The number of cards used for this purpose is secondary. For a market analysis, one should orientate oneself on the decisive factor “payments volume””. By the way, growth with debit cards was “only” 7.8%. Turnover has not yet reached the pre-Corona level of 2019, but the growth rates in Corona Year 2 are impressive. The payments volume (€) generated with these two credit card types increased strongly in 2021 compared to 2020: The most important counter-argument first. Should we start the swan song? You can try that in the shower, there are no reasons (yet?) for a collective singing. In the new issue of the magazine “Karten” 3, the editors speculate a crowding-out effect by “buy-now-pay-later” (BNPL) products. What are the causes? In the neighbouring blog “Finanz-Szene” 2Christian Kirchner already sees a possible saturation in the credit card market and a trend reversal based on these figures. These figures have been growing steadily for years. According to the Bundesbank’s payment statistics, the number of credit cards issued 1fell by 6% (for so-called charge or delayed debit cards) and by 0.9% (for “real” credit cards with revolving credit) in 2021 compared to 2020.
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