{"id":984786,"date":"2026-07-27T04:03:02","date_gmt":"2026-07-27T08:03:02","guid":{"rendered":"https:\/\/www.marketnewsdesk.com\/index.php\/fico-uk-credit-card-market-report-may-2026\/"},"modified":"2026-07-27T04:03:02","modified_gmt":"2026-07-27T08:03:02","slug":"fico-uk-credit-card-market-report-may-2026","status":"publish","type":"post","link":"https:\/\/www.marketnewsdesk.com\/index.php\/fico-uk-credit-card-market-report-may-2026\/","title":{"rendered":"FICO UK Credit Card Market Report: May 2026"},"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.bwpadl2 { padding-left: 10px }\n.bwpadr0 { padding-right: 0px }\n.bwrightsingle { border-right: solid black 1pt }\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.bwwidth100 { width: 100% }\n.bwwidth20 { width: 20% }\n.bwwidth40 { width: 40% }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: May 2026<\/b><\/p>\n<p class=\"bwalignc\"><i>Post-Easter spending and repayments follow seasonal patterns, but delinquency data suggests most vulnerable customers are falling into further financial difficulty\u00a0<\/i><\/p>\n<p>LONDON&#8211;(<a href=\"http:\/\/www.businesswire.com\">BUSINESS WIRE<\/a>)&#8211;<br \/>\nThe latest<b \/>credit card data analysis by global analytics software leader <a rel=\"nofollow\" href=\"https:\/\/cts.businesswire.com\/ct\/CT?id=smartlink&amp;url=https%3A%2F%2Fwww.fico.com%2Fen&amp;esheet=54576015&amp;newsitemid=20260727156033&amp;lan=en-US&amp;anchor=FICO&amp;index=1&amp;md5=f1f16e24a301d210d926f25321adebe1\">FICO<\/a> (NYSE: FICO) highlights a typical decline in spending and increase in payment rates following the Easter period. However, year-on-year analysis shows delinquency rates for accounts with three missed payments have increased 17.1%. With seasonal spending expected to increase over the summer months, in part due to rising fuel prices, FICO urges heightened monitoring of late payments and pre-delinquency intervention strategies by lenders.<\/p>\n<p><b>Highlights<\/b><\/p>\n<ul class=\"bwlistdisc\">\n<li>\nAverage spending decreased by 3.0% month-on-month to \u00a3790 and remained virtually flat year-on-year<\/p>\n<\/li>\n<li>\nAverage active balances decreased 0.3% month-on-month to \u00a31,945, but remain 4.3% higher year-on-year<\/p>\n<\/li>\n<li>\nThe percentage of overall balance paid increased by 4.7% over the previous month, but at 34.1% it remained 4.1% lower than in 2025<\/p>\n<\/li>\n<li>\nThe number and balances of accounts with one, two and three missed payments remain higher than May 2025<\/p>\n<\/li>\n<li>\nAfter the sharp increase seen in April, overlimit accounts decreased by 5.7% in May 2026, to 1.3%, although this remains 1.6% higher than May 2025<\/p>\n<\/li>\n<\/ul>\n<p><b><span class=\"bwuline\">FICO Comment:<\/span><\/b><\/p>\n<p>\nFollowing typical post-Easter seasonal patterns and mirroring the decline seen in May 2025, average spend decreased by 3.0% between April and May 2026, to \u00a3790. Year-on-year spending remained virtually flat, representing a continued improvement from the persistent declines seen through most of 2025 and suggesting some stabilisation in consumer spending behaviour.<\/p>\n<p>\nThe average active balance decreased marginally in May, offering a modest reprieve from April&#8217;s return to record highs. However, balances remained 4.3% higher on the previous year, maintaining the structural elevation that has characterised the market throughout 2025 and into 2026.<\/p>\n<p>\nLooking at missed payments data, May saw a mixed picture across delinquency categories, with a notable improvement in accounts with two missed payments. However, this was offset by continued deterioration for accounts with one and three missed payments. All three delinquency categories remain higher year-on-year, continuing the concerning trend that emerged from the second half of 2025, especially for accounts missing two and three payments.<\/p>\n<p>\nWhile average delinquent balances have increased across all three categories, FICO analysis suggests balances for late payments are staying relatively flat when compared with the increases in overall balances. Accounts with one missed payment have seen a marginal 0.5% increase year-on-year; accounts with two missed payments are broadly flat and accounts with three missed payments have actually seen a 3.1% drop, compared to average balance. This suggests the most severely delinquent customers are carrying proportionally lower balances relative to the overall portfolio than at this time last year.<\/p>\n<p>\nHowever, with the significant year-on-year increase in accounts with three missed payments, and the likelihood of increased spending over the summer months, risk teams should maintain heightened monitoring of delinquency progression and ensure that pre-delinquency intervention strategies are designed to address the higher balance levels now characteristic of customers in financial difficulty.<\/p>\n<p><b>Key Trend Indicators \u2013 UK Cards May 2026<\/b><\/p>\n<table cellspacing=\"0\" class=\"bwtablemarginb bwblockalignl bwwidth100\">\n<tr>\n<td class=\"bwtopsingle bwleftsingle bwrightsingle bwsinglebottom bwwidth40 bwpadl2\" style=\"height:18px\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin\"><b>Metric<\/b><\/p>\n<\/td>\n<td class=\"bwpadl0 bwtopsingle bwrightsingle bwsinglebottom bwalignc bwwidth20\" style=\"height:18px\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignc bwcellpmargin\"><b>Amount<\/b><\/p>\n<\/td>\n<td class=\"bwpadl0 bwtopsingle bwrightsingle bwsinglebottom bwalignc bwwidth20\" style=\"height:18px\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignc bwcellpmargin\"><b>Month-on-Month Change<\/b><\/p>\n<\/td>\n<td class=\"bwpadl0 bwtopsingle bwrightsingle bwsinglebottom bwalignc bwwidth20\" style=\"height:18px\" 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=\"bwleftsingle bwrightsingle bwsinglebottom bwwidth40 bwpadl2\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin\">\nAverage UK Credit Card Spend<\/p>\n<\/td>\n<td class=\"bwpadl0 bwpadr0 bwvertalignb bwpadb3 bwrightsingle bwsinglebottom bwwidth20 bwalignc\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignc\">\n\u00a3790<\/p>\n<\/td>\n<td class=\"bwpadl0 bwpadr0 bwvertalignb bwpadb3 bwrightsingle bwsinglebottom bwwidth20 bwalignc\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignc\">\n-3.0%<\/p>\n<\/td>\n<td class=\"bwpadl0 bwpadr0 bwvertalignb bwpadb3 bwrightsingle bwsinglebottom bwwidth20 bwalignc\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignc\">\n-0.1%<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"bwleftsingle bwrightsingle bwsinglebottom bwwidth40 bwpadl2\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin\">\nAverage Card Balance<\/p>\n<\/td>\n<td class=\"bwpadl0 bwpadr0 bwvertalignb bwpadb3 bwrightsingle bwsinglebottom bwwidth20 bwalignc\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignc\">\n\u00a31,945<\/p>\n<\/td>\n<td class=\"bwpadl0 bwpadr0 bwvertalignb bwpadb3 bwrightsingle bwsinglebottom bwwidth20 bwalignc\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignc\">\n-0.3%<\/p>\n<\/td>\n<td class=\"bwpadl0 bwrightsingle bwsinglebottom bwwidth20 bwalignc\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignc bwcellpmargin\">\n+4.3%<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"bwleftsingle bwrightsingle bwsinglebottom bwwidth40 bwpadl2\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin\">\nPercentage of Payments to Balance<\/p>\n<\/td>\n<td class=\"bwpadl0 bwpadr0 bwvertalignb bwpadb3 bwrightsingle bwsinglebottom bwwidth20 bwalignc\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignc\">\n34.1%<\/p>\n<\/td>\n<td class=\"bwpadl0 bwrightsingle bwsinglebottom bwwidth20 bwalignc\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignc bwcellpmargin\">\n+4.7%<\/p>\n<\/td>\n<td class=\"bwpadl0 bwpadr0 bwvertalignb bwpadb3 bwrightsingle bwsinglebottom bwwidth20 bwalignc\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignc\">\n-4.1%<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"bwleftsingle bwrightsingle bwsinglebottom bwwidth40 bwpadl2\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin\">\nAccounts with One Missed Payment<\/p>\n<\/td>\n<td class=\"bwpadl0 bwpadr0 bwvertalignb bwpadb3 bwrightsingle bwsinglebottom bwwidth20 bwalignc\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignc\">\n1.5%<\/p>\n<\/td>\n<td class=\"bwpadl0 bwrightsingle bwsinglebottom bwwidth20 bwalignc\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignc bwcellpmargin\">\n+8.9%<\/p>\n<\/td>\n<td class=\"bwpadl0 bwrightsingle bwsinglebottom bwwidth20 bwalignc\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignc bwcellpmargin\">\n+3.4%<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"bwleftsingle bwrightsingle bwsinglebottom bwwidth40 bwpadl2\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin\">\nAccounts with Two Missed Payments<\/p>\n<\/td>\n<td class=\"bwpadl0 bwpadr0 bwvertalignb bwpadb3 bwrightsingle bwsinglebottom bwwidth20 bwalignc\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignc\">\n0.3%<\/p>\n<\/td>\n<td class=\"bwpadl0 bwpadr0 bwvertalignb bwpadb3 bwrightsingle bwsinglebottom bwwidth20 bwalignc\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignc\">\n-14.9%<\/p>\n<\/td>\n<td class=\"bwpadl0 bwrightsingle bwsinglebottom bwwidth20 bwalignc\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignc bwcellpmargin\">\n+9.4%<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"bwleftsingle bwrightsingle bwsinglebottom bwwidth40 bwpadl2\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin\">\nAccounts with Three Missed Payments<\/p>\n<\/td>\n<td class=\"bwpadl0 bwpadr0 bwvertalignb bwpadb3 bwrightsingle bwsinglebottom bwwidth20 bwalignc\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignc\">\n0.3%<\/p>\n<\/td>\n<td class=\"bwpadl0 bwrightsingle bwsinglebottom bwwidth20 bwalignc\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignc bwcellpmargin\">\n+3.7%<\/p>\n<\/td>\n<td class=\"bwpadl0 bwrightsingle bwsinglebottom bwwidth20 bwalignc\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignc bwcellpmargin\">\n+17.1%<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"bwleftsingle bwrightsingle bwsinglebottom bwwidth40 bwpadl2\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin\">\nAverage Credit Limit<\/p>\n<\/td>\n<td class=\"bwpadl0 bwpadr0 bwvertalignb bwpadb3 bwrightsingle bwsinglebottom bwwidth20 bwalignc\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignc\">\n\u00a35,975<\/p>\n<\/td>\n<td class=\"bwpadl0 bwrightsingle bwsinglebottom bwwidth20 bwalignc\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignc bwcellpmargin\">\n+0.2%<\/p>\n<\/td>\n<td class=\"bwpadl0 bwrightsingle bwsinglebottom bwwidth20 bwalignc\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignc bwcellpmargin\">\n+2.1%<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"bwleftsingle bwrightsingle bwsinglebottom bwwidth40 bwpadl2\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin\">\nAverage Overlimit Spend<\/p>\n<\/td>\n<td class=\"bwpadl0 bwpadr0 bwvertalignb bwpadb3 bwrightsingle bwsinglebottom bwwidth20 bwalignc\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignc\">\n\u00a3100<\/p>\n<\/td>\n<td class=\"bwpadl0 bwrightsingle bwsinglebottom bwwidth20 bwalignc\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignc bwcellpmargin\">\n+2.1%<\/p>\n<\/td>\n<td class=\"bwpadl0 bwrightsingle bwsinglebottom bwwidth20 bwalignc\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignc bwcellpmargin\">\n+4.3%<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"bwleftsingle bwsinglebottom bwrightsingle bwwidth40 bwpadl2\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin\">\nCash Sales as a % of Total Sales<\/p>\n<\/td>\n<td class=\"bwpadl0 bwpadr0 bwvertalignb bwpadb3 bwsinglebottom bwrightsingle bwwidth20 bwalignc\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignc\">\n0.8%<\/p>\n<\/td>\n<td class=\"bwpadl0 bwpadr0 bwvertalignb bwpadb3 bwsinglebottom bwrightsingle bwwidth20 bwalignc\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignc\">\n0.9%<\/p>\n<\/td>\n<td class=\"bwpadl0 bwpadr0 bwvertalignb bwpadb3 bwrightsingle bwsinglebottom bwwidth20 bwalignc\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignc\">\n-2.2%<\/p>\n<\/td>\n<\/tr>\n<\/table>\n<p><b>Source: FICO<\/b><\/p>\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=54576015&amp;newsitemid=20260727156033&amp;lan=en-US&amp;anchor=FICO%26%23174%3B+TRIAD%26%23174%3B+Customer+Manager&amp;index=2&amp;md5=1ecb591be777598e60a617860b531770\"><b>FICO<\/b><sup><b>\u00ae<\/b><\/sup><b> TRIAD<\/b><sup><b>\u00ae<\/b><\/sup><b> Customer Manager<\/b><\/a> solution in use by some 80% of UK card issuers. For more information on these trends, contact FICO.<\/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<sup>\u00ae<\/sup> 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=54576015&amp;newsitemid=20260727156033&amp;lan=en-US&amp;anchor=www.fico.com&amp;index=3&amp;md5=cb6d2f13ed230f4ad9ba73eb8578688c\">www.fico.com<\/a>.<\/p>\n<p>\nFICO and TRIAD are registered trademarks of Fair Isaac Corporation in the United States and other countries.<\/p>\n<p><img decoding=\"async\" alt=\"\" src=\"https:\/\/cts.businesswire.com\/ct\/CT?id=bwnews&amp;sty=20260727156033r1&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\/20260727156033\/en\/\" rel=\"nofollow\">https:\/\/www.businesswire.com\/news\/home\/20260727156033\/en\/<\/a><\/span><\/p>\n<p><i><b>For further press information please contact:<br \/>\n<\/b><\/i><br \/><b>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<\/p>\n<p><b>KEYWORDS:<\/b> Europe Ireland United Kingdom<\/p>\n<p><b>INDUSTRY KEYWORDS:<\/b> Software Personal Finance Data Analytics Payments Finance Professional Services Technology Fintech<\/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\/20260727156033\/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: May 2026 Post-Easter spending and repayments follow seasonal patterns, but delinquency data suggests most vulnerable customers are falling into further financial difficulty\u00a0 LONDON&#8211;(BUSINESS WIRE)&#8211; The latestcredit card data analysis by global analytics software leader FICO (NYSE: FICO) highlights a typical decline in spending and increase in payment rates following the Easter period. However, year-on-year analysis shows delinquency rates for accounts with three missed payments have increased 17.1%. With seasonal spending expected to increase over the summer months, in part due to rising fuel prices, FICO urges heightened monitoring of late payments and pre-delinquency intervention strategies by lenders. Highlights Average spending decreased by 3.0% month-on-month to \u00a3790 and remained virtually flat year-on-year Average active balances &hellip; <\/p>\n<p class=\"link-more\"><a href=\"https:\/\/www.marketnewsdesk.com\/index.php\/fico-uk-credit-card-market-report-may-2026\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;FICO UK Credit Card Market Report: May 2026&#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-984786","post","type-post","status-publish","format-standard","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>FICO UK Credit Card Market Report: May 2026 - 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-may-2026\/\" \/>\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: May 2026 - Market Newsdesk\" \/>\n<meta property=\"og:description\" content=\"FICO UK Credit Card Market Report: May 2026 Post-Easter spending and repayments follow seasonal patterns, but delinquency data suggests most vulnerable customers are falling into further financial difficulty\u00a0 LONDON&#8211;(BUSINESS WIRE)&#8211; The latestcredit card data analysis by global analytics software leader FICO (NYSE: FICO) highlights a typical decline in spending and increase in payment rates following the Easter period. However, year-on-year analysis shows delinquency rates for accounts with three missed payments have increased 17.1%. With seasonal spending expected to increase over the summer months, in part due to rising fuel prices, FICO urges heightened monitoring of late payments and pre-delinquency intervention strategies by lenders. Highlights Average spending decreased by 3.0% month-on-month to \u00a3790 and remained virtually flat year-on-year Average active balances &hellip; Continue reading &quot;FICO UK Credit Card Market Report: May 2026&quot;\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.marketnewsdesk.com\/index.php\/fico-uk-credit-card-market-report-may-2026\/\" \/>\n<meta property=\"og:site_name\" content=\"Market Newsdesk\" \/>\n<meta property=\"article:published_time\" content=\"2026-07-27T08:03:02+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/cts.businesswire.com\/ct\/CT?id=bwnews&amp;sty=20260727156033r1&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-may-2026\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/fico-uk-credit-card-market-report-may-2026\\\/\"},\"author\":{\"name\":\"Newsdesk\",\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/#\\\/schema\\\/person\\\/482f27a394d4fda80ecb5499e519d979\"},\"headline\":\"FICO UK Credit Card Market Report: May 2026\",\"datePublished\":\"2026-07-27T08:03:02+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/fico-uk-credit-card-market-report-may-2026\\\/\"},\"wordCount\":788,\"image\":{\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/fico-uk-credit-card-market-report-may-2026\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/cts.businesswire.com\\\/ct\\\/CT?id=bwnews&amp;sty=20260727156033r1&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-may-2026\\\/\",\"url\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/fico-uk-credit-card-market-report-may-2026\\\/\",\"name\":\"FICO UK Credit Card Market Report: May 2026 - 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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-may-2026\/","og_locale":"en_US","og_type":"article","og_title":"FICO UK Credit Card Market Report: May 2026 - Market Newsdesk","og_description":"FICO UK Credit Card Market Report: May 2026 Post-Easter spending and repayments follow seasonal patterns, but delinquency data suggests most vulnerable customers are falling into further financial difficulty\u00a0 LONDON&#8211;(BUSINESS WIRE)&#8211; The latestcredit card data analysis by global analytics software leader FICO (NYSE: FICO) highlights a typical decline in spending and increase in payment rates following the Easter period. However, year-on-year analysis shows delinquency rates for accounts with three missed payments have increased 17.1%. With seasonal spending expected to increase over the summer months, in part due to rising fuel prices, FICO urges heightened monitoring of late payments and pre-delinquency intervention strategies by lenders. 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