The Credit Card Data Book: 12 Significant Indicators


Expect more conservative credit card issuance in 2018 as the lenders face increased delinquency and rising interest rates

New Mercator Advisory Group presents leading U.S. credit card metrics for 2018, projects growth, and assesses credit risk.

Author: Brian Riley
Published on: December 13, 2017

Mercator Advisory Group’s new research report The Credit Card Data Book: 12 Significant Indicators finds rising account delinquency and less profitability at credit card issuers in the United States, which is likely to lead issuers to tighten credit after a banner growth year.

More U.S. households are revolving credit card debt today than did before the recession, and contingent liability, the amount of open credit lines, will pass the previous high during 2018. Mercator Advisory Group cautions credit card issuers to be watchful of increases in account delinquency, which may further disrupt their profitability. Credit cards remain profitable for retail bankers, but reductions in non-interest revenue since the Credit Card Accountability Responsibility and Disclosure Act of 2009 (the CARD Act) have disrupted the business model. Credit loss protection must be a top consideration for card issuers.

“The return on assets (ROA) indicator for credit cards slipped again during 2017 and is trending downward,” commented Brian Riley, Director, Credit Advisory Service, author of this report. “Increases in delinquency will drive up costs and negatively impact credit losses, a major industry expense. Growth has been solid, but the basics of credit management are what will bring in profits for issuers during 2018.”

This research report contains 23 pages and 14 exhibits.

Companies mentioned in this report include: Bank of American, Chase, Citi, FICO, HSBC, LexisNexis Risk Solutions, Mastercard, Visa

Members of Mercator Advisory Group’s Credit Advisory Service have access to these reports as well as the upcoming research for the year ahead, presentations, analyst access, and other membership benefits.

For more information and media inquiries, please call Mercator Advisory Group’s main line: 1-781-419-1700, send email to

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 Highlights of the research report include:

  • The credit card aging process
  • Revolving debt
  • Open credit card account volume
  • Consumer credit delinquency
  • Bank return on assets
  • Projected interest rates


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