{"id":997358,"date":"2026-08-24T04:03:04","date_gmt":"2026-08-24T08:03:04","guid":{"rendered":"https:\/\/www.marketnewsdesk.com\/index.php\/uk-credit-card-payment-rates-drop-and-card-balances-rise-as-summer-spending-puts-pressure-on-consumers\/"},"modified":"2026-08-24T04:03:04","modified_gmt":"2026-08-24T08:03:04","slug":"uk-credit-card-payment-rates-drop-and-card-balances-rise-as-summer-spending-puts-pressure-on-consumers","status":"publish","type":"post","link":"https:\/\/www.marketnewsdesk.com\/index.php\/uk-credit-card-payment-rates-drop-and-card-balances-rise-as-summer-spending-puts-pressure-on-consumers\/","title":{"rendered":"UK Credit Card Payment Rates Drop and Card Balances Rise as Summer Spending Puts Pressure on Consumers"},"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.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.bwvertalignt { vertical-align: top }\n.bwwidth100 { width: 100% }\n.bwwidth24 { width: 24% }\n.bwwidth26 { width: 26% }\n.bwwidth42 { width: 42% }\n.bwwidth8 { width: 8% }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>UK Credit Card Payment Rates Drop and Card Balances Rise as Summer Spending Puts Pressure on Consumers<\/b><\/p>\n<p class=\"bwalignc\"><i>FICO UK Credit Card Market Report for June 2026 identifies the need for increased vigilance on late payments by risk teams<\/i><\/p>\n<p>LONDON&#8211;(<a href=\"http:\/\/www.businesswire.com\">BUSINESS WIRE<\/a>)&#8211;<br \/>\nAs summer spending rose in June, credit card data analysis for June 2026 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%2F&amp;esheet=54592880&amp;newsitemid=20260824172828&amp;lan=en-US&amp;anchor=FICO&amp;index=1&amp;md5=f29033cad8fa56c62d155e2074e05139\">FICO <\/a>(NYSE: FICO) underlines the financial pressures facing UK households. Falling payments contributed to an annual increase in accounts with one, two and three missed payments. And with average balances across all three delinquent categories rising month-on-month, risk teams will need to maintain heightened monitoring for signs of pressure on affordability.<\/p>\n<p><b>Highlights<\/b><\/p>\n<ul class=\"bwlistdisc\">\n<li>\nAverage spend increased by 5.6% month-on-month, to \u00a3835.<\/p>\n<\/li>\n<li>\nThe average active balance increased by 1.4% month-on-month, reaching a new record high of \u00a31,975. It is also 4.7% higher than June 2025.<\/p>\n<\/li>\n<li>\nThe percentage of balance paid decreased by 2.4% month-on-month to 33.3%, and remaining 4.4% lower year-on-year.<\/p>\n<\/li>\n<li>\nThe percentage of customers missing one payment increased 7.7% year-on-year, with the average balance on accounts with one missed payment 4.1% higher<\/p>\n<\/li>\n<li>\nThere was a 5.5% increase, month-on-month, in customers missing two payments and 9.1% year-on-year, with the average balance increasing 2.2% year-on-year<\/p>\n<\/li>\n<li>\nFor customers missing three payments, there was a significant 14.3% year-on-year increase, with the average balance 1.9% higher than the same month in 2025.<\/p>\n<\/li>\n<li>\nAverage credit limits increased by 0.2% month-on-month to \u00a35,985, remaining 2.0% higher year-on-year.<\/p>\n<\/li>\n<\/ul>\n<p><b><span class=\"bwuline\">FICO Comment:<\/span><\/b><\/p>\n<p>\nJune 2026 continued to present a mixed picture for consumer affordability. An increase in spending could, potentially, be seen as a good sign of economic confidence, however, the increase in spending was not matched by the percentage of overall balance paid, which fell on the previous month and year, reversing the previous recovery and continuing its persistent downwards trend. And with an increase in late payments across one, two and three months, a record-high average active balance will be of concern to risk teams.<\/p>\n<p>\nPayment rates remain at historically low levels, close to the pre-pandemic average of 30%. With rising spending and payments to balance, the average active balance has maintained record highs, a trend that characterised the market throughout 2025 and into 2026.<\/p>\n<p>\nIn terms of missed payments, June saw a mixed picture across delinquency categories, with month-on-month improvements in one and three-cycle accounts offset by an increase at two cycles. However, all three delinquency categories remain higher year-on-year, continuing the concerning trend that emerged in the second half of 2025 and has persisted throughout 2026.<\/p>\n<p>\nJune credit card data indicates that underlying affordability pressures remain significant. Risk teams should maintain heightened monitoring of delinquency progression through the cycle buckets and ensure pre-delinquency intervention strategies remain calibrated to address the elevated balance levels now characteristic of customers in financial difficulty.<\/p>\n<p><b>Key Trend Indicators \u2013 UK Cards June 2026<\/b><\/p>\n<table cellspacing=\"0\" class=\"bwtablemarginb bwblockalignl bwwidth100\">\n<tr>\n<td class=\"bwvertalignt bwtopsingle bwsinglebottom bwleftsingle bwrightsingle bwpadl0 bwwidth42\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin\"><b>Metric<\/b><\/p>\n<\/td>\n<td class=\"bwvertalignt bwtopsingle bwsinglebottom bwrightsingle bwpadl0 bwwidth8\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignc bwcellpmargin\"><b>Amount<\/b><\/p>\n<\/td>\n<td class=\"bwvertalignt bwtopsingle bwsinglebottom bwrightsingle bwpadl0 bwwidth26\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignc bwcellpmargin\"><b>Month-on-Month<br \/>\n<br \/>Change<\/b><\/p>\n<\/td>\n<td class=\"bwvertalignt bwtopsingle bwsinglebottom bwrightsingle bwpadl0 bwwidth24\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignc bwcellpmargin\"><b>Year-on-<br \/>\n<br \/>Year<br \/>\n<br \/>Change<\/b><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"bwvertalignt bwsinglebottom bwleftsingle bwrightsingle bwpadl0 bwwidth42\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin\">\nAverage UK Credit Card Spend<\/p>\n<\/td>\n<td class=\"bwsinglebottom bwrightsingle bwpadl0 bwpadr0 bwvertalignb bwpadb3 bwalignc bwwidth8\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignc\">\n\u00a3835<\/p>\n<\/td>\n<td class=\"bwvertalignt bwsinglebottom bwrightsingle bwpadl0 bwalignc bwwidth26\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignc bwcellpmargin\">\n+5.6%<\/p>\n<\/td>\n<td class=\"bwvertalignt bwsinglebottom bwrightsingle bwpadl0 bwalignc bwwidth24\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignc bwcellpmargin\">\n+0.9%<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"bwvertalignt bwsinglebottom bwleftsingle bwrightsingle bwpadl0 bwwidth42\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin\">\nAverage Card Balance<\/p>\n<\/td>\n<td class=\"bwsinglebottom bwrightsingle bwpadl0 bwpadr0 bwvertalignb bwpadb3 bwalignc bwwidth8\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignc\">\n\u00a31,975<\/p>\n<\/td>\n<td class=\"bwvertalignt bwsinglebottom bwrightsingle bwpadl0 bwalignc bwwidth26\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignc bwcellpmargin\">\n+1.4%<\/p>\n<\/td>\n<td class=\"bwvertalignt bwsinglebottom bwrightsingle bwpadl0 bwalignc bwwidth24\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignc bwcellpmargin\">\n+4.7%<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"bwvertalignt bwsinglebottom bwleftsingle bwrightsingle bwpadl0 bwwidth42\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin\">\nPercentage of Payments to Balance<\/p>\n<\/td>\n<td class=\"bwsinglebottom bwrightsingle bwpadl0 bwpadr0 bwvertalignb bwpadb3 bwalignc bwwidth8\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignc\">\n33.3%<\/p>\n<\/td>\n<td class=\"bwsinglebottom bwrightsingle bwpadl0 bwpadr0 bwvertalignb bwpadb3 bwalignc bwwidth26\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignc\">\n-2.4%<\/p>\n<\/td>\n<td class=\"bwsinglebottom bwrightsingle bwpadl0 bwpadr0 bwvertalignb bwpadb3 bwalignc bwwidth24\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignc\">\n-4.4%<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"bwvertalignt bwsinglebottom bwleftsingle bwrightsingle bwpadl0 bwwidth42\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin\">\nAccounts with One Missed Payment<\/p>\n<\/td>\n<td class=\"bwsinglebottom bwrightsingle bwpadl0 bwpadr0 bwvertalignb bwpadb3 bwalignc bwwidth8\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignc\">\n1.4%<\/p>\n<\/td>\n<td class=\"bwsinglebottom bwrightsingle bwpadl0 bwpadr0 bwvertalignb bwpadb3 bwalignc bwwidth26\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignc\">\n-7.7%<\/p>\n<\/td>\n<td class=\"bwvertalignt bwsinglebottom bwrightsingle bwpadl0 bwalignc bwwidth24\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignc bwcellpmargin\">\n+7.7%<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"bwvertalignt bwsinglebottom bwleftsingle bwrightsingle bwpadl0 bwwidth42\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin\">\nAccounts with Two Missed Payments<\/p>\n<\/td>\n<td class=\"bwsinglebottom bwrightsingle bwpadl0 bwpadr0 bwvertalignb bwpadb3 bwalignc bwwidth8\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignc\">\n0.3%<\/p>\n<\/td>\n<td class=\"bwvertalignt bwsinglebottom bwrightsingle bwpadl0 bwalignc bwwidth26\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignc bwcellpmargin\">\n+5.5%<\/p>\n<\/td>\n<td class=\"bwvertalignt bwsinglebottom bwrightsingle bwpadl0 bwalignc bwwidth24\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignc bwcellpmargin\">\n+9.1%<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"bwvertalignt bwsinglebottom bwleftsingle bwrightsingle bwpadl0 bwwidth42\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin\">\nAccounts with Three Missed Payments<\/p>\n<\/td>\n<td class=\"bwsinglebottom bwrightsingle bwpadl0 bwpadr0 bwvertalignb bwpadb3 bwalignc bwwidth8\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignc\">\n0.2%<\/p>\n<\/td>\n<td class=\"bwsinglebottom bwrightsingle bwpadl0 bwpadr0 bwvertalignb bwpadb3 bwalignc bwwidth26\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignc\">\n-13.9%<\/p>\n<\/td>\n<td class=\"bwvertalignt bwsinglebottom bwrightsingle bwpadl0 bwalignc bwwidth24\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignc bwcellpmargin\">\n+14.3%<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"bwvertalignt bwsinglebottom bwleftsingle bwrightsingle bwpadl0 bwwidth42\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin\">\nAverage Credit Limit<\/p>\n<\/td>\n<td class=\"bwsinglebottom bwrightsingle bwpadl0 bwpadr0 bwvertalignb bwpadb3 bwalignc bwwidth8\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignc\">\n\u00a35,985<\/p>\n<\/td>\n<td class=\"bwvertalignt bwsinglebottom bwrightsingle bwpadl0 bwalignc bwwidth26\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignc bwcellpmargin\">\n+0.2%<\/p>\n<\/td>\n<td class=\"bwvertalignt bwsinglebottom bwrightsingle bwpadl0 bwalignc bwwidth24\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignc bwcellpmargin\">\n+2.0%<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"bwvertalignt bwsinglebottom bwleftsingle bwrightsingle bwpadl0 bwwidth42\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin\">\nAverage Overlimit Spend<\/p>\n<\/td>\n<td class=\"bwsinglebottom bwrightsingle bwpadl0 bwpadr0 bwvertalignb bwpadb3 bwalignc bwwidth8\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignc\">\n\u00a395<\/p>\n<\/td>\n<td class=\"bwsinglebottom bwrightsingle bwpadl0 bwpadr0 bwvertalignb bwpadb3 bwalignc bwwidth26\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignc\">\n-4.1%<\/p>\n<\/td>\n<td class=\"bwvertalignt bwsinglebottom bwrightsingle bwpadl0 bwalignc bwwidth24\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignc bwcellpmargin\">\n+3.3%<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"bwvertalignt bwsinglebottom bwleftsingle bwrightsingle bwpadl0 bwwidth42\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin\">\nCash Sales as a % of Total Sales<\/p>\n<\/td>\n<td class=\"bwsinglebottom bwrightsingle bwpadl0 bwpadr0 bwvertalignb bwpadb3 bwalignc bwwidth8\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignc\">\n0.8%<\/p>\n<\/td>\n<td class=\"bwvertalignt bwsinglebottom bwrightsingle bwpadl0 bwalignc bwwidth26\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwalignc bwcellpmargin\">\n+0.5%<\/p>\n<\/td>\n<td class=\"bwsinglebottom bwrightsingle bwpadl0 bwpadr0 bwvertalignb bwpadb3 bwalignc bwwidth24\" rowspan=\"1\" colspan=\"1\">\n<p class=\"bwcellpmargin bwalignc\">\n-4.4%<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"bwpadl0\" colspan=\"4\" 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=54592880&amp;newsitemid=20260824172828&amp;lan=en-US&amp;anchor=FICO%26%23174%3B+TRIAD%26%23174%3B+Customer+Manager&amp;index=2&amp;md5=02b4ddcdb8650f02edbbe2bb5e57cf80\"><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.<\/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=54592880&amp;newsitemid=20260824172828&amp;lan=en-US&amp;anchor=www.fico.com&amp;index=3&amp;md5=e5a7025e2340ef04190cbad8f7de30b1\">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=20260824172828r1&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\/20260824172828\/en\/\" rel=\"nofollow\">https:\/\/www.businesswire.com\/news\/home\/20260824172828\/en\/<\/a><\/span><\/p>\n<p><b><i>For further press information please contact:<br \/>\n<\/i><\/b><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> Data Analytics Finance Banking Data Management Professional Services Technology Fintech Business<\/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\/20260824172828\/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>UK Credit Card Payment Rates Drop and Card Balances Rise as Summer Spending Puts Pressure on Consumers FICO UK Credit Card Market Report for June 2026 identifies the need for increased vigilance on late payments by risk teams LONDON&#8211;(BUSINESS WIRE)&#8211; As summer spending rose in June, credit card data analysis for June 2026 by global analytics software leader FICO (NYSE: FICO) underlines the financial pressures facing UK households. Falling payments contributed to an annual increase in accounts with one, two and three missed payments. And with average balances across all three delinquent categories rising month-on-month, risk teams will need to maintain heightened monitoring for signs of pressure on affordability. Highlights Average spend increased by 5.6% month-on-month, to \u00a3835. The average &hellip; <\/p>\n<p class=\"link-more\"><a href=\"https:\/\/www.marketnewsdesk.com\/index.php\/uk-credit-card-payment-rates-drop-and-card-balances-rise-as-summer-spending-puts-pressure-on-consumers\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;UK Credit Card Payment Rates Drop and Card Balances Rise as Summer Spending Puts Pressure on Consumers&#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-997358","post","type-post","status-publish","format-standard","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>UK Credit Card Payment Rates Drop and Card Balances Rise as Summer Spending Puts Pressure on Consumers - 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\/uk-credit-card-payment-rates-drop-and-card-balances-rise-as-summer-spending-puts-pressure-on-consumers\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"UK Credit Card Payment Rates Drop and Card Balances Rise as Summer Spending Puts Pressure on Consumers - Market Newsdesk\" \/>\n<meta property=\"og:description\" content=\"UK Credit Card Payment Rates Drop and Card Balances Rise as Summer Spending Puts Pressure on Consumers FICO UK Credit Card Market Report for June 2026 identifies the need for increased vigilance on late payments by risk teams LONDON&#8211;(BUSINESS WIRE)&#8211; As summer spending rose in June, credit card data analysis for June 2026 by global analytics software leader FICO (NYSE: FICO) underlines the financial pressures facing UK households. Falling payments contributed to an annual increase in accounts with one, two and three missed payments. And with average balances across all three delinquent categories rising month-on-month, risk teams will need to maintain heightened monitoring for signs of pressure on affordability. Highlights Average spend increased by 5.6% month-on-month, to \u00a3835. The average &hellip; Continue reading &quot;UK Credit Card Payment Rates Drop and Card Balances Rise as Summer Spending Puts Pressure on Consumers&quot;\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.marketnewsdesk.com\/index.php\/uk-credit-card-payment-rates-drop-and-card-balances-rise-as-summer-spending-puts-pressure-on-consumers\/\" \/>\n<meta property=\"og:site_name\" content=\"Market Newsdesk\" \/>\n<meta property=\"article:published_time\" content=\"2026-08-24T08:03:04+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/cts.businesswire.com\/ct\/CT?id=bwnews&amp;sty=20260824172828r1&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\\\/uk-credit-card-payment-rates-drop-and-card-balances-rise-as-summer-spending-puts-pressure-on-consumers\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/uk-credit-card-payment-rates-drop-and-card-balances-rise-as-summer-spending-puts-pressure-on-consumers\\\/\"},\"author\":{\"name\":\"Newsdesk\",\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/#\\\/schema\\\/person\\\/482f27a394d4fda80ecb5499e519d979\"},\"headline\":\"UK Credit Card Payment Rates Drop and Card Balances Rise as Summer Spending Puts Pressure on Consumers\",\"datePublished\":\"2026-08-24T08:03:04+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/uk-credit-card-payment-rates-drop-and-card-balances-rise-as-summer-spending-puts-pressure-on-consumers\\\/\"},\"wordCount\":764,\"image\":{\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/uk-credit-card-payment-rates-drop-and-card-balances-rise-as-summer-spending-puts-pressure-on-consumers\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/cts.businesswire.com\\\/ct\\\/CT?id=bwnews&amp;sty=20260824172828r1&amp;sid=flmnd&amp;distro=nx&amp;lang=en\",\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/uk-credit-card-payment-rates-drop-and-card-balances-rise-as-summer-spending-puts-pressure-on-consumers\\\/\",\"url\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/uk-credit-card-payment-rates-drop-and-card-balances-rise-as-summer-spending-puts-pressure-on-consumers\\\/\",\"name\":\"UK Credit Card Payment Rates Drop and Card Balances Rise as Summer Spending Puts Pressure on Consumers - 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Falling payments contributed to an annual increase in accounts with one, two and three missed payments. And with average balances across all three delinquent categories rising month-on-month, risk teams will need to maintain heightened monitoring for signs of pressure on affordability. Highlights Average spend increased by 5.6% month-on-month, to \u00a3835. 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