metric<\/b><\/p>\n<\/td>\n<td class=\"bwvertalignt bwtopsingle bwsinglebottom bwrightsingle bwrowaltcolor0 bwwidth18 bwpadl1\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignc bwcellpmargin\"><b>Amount<\/b><\/p>\n<\/td>\n<td class=\"bwvertalignt bwtopsingle bwsinglebottom bwrightsingle bwrowaltcolor0 bwwidth22 bwpadl1\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignc bwcellpmargin\"><b>Month-on-Month Change<\/b><\/p>\n<\/td>\n<td class=\"bwvertalignt bwtopsingle bwsinglebottom bwrightsingle bwrowaltcolor0 bwwidth22 bwpadl1\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignc bwcellpmargin\"><b>Year-on-Year Change<\/b><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"bwsinglebottom bwleftsingle bwrightsingle bwrowaltcolor0 bwwidth38 bwpadl1\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin\">\nAverage UK Credit Card Spend\n<\/p>\n<\/td>\n<td class=\"bwvertalignb bwsinglebottom bwrightsingle bwrowaltcolor0 bwpadr0 bwpadb3 bwalignc bwwidth18 bwpadl1\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignc\">\n\u00a3805\n<\/p>\n<\/td>\n<td class=\"bwvertalignb bwsinglebottom bwrightsingle bwrowaltcolor0 bwpadr0 bwpadb3 bwalignc bwwidth22 bwpadl1\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignc\">\n-1.1%\n<\/p>\n<\/td>\n<td class=\"bwvertalignb bwsinglebottom bwrightsingle bwrowaltcolor0 bwpadr0 bwpadb3 bwalignc bwwidth22 bwpadl1\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignc\">\n-3.8%\n<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"bwsinglebottom bwleftsingle bwrightsingle bwwidth38 bwpadl1\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin\">\nAverage Card Balance\n<\/p>\n<\/td>\n<td class=\"bwvertalignb bwsinglebottom bwrightsingle bwpadr0 bwpadb3 bwalignc bwwidth18 bwpadl1\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignc\">\n\u00a31,915\n<\/p>\n<\/td>\n<td class=\"bwvertalignb bwsinglebottom bwrightsingle bwwidth22 bwpadl1\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignc bwcellpmargin\">\n+0.1%\n<\/p>\n<\/td>\n<td class=\"bwvertalignb bwsinglebottom bwrightsingle bwwidth22 bwpadl1\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignc bwcellpmargin\">\n+4.5%\n<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"bwsinglebottom bwleftsingle bwrightsingle bwrowaltcolor0 bwwidth38 bwpadl1\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin\">\nPercentage of Payments to Balance\n<\/p>\n<\/td>\n<td class=\"bwvertalignb bwsinglebottom bwrightsingle bwrowaltcolor0 bwpadr0 bwpadb3 bwalignc bwwidth18 bwpadl1\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignc\">\n34.64%\n<\/p>\n<\/td>\n<td class=\"bwvertalignb bwsinglebottom bwrightsingle bwrowaltcolor0 bwwidth22 bwpadl1\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignc bwcellpmargin\">\n+1%\n<\/p>\n<\/td>\n<td class=\"bwvertalignb bwsinglebottom bwrightsingle bwrowaltcolor0 bwpadr0 bwpadb3 bwalignc bwwidth22 bwpadl1\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignc\">\n-6.5%\n<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"bwsinglebottom bwleftsingle bwrightsingle bwwidth38 bwpadl1\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin\">\nAccounts with One Missed Payment\n<\/p>\n<\/td>\n<td class=\"bwvertalignb bwsinglebottom bwrightsingle bwpadr0 bwpadb3 bwalignc bwwidth18 bwpadl1\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignc\">\n1.32%\n<\/p>\n<\/td>\n<td class=\"bwvertalignb bwsinglebottom bwrightsingle bwpadr0 bwpadb3 bwalignc bwwidth22 bwpadl1\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignc\">\n-2%\n<\/p>\n<\/td>\n<td class=\"bwvertalignb bwsinglebottom bwrightsingle bwpadr0 bwpadb3 bwalignc bwwidth22 bwpadl1\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignc\">\n-6.5%\n<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"bwsinglebottom bwleftsingle bwrightsingle bwrowaltcolor0 bwwidth38 bwpadl1\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin\">\nAccounts with Two Missed Payments\n<\/p>\n<\/td>\n<td class=\"bwvertalignb bwsinglebottom bwrightsingle bwrowaltcolor0 bwpadr0 bwpadb3 bwalignc bwwidth18 bwpadl1\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignc\">\n0.31%\n<\/p>\n<\/td>\n<td class=\"bwvertalignb bwsinglebottom bwrightsingle bwrowaltcolor0 bwpadr0 bwpadb3 bwalignc bwwidth22 bwpadl1\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignc\">\n-3.2%\n<\/p>\n<\/td>\n<td class=\"bwvertalignb bwsinglebottom bwrightsingle bwrowaltcolor0 bwpadr0 bwpadb3 bwalignc bwwidth22 bwpadl1\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignc\">\n-1.6%\n<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"bwsinglebottom bwleftsingle bwrightsingle bwwidth38 bwpadl1\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin\">\nAccounts with Three Missed Payments\n<\/p>\n<\/td>\n<td class=\"bwsinglebottom bwrightsingle bwpadr0 bwvertalignb bwpadb3 bwalignc bwwidth18 bwpadl1\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignc\">\n0.21%\n<\/p>\n<\/td>\n<td class=\"bwsinglebottom bwrightsingle bwwidth22 bwpadl1\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignc bwcellpmargin\">\n+3.7%\n<\/p>\n<\/td>\n<td class=\"bwsinglebottom bwrightsingle bwwidth22 bwpadl1\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignc bwcellpmargin\">\n+1.7%\n<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"bwsinglebottom bwleftsingle bwrightsingle bwrowaltcolor0 bwwidth38 bwpadl1\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin\">\nAverage Credit Limit\n<\/p>\n<\/td>\n<td class=\"bwvertalignb bwsinglebottom bwrightsingle bwrowaltcolor0 bwpadr0 bwpadb3 bwalignc bwwidth18 bwpadl1\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignc\">\n\u00a35,900\n<\/p>\n<\/td>\n<td class=\"bwvertalignb bwsinglebottom bwrightsingle bwrowaltcolor0 bwwidth22 bwpadl1\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignc bwcellpmargin\">\n+0.3%\n<\/p>\n<\/td>\n<td class=\"bwvertalignb bwsinglebottom bwrightsingle bwrowaltcolor0 bwwidth22 bwpadl1\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignc bwcellpmargin\">\n+2.5%\n<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"bwsinglebottom bwleftsingle bwrightsingle bwwidth38 bwpadl1\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin\">\nAverage Overlimit Spend\n<\/p>\n<\/td>\n<td class=\"bwvertalignb bwsinglebottom bwrightsingle bwpadr0 bwpadb3 bwalignc bwwidth18 bwpadl1\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignc\">\n\u00a390\n<\/p>\n<\/td>\n<td class=\"bwvertalignb bwsinglebottom bwrightsingle bwwidth22 bwpadl1\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignc bwcellpmargin\">\n+1.1%\n<\/p>\n<\/td>\n<td class=\"bwvertalignb bwsinglebottom bwrightsingle bwwidth22 bwpadl1\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignc bwcellpmargin\">\n+3.4%\n<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"bwsinglebottom bwleftsingle bwrightsingle bwrowaltcolor0 bwwidth38 bwpadl1\" style=\"height:17px\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin\">\nCash Sales as a % of Total Sales\n<\/p>\n<\/td>\n<td class=\"bwvertalignb bwsinglebottom bwrightsingle bwrowaltcolor0 bwpadr0 bwpadb3 bwalignc bwwidth18 bwpadl1\" style=\"height:17px\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignc\">\n0.91%\n<\/p>\n<\/td>\n<td class=\"bwvertalignb bwsinglebottom bwrightsingle bwrowaltcolor0 bwwidth22 bwpadl1\" style=\"height:17px\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignc bwcellpmargin\">\n+1.2%\n<\/p>\n<\/td>\n<td class=\"bwvertalignb bwsinglebottom bwrightsingle bwrowaltcolor0 bwwidth22 bwpadl1\" style=\"height:17px\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignc bwcellpmargin\">\n+0.5%\n<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td colspan=\"4\" class=\"bwpadl0\" rowspan=\"1\">\n<p class=\"bwcellpmargin\"><b>Source: FICO<\/b><\/p>\n<\/td>\n<\/tr>\n<\/table>\n<p>\nThese card performance figures are part of the data shared with subscribers of the FICO\u00ae Benchmark Reporting Service. The data sample comes from client reports generated by the <a rel=\"nofollow\" href=\"https:\/\/cts.businesswire.com\/ct\/CT?id=smartlink&amp;url=https%3A%2F%2Fwww.fico.com%2Fen%2Fproducts%2Ffico-triad-customer-manager&amp;esheet=54367825&amp;newsitemid=20251204516286&amp;lan=en-US&amp;anchor=FICO%26%23174%3B+TRIAD%26%23174%3B+Customer+Manager&amp;index=2&amp;md5=949dcb784cf4d2d441661d26736290fb\"><b>FICO<sup>\u00ae<\/sup> TRIAD<sup>\u00ae<\/sup> Customer Manager<\/b><\/a> solution in use by some 80% of UK card issuers. For more information on these trends, contact FICO.\n<\/p>\n<p><b>About FICO<\/b><\/p>\n<p>\nFICO (NYSE: FICO) powers decisions that help people and businesses around the world prosper. Founded in 1956, the company is a pioneer in the use of predictive analytics and data science to improve operational decisions. FICO holds more than 200 US and foreign patents on technologies that increase profitability, customer satisfaction and growth for businesses in financial services, insurance, telecommunications, health care, retail and many other industries. Using FICO solutions, businesses in more than 80 countries do everything from protecting 4 billion payment cards from fraud, to improving financial inclusion, to increasing supply chain resiliency. The FICO\u00ae Score, used by 90% of top US lenders, is the standard measure of consumer credit risk in the US and has been made available in over 40 other countries, improving risk management, credit access and transparency. Learn more at <a rel=\"nofollow\" href=\"https:\/\/cts.businesswire.com\/ct\/CT?id=smartlink&amp;url=http%3A%2F%2Fwww.fico.com%2F&amp;esheet=54367825&amp;newsitemid=20251204516286&amp;lan=en-US&amp;anchor=www.fico.com&amp;index=3&amp;md5=32500cdef85189bf6dccf4259d4158cf\">www.fico.com<\/a>.\n<\/p>\n<p>\nFICO and TRIAD are registered trademarks of Fair Isaac Corporation in the United States and other countries.\n<\/p>\n<p><img decoding=\"async\" alt=\"\" src=\"https:\/\/cts.businesswire.com\/ct\/CT?id=bwnews&amp;sty=20251204516286r1&amp;sid=flmnd&amp;distro=nx&amp;lang=en\" style=\"width:0;height:0\" \/><span class=\"bwct31415\" \/><\/p>\n<p id=\"mmgallerylink\"><span id=\"mmgallerylink-phrase\">View source version on businesswire.com: <\/span><span id=\"mmgallerylink-link\"><a href=\"https:\/\/www.businesswire.com\/news\/home\/20251204516286\/en\/\" rel=\"nofollow\">https:\/\/www.businesswire.com\/news\/home\/20251204516286\/en\/<\/a><\/span><\/p>\n<p><b><i>For further press information please contact:<br \/>\n<br \/><\/i>FICO UK PR Team<br \/>\n<\/b><br \/>Wendy Harrison\/Matthew Enderby<br \/>\n<br \/><a rel=\"nofollow\" href=\"mailto:ficoteam@harrisonsadler.com\">ficoteam@harrisonsadler.com<br \/>\n<\/a><br \/>0208 977 9132\n<\/p>\n<p><b>KEYWORDS:<\/b> Montana North America United States Ireland United Kingdom Europe<\/p>\n<p><b>INDUSTRY KEYWORDS:<\/b> Professional Services Data Analytics Technology Software Finance Fintech Banking<\/p>\n<p><b>MEDIA:<\/b><\/p>\n<table cellpadding=\"3\" cellspacing=\"3\">\n<tr>\n<td><font face=\"Arial\" size=\"2\"><b>Logo<\/b><\/font><\/td>\n<\/tr>\n<tr>\n<td><img decoding=\"async\" src=\"https:\/\/mms.businesswire.com\/media\/20251204516286\/en\/2329913\/3\/fico-logo-coreblue-large.jpg\" alt=\"Logo\" \/><\/td>\n<\/tr>\n<tr>\n<td><font face=\"Arial\" size=\"2\"><\/font><\/td>\n<\/tr>\n<\/table>\n","protected":false},"excerpt":{"rendered":"<p>FICO UK Credit Card Market Report: September 2025 New data following Autumn Budget shows continued pressure on household finances with spending lower and balances higher than 2024 LONDON&#8211;(BUSINESS WIRE)&#8211; The latest credit card data analysis from global analytics software leader FICO, for September 2025, underlines the financial balancing act households have faced this year. Following the Autumn Budget, there are clear signs that cardholders with accumulated debt (three missed payments) are falling into deeper delinquency. This is particularly pronounced for customers who have had their credit card for five years plus. Highlights The most significant year-on-year decline in spending in many months was recorded for September at 3.8% Average active balances were 4.5% higher than September 2024 at \u00a31,915 The &hellip; <\/p>\n<p class=\"link-more\"><a href=\"https:\/\/www.marketnewsdesk.com\/index.php\/fico-uk-credit-card-market-report-september-2025\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;FICO UK Credit Card Market Report: September 2025&#8221;<\/span><\/a><\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[],"tags":[],"class_list":["post-916076","post","type-post","status-publish","format-standard","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>FICO UK Credit Card Market Report: September 2025 - Market Newsdesk<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.marketnewsdesk.com\/index.php\/fico-uk-credit-card-market-report-september-2025\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"FICO UK Credit Card Market Report: September 2025 - Market Newsdesk\" \/>\n<meta property=\"og:description\" content=\"FICO UK Credit Card Market Report: September 2025 New data following Autumn Budget shows continued pressure on household finances with spending lower and balances higher than 2024 LONDON&#8211;(BUSINESS WIRE)&#8211; The latest credit card data analysis from global analytics software leader FICO, for September 2025, underlines the financial balancing act households have faced this year. Following the Autumn Budget, there are clear signs that cardholders with accumulated debt (three missed payments) are falling into deeper delinquency. This is particularly pronounced for customers who have had their credit card for five years plus. Highlights The most significant year-on-year decline in spending in many months was recorded for September at 3.8% Average active balances were 4.5% higher than September 2024 at \u00a31,915 The &hellip; Continue reading &quot;FICO UK Credit Card Market Report: September 2025&quot;\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.marketnewsdesk.com\/index.php\/fico-uk-credit-card-market-report-september-2025\/\" \/>\n<meta property=\"og:site_name\" content=\"Market Newsdesk\" \/>\n<meta property=\"article:published_time\" content=\"2025-12-04T09:04:29+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/cts.businesswire.com\/ct\/CT?id=bwnews&amp;sty=20251204516286r1&amp;sid=flmnd&amp;distro=nx&amp;lang=en\" \/>\n<meta name=\"author\" content=\"Newsdesk\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Newsdesk\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/fico-uk-credit-card-market-report-september-2025\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/fico-uk-credit-card-market-report-september-2025\\\/\"},\"author\":{\"name\":\"Newsdesk\",\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/#\\\/schema\\\/person\\\/482f27a394d4fda80ecb5499e519d979\"},\"headline\":\"FICO UK Credit Card Market Report: September 2025\",\"datePublished\":\"2025-12-04T09:04:29+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/fico-uk-credit-card-market-report-september-2025\\\/\"},\"wordCount\":804,\"image\":{\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/fico-uk-credit-card-market-report-september-2025\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/cts.businesswire.com\\\/ct\\\/CT?id=bwnews&amp;sty=20251204516286r1&amp;sid=flmnd&amp;distro=nx&amp;lang=en\",\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/fico-uk-credit-card-market-report-september-2025\\\/\",\"url\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/fico-uk-credit-card-market-report-september-2025\\\/\",\"name\":\"FICO UK Credit Card Market Report: September 2025 - 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Market Newsdesk","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.marketnewsdesk.com\/index.php\/fico-uk-credit-card-market-report-september-2025\/","og_locale":"en_US","og_type":"article","og_title":"FICO UK Credit Card Market Report: September 2025 - Market Newsdesk","og_description":"FICO UK Credit Card Market Report: September 2025 New data following Autumn Budget shows continued pressure on household finances with spending lower and balances higher than 2024 LONDON&#8211;(BUSINESS WIRE)&#8211; The latest credit card data analysis from global analytics software leader FICO, for September 2025, underlines the financial balancing act households have faced this year. Following the Autumn Budget, there are clear signs that cardholders with accumulated debt (three missed payments) are falling into deeper delinquency. This is particularly pronounced for customers who have had their credit card for five years plus. Highlights The most significant year-on-year decline in spending in many months was recorded for September at 3.8% Average active balances were 4.5% higher than September 2024 at \u00a31,915 The &hellip; Continue reading \"FICO UK Credit Card Market Report: September 2025\"","og_url":"https:\/\/www.marketnewsdesk.com\/index.php\/fico-uk-credit-card-market-report-september-2025\/","og_site_name":"Market Newsdesk","article_published_time":"2025-12-04T09:04:29+00:00","og_image":[{"url":"https:\/\/cts.businesswire.com\/ct\/CT?id=bwnews&amp;sty=20251204516286r1&amp;sid=flmnd&amp;distro=nx&amp;lang=en","type":"","width":"","height":""}],"author":"Newsdesk","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Newsdesk","Est. reading time":"4 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.marketnewsdesk.com\/index.php\/fico-uk-credit-card-market-report-september-2025\/#article","isPartOf":{"@id":"https:\/\/www.marketnewsdesk.com\/index.php\/fico-uk-credit-card-market-report-september-2025\/"},"author":{"name":"Newsdesk","@id":"https:\/\/www.marketnewsdesk.com\/#\/schema\/person\/482f27a394d4fda80ecb5499e519d979"},"headline":"FICO UK Credit Card Market Report: September 2025","datePublished":"2025-12-04T09:04:29+00:00","mainEntityOfPage":{"@id":"https:\/\/www.marketnewsdesk.com\/index.php\/fico-uk-credit-card-market-report-september-2025\/"},"wordCount":804,"image":{"@id":"https:\/\/www.marketnewsdesk.com\/index.php\/fico-uk-credit-card-market-report-september-2025\/#primaryimage"},"thumbnailUrl":"https:\/\/cts.businesswire.com\/ct\/CT?id=bwnews&amp;sty=20251204516286r1&amp;sid=flmnd&amp;distro=nx&amp;lang=en","inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/www.marketnewsdesk.com\/index.php\/fico-uk-credit-card-market-report-september-2025\/","url":"https:\/\/www.marketnewsdesk.com\/index.php\/fico-uk-credit-card-market-report-september-2025\/","name":"FICO UK Credit Card Market Report: September 2025 - 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