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Credit Card Issuing

Credit Card Issuing

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Executive summary

Over the five years to 2022, the Credit Card Issuing industry is expected to grow as a result of improving employment and consumer spending levels towards the end of the period. Industry operators' primary function is providing credit services to consumers and businesses by issuing cards with available credit lines that must be repaid in full to the issuer, often in installments. Commercial banks are excluded from this industry since their primary function is not providing credit cards. Industry operators generate revenue from cardholders primarily through fees, interest and other charges agreed upon through a contract. Issuers have increasingly adopted risk-based pricing models based on consumers' borrowing habits and ability to pay their balances. Industry operators compete by offering customers lower rates, flexible payment options and rewards based on spending.
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Each report includes:

industry revenue;

industry profit;

industry margin;

industry employment;

industry major players;

industry key external drivers;

industry product & structure segmentation;

industry key trends;

industry Life Cycle;

industry Geographic Breakdown;

industry Key Success Factors;

industry Key statistics for previous years;

forecast of industry Key statistics for the next 5 years;

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Reference Wordlist

High barriers to entry mean that new companies struggle to enter an industry, while low barriers mean it is easy for new companies to enter an industry.

Compares the amount of money spent on capital (plant, machinery and equipment) with that spent on labor.
IBISWorld uses the ratio of depreciation to wages as a proxy for capital intensity. High capital intensity is more than $0.333 of capital to $1 of labor; medium is $0.125 to $0.333 of capital to $1 of labor; low is less than $0.125 of capital for every $1 of labor.

The dollar figures in the Key Statistics table, including forecasts, are adjusted for inflation using the current year (i.e. year published) as the base year. This removes the impact of changes in the purchasing power of the dollar, leaving only the "real" growth or decline in industry metrics. The inflation adjustments in IBISWorld’s reports are made using the US Bureau of Economic Analysis’ implicit GDP price deflator.

Spending on industry goods and services within the United States, regardless of their country of origin. It is derived by adding imports to industry revenue, and then subtracting exports.

Colloquial Terminology

When a customer is unable to repay a debt, often at the point of six months without repayment, the debt is written off as uncollectible.

Payment made by one bank to another to process credit and debit transactions made on cards from another bank.

An expense set aside for bad loans.

Consumer credit line that can be used up to a certain limit or paid down at any time.


Improving employment and spending levels during the majority of the period led consumers to make larger and more frequent purchases with their credit cards provided by industry operators. However, the spread of COVID-19 (coronavirus) in 2020 shut down many business and increased unemployment, which significantly lowered spending and credit card usage. Overall, industry revenue is expected to increase an annualized 2.4% over the five years to 2022 to reach $164.3 billion, increasing 3.4% in 2022 alone. Additionally, increases in wages has spurred consumer spending and increased disposable income, increasing consumers ability to pay back credit card loans. This is anticipated to lead to increased industry profitability towards the end of the period.

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