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U.S. Major Payment Networks & Issuers Market Analysis, Performance & Trends - Quarterly Review (2015-2019) and Annual Historical & Forecast (2015-2025) COVID-19 ADJUSTED

  • ID: 4997173
  • Report
  • March 2020
  • Region: United States
  • 404 Pages
  • Ram Research
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The Extended U.S. Recovery has Produced an Erosion in Credit Quality, Re-Igniting a Race to the Bottom

FEATURED COMPANIES

  • Alliance Data Systems
  • Bank of America
  • Barclays Bank
  • BECU
  • Capital One
  • Citibank
  • MORE

The mixed performance bag of the U.S. payment card market in 2019 produced record-setting double-digit yields and highest pre-tax ROAs in more than 30 years.

However, portfolio metrics reveal erratic American consumer behavior with spending and debt, amidst global economic uncertainty. The extended U.S. recovery has produced an erosion in credit quality, re-igniting a race to the bottom. Going forward, profitability in the U.S. payment card market will likely face significant pressure from recession losses, reduced purchase volume coupled with rising account acquisition and card enhancement costs.

This report, divided into seven sections, examines the operating performance, critical metrics, market dynamics and growth potential of the U.S. payment card market, including credit cards, charge cards, debit cards and prepaid cards.

The report carefully examines the historical performance patterns on a quarter-by-quarter basis for the past five years. Annual historical performance of the past five years is reviewed and coupled with a five year forecast. Performance data are presented individually and by peer group.

The report primarily covers a wide range of peer group performance metrics for the four major U.S.-based payment card networks, four largest U.S. bank payment card portfolios, and the two hybrid network/issuers. Collectively this peer group represents over 60% of the total U.S. market in payment card outstandings and nearly 100% of the U.S. market based on purchase dollar volume.

Additionally, the report identifies and details the current individual annual performance data (outstandings and purchase dollar volume) of the 50 largest U.S. issuers, representing over 70% of the U.S. payment card market. Historical and current quarterly performance data (revolving debt, delinquency, charge-offs and pricing) of the Top 100 banks, based on assets, representing more than 80% of the U.S. payment card market, is presented on a peer group level.

Most importantly each of the 43 parts includes a commentary and analysis of other key performance discussion, if relevant, including marketing expenses, per account acquisition costs, marketing channels, voluntary attrition, involuntary attrition, average tickets, portfolio segmentation by credit score and product type, reward redemption rates, fee development, demographics, new products and services, mobile apps and emerging payment technology.

Through a total of 344 exhibits and more than 5,000 data points the U.S. payment card market reveals the trend lines developing over the past five years and the basis for a reliable five-year forecast.

The report closely examines the four major U.S. networks quarterly and annually operating performance in the U.S. market as it pertains to gross dollar volume, purchase dollar volume, open accounts, cards-in-force, and market share. The data are presented individually and as a peer group.

Additionally, the two largest networks are reviewed, quarterly and annually, individually and combined, for gross dollar volume, purchase dollar volume, cash dollar volume, open accounts, cards-in-force, gross transactions, purchase transactions, cash transactions.

The four largest U.S. credit card issuer portfolios are examined individually, and as a peer group, for the past five-year period, quarter-by-quarter, and annually. Critical portfolio metrics include early stage delinquency, late stage delinquency, charge-offs, loan-loss reserves, yield, marketshare, profit/loss, outstandings, gross volume, purchase volume, total open accounts, total active accounts, and cards-in-force.

The portfolios of the four largest U.S. credit card issuers, combined with the two largest hybrid issuer/networks, are examined individually and presented as a peer group, quarterly and annually. Metrics include early stage delinquency, late stage delinquency, charge-offs, loan-loss reserves, yield, marketshare, profit/loss, outstandings, gross volume, purchase volume, total open accounts, total active accounts, and cards-in-force.

Report Highlights

  • U.S. payment networks will post purchase volumes below an 8% CAGR (Compound Annual Growth Rate) for the next four years
  • U.S. card issuers will face average delinquency ratios climbing above 3% for the next three years
  • U.S. top issuers will report eroding average yields of less than 12% for the next five years
  • U.S. consumer Debt Service Ratio will trend upward by 40 bps over next two years

Methodology

  • The majority of granular data are gathered through SEC filings and/or other open sources. Otherwise granular data may also be derived by direct contact with the source company, when necessary.
  • Any estimated data are based on at least three currently disclosed metrics along with historical disclosed data and or current peer group statistics.
  • Commentary may reference, in a general sense, certain sensitive information without disclosure of the source or the protections of a non-disclosure agreement.
  • Projections reflect historical payment card performance patterns in a relevant economy; heavily weighted to current CAGR, year-on-year and quarter-to-quarter momentum; plus general consensus of forecasted U.S. economic indicators. Global factors are lightly weighted in projections.
Note: Product cover images may vary from those shown
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FEATURED COMPANIES

  • Alliance Data Systems
  • Bank of America
  • Barclays Bank
  • BECU
  • Capital One
  • Citibank
  • MORE

U.S. Major Networks & Issuers Market Analysis, Performance & Trends - Quarterly Review (2015-2019) and Annual Historical & Forecast (2015-2025)

7 Sections - 43 Parts - 344 Exhibits - 5,000+ Data Points - 400+ Pages

SECTION A: U.S. Network Peer Group

Part 01 - U.S.-Based Network Credit/Charge Card U.S. Gross Dollar Volume

  • Exhibit 01-01 Quarterly Summary/Analysis: U.S.-Based Network Global Payment Card Gross Dollar Volume (US$) [2015-2019]
  • Exhibit 01-02 Quarterly Current/Historical Table: U.S.-Based Network  Credit/Charge Card U.S. Gross Dollar Volume (US$) [2015-2019]
  • Exhibit 01-03 Annual Current/Projections Table: U.S.-Based Network Credit/Charge Card U.S. Gross Dollar Volume (US$) [2015-2025]
  • Exhibit 01-04 Quarterly Table: Visa U.S. Credit/Charge Card Gross Dollar Volume (US $) [2015-2019]
  • Exhibit 01-05 Quarterly Table: Mastercard U.S. Credit/Charge Card Gross Dollar Volume (US$) [2015-2019]
  • Exhibit 01-06 Quarterly Table: American Express U.S. Credit/Charge Card Gross Dollar Volume (US$) [2015-2019]
  • Exhibit 01-07 Quarterly Table: Discover/Diners U.S. Credit/Charge Card Gross Dollar Volume (US$) [2015-2019]

Part 02 - U.S.-Based Network U.S. Payment Card (Credit+Charge+Debit+Prepaid) Purchase Dollar Volume

  • Exhibit 02-01 Quarterly Summary/Analysis: U.S.-Based Network U.S. Payment Card Purchase Dollar Volume (US$) [2015-2019]
  • Exhibit 02-02 Quarterly Current/Historical Table: U.S.-Based Network  Payment Card U.S. Purchase Dollar Volume (US$) [2015-2019]
  • Exhibit 02-03 Annual Current/Projections Table: U.S.-Based Network Payment Card U.S. Purchase Dollar Volume (US$) [2015-2025]
  • Exhibit 02-04 Quarterly Table: Visa U.S. Payment Card Purchase Dollar Volume (US$) [2015-2019]
  • Exhibit 02-05 Quarterly Table: Mastercard U.S. Payment Card Purchase Dollar Volume (US$) [2015-2019]
  • Exhibit 02-06 Quarterly Table: American Express U.S. Payment Card Purchase Dollar Volume (US$) [2015-2019]
  • Exhibit 02-07 Quarterly Table: Discover/Diners U.S. Payment Card Purchase Dollar Volume (US$) [2015-2019]

Part 03 - U.S.-Based Network U.S. Payment Card (Credit+Charge+Debit+Prepaid) Gross (Open) Accounts

  • Exhibit 03-01 Quarterly Summary/Analysis: U.S.-Based Network U.S. Payment Card Gross (Open) Accounts [2015-2019]
  • Exhibit 03-02 Quarterly Current/Historical Table: U.S.-Based Network  Payment Card U.S. Gross (Open) Accounts [2015-2019]
  • Exhibit 03-03 Annual Current/Projections Table: U.S.-Based Network U.S. Payment Card Gross (Open) Accounts [2015-2025]
  • Exhibit 03-04 Quarterly Table: Visa U.S. Payment Card Gross (Open) Accounts [2015-2019]
  • Exhibit 03-05 Quarterly Table: Mastercard U.S. Payment Card Gross (Open) Accounts [2015-2019]
  • Exhibit 03-06 Quarterly Table: American Express U.S. Payment Card Gross (Open) Accounts [2015-2019]
  • Exhibit 03-07 Quarterly Table: Discover/Diners U.S. Payment Card Gross (Open) Accounts [2015-2019]

Part 04 - U.S.-Based Network U.S. Payment Card (Credit+Charge+Debit+Prepaid) Cards-in-Force

  • Exhibit 04-01 Quarterly Summary/Analysis: U.S.-Based Network U.S. Payment Card Cards-in-Force [2015-2019]
  • Exhibit 04-02 Quarterly Current/Historical Table: U.S.-Based Network  U.S. Payment Card Cards-in-Force [2015-2019]
  • Exhibit 04-03 Annual Current/Projections Table: U.S.-Based Network U.S. Payment Card Cards-in-Force [2015-2025]
  • Exhibit 04-04 Quarterly Table: Visa U.S. Payment Card Cards-in-Force [2015-2019]
  • Exhibit 04-05 Quarterly Table: Mastercard U.S. Payment Card Cards-in-Force [2015-2019]
  • Exhibit 04-06 Quarterly Table: American Express U.S. Payment Card Cards-in-Force [2015-2019]
  • Exhibit 04-07 Quarterly Table: Discover/Diners U.S. Payment Card Cards-in-Force [2015-2019]

Part 05 - U.S.-Based Network U.S. Payment Card (Credit+Charge+Debit+Prepaid) Marketshare/Gross Dollar Volume

  • Exhibit 05-01 Quarterly Summary/Analysis: U.S.-Based Network U.S. Payment Card Marketshare/Gross Dollar Volume (%)  [2015-2019]
  • Exhibit 05-02 Quarterly Current/Historical Table: U.S.-Based Network U.S. Payment Card Marketshare/Gross Dollar Volume (%) [2015-2019]
  • Exhibit 05-03 Annual Current/Projections Table: U.S.-Based Network U.S. Payment Card Marketshare/Gross Dollar Volume (%) [2015-2025]
  • Exhibit 05-04 Quarterly Table: Visa U.S. Payment Card Gross Dollar Volume ($US) [2015-2019] Exhibit
  • Exhibit 05-05 Quarterly Table: Mastercard U.S. Payment Card Gross Dollar Volume ($US) [2015-2019] Exhibit
  • Exhibit 05-06 Quarterly Table: American Express U.S. Payment Card Gross Dollar Volume ($US) [2015-2019] Exhibit
  • Exhibit 05-07 Quarterly Table: Discover/Diners U.S. Payment Card Gross Dollar Volume ($US) [2015-2019]

SECTION B: U.S. Issuer Peer Group

Part 06 - Four Largest U.S. Credit/Charge Card Issuers U.S. Gross Dollar Volume

  • Exhibit 06-01 Quarterly Summary/Analysis: Four Largest U.S. Credit/Charge Card Issuers U.S. Gross Dollar Volume ($US) [2015-2019]
  • Exhibit 06-02 Quarterly Current/Historical Table: Four Largest U.S. Credit/Charge Card Issuers U.S. Gross Dollar Volume ($US) [2015-2019]
  • Exhibit 06-03 Annual Current/Projections Table: Four Largest U.S. Credit/Charge Card Issuers U.S. Gross Dollar Volume ($US) [2015-2025]
  • Exhibit 06-04 Quarterly Table: Chase U.S. Credit/Charge Card Gross Dollar Volume ($US) [2015-2019]
  • Exhibit 06-05 Quarterly Table: Capital One U.S. Credit/Charge Card Gross Dollar Volume ($US) [2015-2019]
  • Exhibit 06-06 Quarterly Table: Bank of America U.S. Credit/Charge Card Gross Dollar Volume ($US) [2015-2019]
  • Exhibit 06-07 Quarterly Table: Citibank U.S. Credit/Charge Card Gross Dollar Volume ($US) [2015-2019]

Part 07 - Four Largest U.S. Credit/Charge Card Issuers U.S. Purchase Dollar Volume  

  • Exhibit 07-01 Quarterly Summary/Analysis: Four Largest U.S. Credit/Charge Card Issuers U.S. Purchase Dollar Volume ($US) [2015-2019]
  • Exhibit 07-02 Quarterly Current/Historical Table: Four Largest U.S. Credit/Charge Card Issuers U.S. Purchase Dollar Volume ($US) [2015-2019]
  • Exhibit 07-03 Annual Current/Projections Table: Four Largest U.S. Credit/Charge Card Issuers U.S. Purchase Dollar Volume ($US) [2015-2025]
  • Exhibit 07-04 Quarterly Table: Chase U.S. Credit/Charge Card Purchase Dollar Volume ($US) [2015-2019]
  • Exhibit 07-05 Quarterly Table: Capital One U.S. Credit/Charge Card Purchase Dollar Volume ($US) [2015-2019]
  • Exhibit 07-06 Quarterly Table: Bank of America U.S. Credit/Charge Card Purchase Dollar Volume ($US) [2015-2019]
  • Exhibit 07-07 Quarterly Table: Citibank U.S. Credit/Charge Card Purchase Dollar Volume ($US) [2015-2019]

Part 08 - Four Largest U.S. Credit/Charge Card Issuers U.S. End-of-Period Outstandings  

  • Exhibit 08-01 Quarterly Summary/Analysis: Four Largest U.S. Credit/Charge Card Issuers U.S. End-of-Period Outstandings ($US) [2015-2019]
  • Exhibit 08-02 Quarterly Current/Historical Table: Four Largest U.S. Credit/Charge Card Issuers U.S. End-of-Period Outstandings ($US) [2015-2019]
  • Exhibit 08-03 Annual Current/Projections Table: Four Largest U.S. Credit/Charge Card Issuers U.S. End-of-Period Outstandings ($US) [2015-2025]
  • Exhibit 08-04 Quarterly Table: Chase U.S. Credit/Charge Card End-of-Period Outstandings ($US) [2015-2019]
  • Exhibit 08-05 Quarterly Table: Capital One U.S. Credit/Charge Card End-of-Period Outstandings ($US) [2015-2019]
  • Exhibit 08-06 Quarterly Table: Bank of America U.S. Credit/Charge Card End-of-Period Outstandings ($US) [2015-2019]
  • Exhibit 08-07 Quarterly Table: Citibank U.S. Credit/Charge Card End-of-Period Outstandings ($US) [2015-2019]

Part 09 - Four Largest U.S. Credit/Charge Card Issuers U.S. Gross (Open) Accounts  

  • Exhibit 09-01 Quarterly Summary/Analysis: Four Largest U.S. Credit/Charge Card Issuers U.S. Gross (Open) Accounts [2015-2019]
  • Exhibit 09-02 Quarterly Current/Historical Table: Four Largest U.S. Credit/Charge Card Issuers U.S. Gross (Open) Accounts [2015-2019]
  • Exhibit 09-03 Annual Current/Projections Table: Four Largest U.S. Credit/Charge Card Issuers U.S. Gross (Open) Accounts [2015-2025]
  • Exhibit 09-04 Quarterly Table: Chase U.S. Credit/Charge Gross (Open) Accounts [2015-2019]
  • Exhibit 09-05 Quarterly Table: Capital One U.S. Credit/Charge Card Gross (Open) Accounts [2015-2019]
  • Exhibit 09-06 Quarterly Table: Bank of America U.S. Credit/Charge Card Gross (Open) Accounts [2015-2019]
  • Exhibit 09-07 Quarterly Table: Citibank U.S. Credit/Charge Card Gross (Open) Accounts [2015-2019]

Part 10 - Four Largest U.S. Credit/Charge Card Issuers U.S. Active (Sales) Accounts

  • Exhibit 10-01 Quarterly Summary/Analysis: Four Largest U.S. Credit/Charge Card Issuers U.S. U.S. Active (Sales) Accounts [2015-2019]
  • Exhibit 10-02 Quarterly Current/Historical Table: Four Largest U.S. Credit/Charge Card Issuers U.S. U.S. Active (Sales) Accounts [2015-2019]
  • Exhibit 10-03 Annual Current/Projections Table: Four Largest U.S. Credit/Charge Card Issuers U.S. U.S. Active (Sales) Accounts [2015-2025]
  • Exhibit 10-04 Quarterly Table: Chase U.S. Credit/Charge U.S. Active (Sales) Accounts [2015-2019]
  • Exhibit 10-05 Quarterly Table: Capital One U.S. Credit/Charge Card U.S. Active (Sales) Accounts [2015-2019]
  • Exhibit 10-06 Quarterly Table: Bank of America U.S. Credit/Charge Card U.S. Active (Sales) Accounts [2015-2019]
  • Exhibit 10-07 Quarterly Table: Citibank U.S. Credit/Charge Card U.S. Active (Sales) Accounts [2015-2019]

Part 11 - Four Largest U.S. Credit/Charge Card Issuers U.S. Cards-in-Force

  • Exhibit 11-01 Quarterly Summary/Analysis: Four Largest U.S. Credit/Charge Card Issuers U.S. Cards-in-Force [2015-2019]
  • Exhibit 11-02 Quarterly Current/Historical Table: Four Largest U.S. Credit/Charge Card Issuers U.S. Cards-in-Force [2015-2019]
  • Exhibit 11-03 Annual Current/Projections Table: Four Largest U.S. Credit/Charge Card Issuers U.S. Cards-in-Force [2015-2025]
  • Exhibit 11-04 Quarterly Table: Chase U.S. Credit/Charge Card Cards-in-Force [2015-2019]
  • Exhibit 11-05 Quarterly Table: Capital One U.S. Credit/Charge Card Cards-in-Force [2015-2019]
  • Exhibit 11-06 Quarterly Table: Bank of America U.S. Credit/Charge Card Cards-in-Force [2015-2019]
  • Exhibit 11-07 Quarterly Table: Citibank U.S. Credit/Charge Card Cards-in-Force [2015-2019]

Part 12 - Four Largest U.S. Credit/Charge Card Issuers U.S. Card 30+ Day Delinquency  

  • Exhibit 12-01 Quarterly Summary/Analysis: Four Largest U.S. Credit/Charge Card Issuers U.S. Card 30+ Day Delinquency (%)  [2015-2019]
  • Exhibit 12-02 Quarterly Current/Historical Table: Four Largest U.S. Credit/Charge Card Issuers U.S. 30+ Day Delinquency (%)[2015-2019]
  • Exhibit 12-03 Annual Current/Projections Table: Four Largest U.S. Credit/Charge Card Issuers U.S. 30+ Day Delinquency (%) [2015-2025]
  • Exhibit 12-04 Quarterly Table: Chase U.S. Credit/Charge Card 30+ Day Delinquency (%) [2015-2019]
  • Exhibit 12-05 Quarterly Table: Capital One U.S. Credit/Charge Card 30+ Day Delinquency (%) [2015-2019]
  • Exhibit 12-06 Quarterly Table: Bank of America U.S. Credit/Charge Card 30+ Day Delinquency (%) [2015-2019]
  • Exhibit 12-07 Quarterly Table: Citibank U.S. Credit/Charge Card 30+ Day Delinquency (%) [2015-2019]

Part 13 - Four Largest U.S. Credit/Charge Card Issuers U.S. Card 90+ Day Delinquency

  • Exhibit 13-01 Quarterly Summary/Analysis: Four Largest U.S. Credit/Charge Card Issuers U.S. Card 90+ Day Delinquency (%)  [2015-2019]
  • Exhibit 13-02 Quarterly Current/Historical Table: Four Largest U.S. Credit/Charge Card Issuers U.S. 90+ Day Delinquency (%)[2015-2019]
  • Exhibit 13-03 Annual Current/Projections Table: Four Largest U.S. Credit/Charge Card Issuers U.S. 90+ Day Delinquency (%) [2015-2025]
  • Exhibit 13-04 Quarterly Table: Chase U.S. Credit/Charge Card 90+ Day Delinquency (%) [2015-2019]
  • Exhibit 13-05 Quarterly Table: Capital One U.S. Credit/Charge Card 90+ Day Delinquency (%) [2015-2019]
  • Exhibit 13-06 Quarterly Table: Bank of America U.S. Credit/Charge Card 90+ Day Delinquency (%) [2015-2019]
  • Exhibit 13-07 Quarterly Table: Citibank U.S. Credit/Charge Card 90+ Day Delinquency (%) [2015-2019]

Part 14 - Four Largest U.S. Credit/Charge Card Issuers U.S. Card Charge-Offs

  • Exhibit 14-01 Quarterly Summary/Analysis: Four Largest U.S. Credit/Charge Card Issuers U.S. Card Charge-Offs (%) [2015-2019]
  • Exhibit 14-02 Quarterly Current/Historical Table: Four Largest U.S. Credit/Charge Card Issuers U.S. Card Charge-Offs (%) [2015-2019]
  • Exhibit 14-03 Annual Current/Projections Table: Four Largest U.S. Credit/Charge Card Issuers U.S. Card Charge-Offs [2015-2025]
  • Exhibit 14-04 Quarterly Table: Chase U.S. Credit/Charge Card Charge-Offs (%) [2015-2019]
  • Exhibit 14-05 Quarterly Table: Capital One U.S. Credit/Charge Card Charge-Offs (%) [2015-2019]
  • Exhibit 14-06 Quarterly Table: Bank of America U.S. Credit/Charge Card Charge-Offs (%) [2015-2019]
  • Exhibit 14-07 Quarterly Table: Citibank U.S. Credit/Charge Card Charge-Offs (%) [2015-2019]

Part 15 - Four Largest U.S. Credit/Charge Card Issuers U.S. Card Portfolio Yield

  • Exhibit 15-01 Quarterly Summary/Analysis: Four Largest U.S. Credit/Charge Card Issuers U.S. Card Portfolio Yield (%) [2015-2019]
  • Exhibit 15-02 Quarterly Current/Historical Table: Four Largest U.S. Credit/Charge Card Issuers U.S. Card Portfolio Yield (%) [2015-2019]
  • Exhibit 15-03 Annual Current/Projections Table: Four Largest U.S. Credit/Charge Card Issuers U.S. Card Portfolio Yield [2015-2025]
  • Exhibit 15-04 Quarterly Table: Chase U.S. Credit/Charge Card Portfolio Yield (%) [2015-2019]
  • Exhibit 15-05 Quarterly Table: Capital One U.S. Credit/Charge Card Portfolio Yield (%) [2015-2019]
  • Exhibit 15-06 Quarterly Table: Bank of America U.S. Credit/Charge Card Portfolio Yield (%) [2015-2019]
  • Exhibit 15-07 Quarterly Table: Citibank U.S. Credit/Charge Card Portfolio Yield (%) [2015-2019]

Part 16 - Four Largest U.S. Credit/Charge Card Issuers U.S. Card Marketshare/ Purchase Dollar Volume

  • Exhibit 16-01 Quarterly Summary/Analysis: Four Largest U.S. Credit/Charge Card Issuers U.S. Card Marketshare/Purchase Dollar Volume (%) [2015-2019]
  • Exhibit 16-02 Quarterly Current/Historical Table: Four Largest U.S. Credit/Charge Card Issuers U.S. Card Marketshare/Purchase Dollar Volume (%) [2015-2019]
  • Exhibit 16-03 Annual Current/Projections Table: Four Largest U.S. Credit/Charge Card Issuers U.S. Card Marketshare/Purchase Dollar Volume [2015-2025]
  • Exhibit 16-04 Quarterly Table: Visa + Mastercard U.S. Credit/Charge Card Purchase Dollar Volume ($US) [2015-2019]
  • Exhibit 16-05 Quarterly Table: Chase U.S. Credit/Charge Card Purchase Dollar Volume ($US) [2015-2019]
  • Exhibit 16-06 Quarterly Table: Capital One U.S. Credit/Charge Card Purchase Dollar Volume ($US) [2015-2019]
  • Exhibit 16-07 Quarterly Table: Bank of America U.S. Credit/Charge Purchase Dollar Volume ($US) [2015-2019]
  • Exhibit 16-08 Quarterly Table: Citibank U.S. Credit/Charge Card Purchase Dollar Volume ($US) [2015-2019]

Part 17 - Four Largest U.S. Credit/Charge Card Issuers U.S. Card Profit/Loss

  • Exhibit 17-01 Quarterly Summary/Analysis: Four Largest U.S. Credit/Charge Card Issuers U.S. Card Profit/Loss ($US) [2015-2019]
  • Exhibit 17-02 Quarterly Current/Historical Table: Four Largest U.S. Credit/Charge Card Issuers U.S. Card Profit/Loss ($US) [2015-2019]
  • Exhibit 17-03 Annual Current/Projections Table: Four Largest U.S. Credit/Charge Card Issuers U.S. Card Profit/Loss ($US) [2015-2025]
  • Exhibit 17-04 Quarterly Table: Chase U.S. Credit/Charge Card Profit/Loss ($US) [2015-2019]
  • Exhibit 17-05 Quarterly Table: Capital One U.S. Credit/Charge Card Profit/Loss ($US) [2015-2019]
  • Exhibit 17-06 Quarterly Table: Bank of America U.S. Credit/Charge Card Profit/Loss ($US) [2015-2019]
  • Exhibit 17-07 Quarterly Table: Citibank U.S. Credit/Charge Card Profit/Loss ($US) [2015-2019]

SECTION C: U.S. Visa + Mastercard Peer Group

Part 18 - Visa + Mastercard U.S. Payment Card (credit+charge+debit+prepaid) Gross Dollar Volume ($US)

  • Exhibit 18-01 Quarterly Summary/Analysis: Visa + Mastercard U.S. Payment Card Gross Dollar Volume ($US) [2015-2019]  
  • Exhibit 18-02 Quarterly Current/Historical Table: Visa + Mastercard U.S. Payment Card Gross Dollar Volume ($US) [2015-2019]
  • Exhibit 18-03 Annual Current/Projections Table: Visa + Mastercard U.S. Payment Card Gross Dollar Volume ($US) [2015-2025]
  • Exhibit 18-04 Quarterly Table: Visa + Mastercard U.S. Credit/Charge Card Gross Dollar Volume ($US) [2015-2019]
  • Exhibit 18-05 Quarterly Table: Visa + Mastercard U.S. Debit/Prepaid Card Gross Dollar Volume ($US) [2015-2019]
  • Exhibit 18-06 Quarterly Table: Visa U.S. Credit/Charge Card Gross Dollar Volume ($US) [2015-2019]
  • Exhibit 18-07 Quarterly Table: Mastercard U.S. Credit/Charge Card Gross Dollar Volume ($US) [2015-2019]
  • Exhibit 18-08 Quarterly Table: Visa U.S. Debit/Prepaid Card Gross Dollar Volume ($US) [2015-2019]
  • Exhibit 18-09 Quarterly Table: Mastercard U.S. Debit/Prepaid Card Gross Dollar Volume ($US) [2015-2019]

Part 19 - Visa + Mastercard U.S. Payment Card (credit+charge+debit+prepaid) Purchase Dollar Volume ($US)

  • Exhibit 19-01 Quarterly Summary/Analysis: Visa + Mastercard U.S. Payment Card Purchase Dollar Volume ($US) [2015-2019]  
  • Exhibit 19-02 Quarterly Current/Historical Table: Visa + Mastercard U.S. Payment Card Purchase Dollar Volume ($US) [2015-2019]
  • Exhibit 19-03 Annual Current/Projections Table: Visa + Mastercard U.S. Payment Card Purchase Dollar Volume ($US) [2015-2025]
  • Exhibit 19-04 Quarterly Table: Visa + Mastercard U.S. Credit/Charge Card Purchase Dollar Volume ($US) [2015-2019]
  • Exhibit 19-05 Quarterly Table: Visa + Mastercard U.S. Debit/Prepaid Card Purchase Dollar Volume ($US) [2015-2019]
  • Exhibit 19-06 Quarterly Table: Visa U.S. Credit/Charge Card Purchase Dollar Volume ($US) [2015-2019]
  • Exhibit 19-07 Quarterly Table: Mastercard U.S. Credit/Charge Card Purchase Dollar Volume ($US) [2015-2019]
  • Exhibit 19-08 Quarterly Table: Visa U.S. Debit/Prepaid Card Purchase Dollar Volume ($US) [2015-2019]
  • Exhibit 19-09 Quarterly Table: Mastercard U.S. Debit/Prepaid Card Purchase Dollar Volume ($US) [2015-2019]

Part 20 - Visa + Mastercard U.S. Payment Card (credit+charge+debit+prepaid) Cash Dollar Volume ($US)

  • Exhibit 20-01 Quarterly Summary/Analysis: Visa + Mastercard U.S. Payment Card Cash Dollar Volume ($US) [2015-2019]  
  • Exhibit 20-02 Quarterly Current/Historical Table: Visa + Mastercard U.S. Payment Card Cash Dollar Volume ($US) [2015-2019]
  • Exhibit 20-03 Annual Current/Projections Table: Visa + Mastercard U.S. Payment Card Cash Dollar Volume ($US) [2015-2025]
  • Exhibit 20-04 Quarterly Table: Visa + Mastercard U.S. Credit/Charge Card Cash Dollar Volume ($US) [2015-2019]
  • Exhibit 20-05 Quarterly Table: Visa + Mastercard U.S. Debit/Prepaid Card Cash Dollar Volume ($US) [2015-2019]
  • Exhibit 20-06 Quarterly Table: Visa U.S. Credit/Charge Card Cash Dollar Volume ($US) [2015-2019]
  • Exhibit 20-07 Quarterly Table: Mastercard U.S. Credit/Charge Card Cash Dollar Volume ($US) [2015-2019]
  • Exhibit 20-08 Quarterly Table: Visa U.S. Debit/Prepaid Card Cash Dollar Volume ($US) [2015-2019]
  • Exhibit 20-09 Quarterly Table: Mastercard U.S. Debit/Prepaid Card Cash Dollar Volume ($US) [2015-2019]

Part 21 - Visa + Mastercard U.S. Payment Card (credit+charge+debit+prepaid) Gross (Open) Accounts [2015-2019]

  • Exhibit 21-01 Quarterly Summary/Analysis: Visa + Mastercard U.S. Payment Card Gross (Open) Accounts [2015-2019]  
  • Exhibit 21-02 Quarterly Current/Historical Table: Visa + Mastercard U.S. Payment Card Gross (Open) Accounts  [2015-2019]
  • Exhibit 21-03 Annual Current/Projections Table: Visa + Mastercard U.S. Payment Card Gross (Open) Accounts [2015-2025]
  • Exhibit 21-04 Quarterly Table: Visa + Mastercard U.S. Credit/Charge Card Gross (Open) Accounts [2015-2019]
  • Exhibit 21-05 Quarterly Table: Visa + Mastercard U.S. Debit/Prepaid Card Gross (Open) Accounts [2015-2019]
  • Exhibit 21-06 Quarterly Table: Visa U.S. Credit/Charge Card Gross (Open) Accounts [2015-2019]
  • Exhibit 21-07 Quarterly Table: Mastercard U.S. Credit/Charge Card Gross (Open) Accounts [2015-2019]
  • Exhibit 21-08 Quarterly Table: Visa U.S. Debit/Prepaid Card Gross (Open) Accounts [2015-2019]
  • Exhibit 21-09 Quarterly Table: Mastercard U.S. Debit/Prepaid Card Gross (Open) Accounts [2015-2019]

Part 22 - Visa + Mastercard U.S. Payment Card (credit+charge+debit+prepaid) Cards-in-Force [2015-2019]

  • Exhibit 22-01 Quarterly Summary/Analysis: Visa + Mastercard U.S. Payment Card Cards-in-Force [2015-2019]
  • Exhibit 22-02 Quarterly Current/Historical Table: Visa + Mastercard U.S. Payment Card Cards-in-Force [2015-2019]
  • Exhibit 22-03 Annual Current/Projections Table: Visa + Mastercard U.S. Payment Card Cards-in-Force [2015-2025]
  • Exhibit 22-04 Quarterly Table: Visa + Mastercard U.S. Credit/Charge Card Cards-inForce [2015-2019]
  • Exhibit 22-05 Quarterly Table: Visa + Mastercard U.S. Debit/Prepaid Card Cards-inForce [2015-2019]
  • Exhibit 22-06 Quarterly Table: Visa U.S. Credit/Charge Card Cards-in-Force [2015-2019]
  • Exhibit 22-07 Quarterly Table: Mastercard U.S. Credit/Charge Card Cards-in-Force [2015-2019]
  • Exhibit 22-08 Quarterly Table: Visa U.S. Debit/Prepaid Card Cards-in-Force [2015-2019]
  • Exhibit 22-09 Quarterly Table: Mastercard U.S. Debit/Prepaid Card Cards-in-Force [2015-2019]

Part 23 - Visa + Mastercard U.S. Payment Card (credit+charge+debit+prepaid) Gross Transactions [2015-2019]

  • Exhibit 23-01 Quarterly Summary/Analysis: Visa + Mastercard U.S. Payment Card Gross Transactions [2015-2019]  
  • Exhibit 23-02 Quarterly Current/Historical Table: Visa + Mastercard U.S. Payment Card Gross Transactions [2015-2019]
  • Exhibit 23-03 Annual Current/Projections Table: Visa + Mastercard U.S. Payment Card Gross Transactions [2015-2025]
  • Exhibit 23-04 Quarterly Table: Visa + Mastercard U.S. Credit/Charge Card Gross Transactions [2015-2019]
  • Exhibit 23-05 Quarterly Table: Visa + Mastercard U.S. Debit/Prepaid Card Gross Transactions [2015-2019]
  • Exhibit 23-06 Quarterly Table: Visa U.S. Credit/Charge Card Gross Transactions [2015-2019]
  • Exhibit 23-07 Quarterly Table: Mastercard U.S. Credit/Charge Card Gross Transactions [2015-2019]
  • Exhibit 23-08 Quarterly Table: Visa U.S. Debit/Prepaid Card Gross Transactions [2015-2019]
  • Exhibit 23-09 Quarterly Table: Mastercard U.S. Debit/Prepaid Card Gross Transactions [2015-2019]

Part 24 - Visa + Mastercard U.S. Payment Card (credit+charge+debit+prepaid) Purchase Transactions [2015-2019]

  • Exhibit 24-01 Quarterly Summary/Analysis: Visa + Mastercard U.S. Payment Card Purchase Transactions [2015-2019]  
  • Exhibit 24-02 Quarterly Current/Historical Table: Visa + Mastercard U.S. Payment Card Purchase Transactions [2015-2019]
  • Exhibit 24-03 Annual Current/Projections Table: Visa + Mastercard U.S. Payment Card Purchase Transactions [2015-2025]
  • Exhibit 24-04 Quarterly Table: Visa + Mastercard U.S. Credit/Charge Card Purchase Transactions [2015-2019]
  • Exhibit 24-05 Quarterly Table: Visa + Mastercard U.S. Debit/Prepaid Card Purchase Transactions [2015-2019]
  • Exhibit 24-06 Quarterly Table: Visa U.S. Credit/Charge Card Purchase Transactions [2015-2019]
  • Exhibit 24-07 Quarterly Table: Mastercard U.S. Credit/Charge Card Purchase Transactions [2015-2019]
  • Exhibit 24-08 Quarterly Table: Visa U.S. Debit/Prepaid Card Purchase Transactions [2015-2019]
  • Exhibit 24-09 Quarterly Table: Mastercard U.S. Debit/Prepaid Card Purchase Transactions [2015-2019]

Part 25 - Visa + Mastercard U.S. Payment Card (credit+charge+debit+prepaid) Cash Transactions [2015-2019]

  • Exhibit 25-01 Quarterly Summary/Analysis: Visa + Mastercard U.S. Payment Card Cash Transactions [2015-2019]  
  • Exhibit 25-02 Quarterly Current/Historical Table: Visa + Mastercard U.S. Payment Card Cash Transactions [2015-2019]
  • Exhibit 25-03 Annual Current/Projections Table: Visa + Mastercard U.S. Payment Card Cash Transactions [2015-2025]
  • Exhibit 25-04 Quarterly Table: Visa + Mastercard U.S. Credit/Charge Card Cash Transactions [2015-2019]
  • Exhibit 25-05 Quarterly Table: Visa + Mastercard U.S. Debit/Prepaid Card Cash Transactions [2015-2019]
  • Exhibit 25-06 Quarterly Table: Visa U.S. Credit/Charge Card Cash Transactions [2015-2019]
  • Exhibit 25-07 Quarterly Table: Mastercard U.S. Credit/Charge Card Cash Transactions [2015-2019]
  • Exhibit 25-08 Quarterly Table: Visa U.S. Debit/Prepaid Card Cash Transactions [2015-2019]
  • Exhibit 25-09 Quarterly Table: Mastercard U.S. Debit/Prepaid Card Cash Transactions [2015-2019]

SECTION D: U.S. Issuer + Network Peer Group

Part 26 - Four Largest Issuers + Two Network/Issuers U.S. Credit/Charge Card U.S. Gross Dollar Volume

  • Exhibit 26-01 Quarterly Summary/Analysis: Four Largest U.S. Credit/Charge Card Issuers U.S. Gross Dollar Volume ($US) [2015-2019]
  • Exhibit 26-02 Quarterly Current/Historical Table: Four Largest U.S. Credit/Charge Card Issuers U.S. Gross Dollar Volume ($US) [2015-2019]
  • Exhibit 26-03 Annual Current/Projections Table: Four Largest U.S. Credit/Charge Card Issuers U.S. Gross Dollar Volume ($US) [2015-2025]
  • Exhibit 26-04 Quarterly Table: Chase U.S. Credit/Charge Card Gross Dollar Volume ($US) [2015-2019]
  • Exhibit 26-05 Quarterly Table: Capital One U.S. Credit/Charge Card Gross Dollar Volume ($US) [2015-2019]
  • Exhibit 26-06 Quarterly Table: Bank of America U.S. Credit/Charge Card Gross Dollar Volume ($US) [2015-2019]
  • Exhibit 26-07 Quarterly Table: Citibank U.S. Credit/Charge Card Gross Dollar Volume ($US) [2015-2019]
  • Exhibit 26-08 Quarterly Table: American Express U.S. Credit/Charge Card Gross Dollar Volume ($US) [2015-2019]
  • Exhibit 26-09 Quarterly Table: Discover U.S. Credit/Charge Card Gross Dollar Volume ($US) [2015-2019]

Part 27 - Four Largest Issuers + Two Network/Issuers U.S. Credit/Charge Card U.S. Purchase Dollar Volume  

  • Exhibit 27-01 Quarterly Summary/Analysis: Four Largest Issuers + Two Network/ Issuers U.S. Credit/Charge Card Purchase Dollar Volume ($US) [2015-2019]
  • Exhibit 27-02 Quarterly Current/Historical Table: Four Largest Issuers + Two Network/ Issuers U.S. Credit/Charge Card U.S. Purchase Dollar Volume ($US) [2015-2019]
  • Exhibit 27-03 Annual Current/Projections Table: Four Largest Issuers + Two Network/ Issuers U.S. Credit/Charge Card Purchase Dollar Volume ($US) [2015-2025]
  • Exhibit 27-04 Quarterly Table: Chase U.S. Credit/Charge Card Purchase Dollar Volume ($US) [2015-2019]
  • Exhibit 27-05 Quarterly Table: Capital One U.S. Credit/Charge Card Purchase Dollar Volume ($US) [2015-2019]
  • Exhibit 27-06 Quarterly Table: Bank of America U.S. Credit/Charge Card Purchase Dollar Volume ($US) [2015-2019]
  • Exhibit 27-07 Quarterly Table: Citibank U.S. Credit/Charge Card Purchase Dollar Volume ($US) [2015-2019]
  • Exhibit 27-08 Quarterly Table: American Express U.S. Credit/Charge Card Purchase Dollar Volume ($US) [2015-2019]
  • Exhibit 27-09 Quarterly Table: Discover U.S. Credit/Charge Card Purchase Dollar Volume ($US) [2015-2019]

Part 28 - Four Largest Issuers + Two Network/Issuers U.S. Credit/Charge Card U.S. End-of-Period Outstandings  

  • Exhibit 28-01 Quarterly Summary/Analysis: Four Largest Issuers + Two Network/ Issuers U.S. Credit/Charge Card U.S. End-of-Period Outstandings ($US) [2015-2019]
  • Exhibit 28-02 Quarterly Current/Historical Table: Four Largest Issuers + Two Network/ Issuers U.S. Credit/Charge Card U.S. End-of-Period Outstandings ($US) [2015-2019]
  • Exhibit 28-03 Annual Current/Projections Table: Four Largest Issuers + Two Network/ Issuers U.S. Credit/Charge Card U.S. End-of-Period Outstandings ($US) [2015-2025]
  • Exhibit 28-04 Quarterly Table: Chase U.S. Credit/Charge Card End-of-Period Outstandings ($US) [2015-2019]
  • Exhibit 28-05 Quarterly Table: Capital One U.S. Credit/Charge Card End-of-Period Outstandings ($US) [2015-2019]
  • Exhibit 28-06 Quarterly Table: Bank of America U.S. Credit/Charge Card End-of-Period Outstandings ($US) [2015-2019]
  • Exhibit 28-07 Quarterly Table: Citibank U.S. Credit/Charge Card End-of-Period Outstandings ($US) [2015-2019]
  • Exhibit 28-08 Quarterly Table: American Express U.S. Credit/Charge Card End-of-Period Outstandings ($US) [2015-2019]
  • Exhibit 28-09 Quarterly Table: Discover U.S. Credit/Charge Card End-of-Period Outstandings ($US) [2015-2019]

Part 29 - Four Largest Issuers + Two Network/Issuers U.S. Credit/Charge Card U.S. Gross (Open) Accounts  

  • Exhibit 29-01 Quarterly Summary/Analysis: Four Largest Issuers + Two Network/ Issuers U.S. Credit/Charge Card U.S. Gross (Open) Accounts [2015-2019]
  • Exhibit 29-02 Quarterly Current/Historical Table: Four Largest Issuers + Two Network/ Issuers U.S. Credit/Charge Card U.S. Gross (Open) Accounts [2015-2019]
  • Exhibit 29-03 Annual Current/Projections Table: Four Largest Issuers + Two Network/ Issuers U.S. Credit/Charge Card U.S. Gross (Open) Accounts [2015-2025]
  • Exhibit 29-04 Quarterly Table: Chase U.S. Credit/Charge Gross (Open) Accounts [2015-2019]
  • Exhibit 29-05 Quarterly Table: Capital One U.S. Credit/Charge Card Gross (Open) Accounts [2015-2019]
  • Exhibit 29-06 Quarterly Table: Bank of America U.S. Credit/Charge Card Gross (Open) Accounts [2015-2019]
  • Exhibit 29-07 Quarterly Table: Citibank U.S. Credit/Charge Card Gross (Open) Accounts [2015-2019]
  • Exhibit 29-08 Quarterly Table: American Express U.S. Credit/Charge Card Gross (Open) Accounts [2015-2019]
  • Exhibit 29-09 Quarterly Table: Discover U.S. Credit/Charge Card Gross (Open) Accounts [2015-2019]

Part 30 - Four Largest Issuers + Two Network/Issuers U.S. Credit/Charge Card U.S. Active (Sales) Accounts

  • Exhibit 30-01 Quarterly Summary/Analysis: Four Largest Issuers + Two Network/ Issuers U.S. Credit/Charge Card U.S. U.S. Active (Sales) Accounts [2015-2019]
  • Exhibit 30-02 Quarterly Current/Historical Table: Four Largest Issuers + Two Network/ Issuers U.S. Credit/Charge Card U.S. U.S. Active (Sales) Accounts [2015-2019]
  • Exhibit 30-03 Annual Current/Projections Table: Four Largest Issuers + Two Network/ Issuers U.S. Credit/Charge Card U.S. Active (Sales) Accounts [2015-2025]
  • Exhibit 30-04 Quarterly Table: Chase U.S. Credit/Charge U.S. Active (Sales) Accounts [2015-2019]
  • Exhibit 30-05 Quarterly Table: Capital One U.S. Credit/Charge Card U.S. Active (Sales) Accounts [2015-2019]
  • Exhibit 30-06 Quarterly Table: Bank of America U.S. Credit/Charge Card U.S. Active (Sales) Accounts [2015-2019]
  • Exhibit 30-07 Quarterly Table: Citibank U.S. Credit/Charge Card U.S. Active (Sales) Accounts [2015-2019]
  • Exhibit 30-08 Quarterly Table: American Express U.S. Credit/Charge Card U.S. Active (Sales) Accounts [2015-2019] Exhibit 30-09 Quarterly Table: Discover U.S. Credit/Charge Card U.S. Active (Sales) Accounts [2015-2019]

Part 31 - Four Largest Issuers + Two Network/Issuers U.S. Credit/Charge Card U.S. Cards-in-Force  

  • Exhibit 31-01 Quarterly Summary/Analysis: Four Largest Issuers + Two Network/ Issuers U.S. Credit/Charge Card U.S. Cards-in-Force [2015-2019]
  • Exhibit 31-02 Quarterly Current/Historical Table: Four Largest Issuers + Two Network/ Issuers U.S. Credit/Charge Card U.S. Cards-in-Force [2015-2019]
  • Exhibit 31-03 Annual Current/Projections Table: Four Largest Issuers + Two Network/ Issuers U.S. Credit/Charge Card U.S. Cards-in-Force [2015-2025]
  • Exhibit 31-04 Quarterly Table: Chase U.S. Credit/Charge Card Cards-in-Force [2015-2019]
  • Exhibit 31-05 Quarterly Table: Capital One U.S. Credit/Charge Card Cards-in-Force [2015-2019]
  • Exhibit 31-06 Quarterly Table: Bank of America U.S. Credit/Charge Card Cards-in-Force [2015-2019]
  • Exhibit 31-07 Quarterly Table: Citibank U.S. Credit/Charge Card Cards-in-Force [2015-2019]
  • Exhibit 31-08 Quarterly Table: American Express U.S. Credit/Charge Card Cards-in-Force [2015-2019]
  • Exhibit 31-09 Quarterly Table: Discover U.S. Credit/Charge Card Cards-in-Force [2015-2019]

Part 32 - Four Largest Issuers + Two Network/Issuers U.S. Credit/Charge Card U.S. 30+ Day Delinquency

  • Exhibit 32-01 Quarterly Summary/Analysis: Four Largest Issuers + Two Network/ Issuers U.S. Credit/Charge Card U.S. 30+ Day Delinquency (%)  [2015-2019]
  • Exhibit 32-02 Quarterly Current/Historical Table: Four Largest Issuers + Two Network/ Issuers U.S. Credit/Charge Card U.S. 30+ Day Delinquency (%)[2015-2019]
  • Exhibit 32-03 Annual Current/Projections Table: Four Largest Issuers + Two Network/ Issuers U.S. Credit/Charge Card U.S. 30+ Day Delinquency (%) [2015-2025]
  • Exhibit 32-04 Quarterly Table: Chase U.S. Credit/Charge Card 30+ Day Delinquency (%) [2015-2019]
  • Exhibit 32-05 Quarterly Table: Capital One U.S. Credit/Charge Card 30+ Day Delinquency (%) [2015-2019]
  • Exhibit 32-06 Quarterly Table: Bank of America U.S. Credit/Charge Card 30+ Day Delinquency (%) [2015-2019]
  • Exhibit 32-07 Quarterly Table: Citibank U.S. Credit/Charge Card 30+ Day Delinquency (%) [2015-2019]
  • Exhibit 32-08 Quarterly Table: American Express U.S. Credit/Charge Card 30+ Day Delinquency (%) [2015-2019]
  • Exhibit 32-09 Quarterly Table: Discover U.S. Credit/Charge Card 30+ Day Delinquency (%) [2015-2019]

Part 33 - Four Largest Issuers + Two Network/Issuers U.S. Credit/Charge Card U.S. 90+ Day Delinquency  

  • Exhibit 33-01 Quarterly Summary/Analysis: Four Largest Issuers + Two Network/ Issuers U.S. Credit/Charge Card U.S. 90+ Day Delinquency (%)  [2015-2019]
  • Exhibit 33-02 Quarterly Current/Historical Table: Four Largest Issuers + Two Network/ Issuers U.S. Credit/Charge Card U.S. 90+ Day Delinquency (%)[2015-2019]
  • Exhibit 33-03 Annual Current/Projections Table: Four Largest Issuers + Two Network/ Issuers U.S. Credit/Charge Card U.S. 90+ Day Delinquency (%) [2015-2025]
  • Exhibit 33-04 Quarterly Table: Chase U.S. Credit/Charge Card 90+ Day Delinquency (%) [2015-2019]
  • Exhibit 33-05 Quarterly Table: Capital One U.S. Credit/Charge Card 90+ Day Delinquency (%) [2015-2019]
  • Exhibit 33-06 Quarterly Table: Bank of America U.S. Credit/Charge Card 90+ Day Delinquency (%) [2015-2019]
  • Exhibit 33-07 Quarterly Table: Citibank U.S. Credit/Charge Card 90+ Day Delinquency (%) [2015-2019]
  • Exhibit 33-08 Quarterly Table: American Express U.S. Credit/Charge Card 90+ Day Delinquency (%) [2015-2019]
  • Exhibit 33-09 Quarterly Table: Discover U.S. Credit/Charge Card 90+ Day Delinquency (%) [2015-2019]

Part 34 - Four Largest Issuers + Two Network/Issuers U.S. Credit/Charge Card U.S. Charge-Offs

  • Exhibit 34-01 Quarterly Summary/Analysis: Four Largest Issuers + Two Network/ Issuers U.S. Credit/Charge Card U.S. Charge-Offs (%) [2015-2019]
  • Exhibit 34-02 Quarterly Current/Historical Table: Four Largest Issuers + Two Network/ Issuers U.S. Credit/Charge Card U.S. Card Charge-Offs (%) [2015-2019]
  • Exhibit 34-03 Annual Current/Projections Table: Four Largest Issuers + Two Network/ Issuers U.S. Credit/Charge Card U.S. Charge-Offs [2015-2025]
  • Exhibit 34-04 Quarterly Table: Chase U.S. Credit/Charge Card Charge-Offs (%) [2015-2019]
  • Exhibit 34-05 Quarterly Table: Capital One U.S. Credit/Charge Card Charge-Offs (%) [2015-2019]
  • Exhibit 34-06 Quarterly Table: Bank of America U.S. Credit/Charge Card Charge-Offs (%) [2015-2019]
  • Exhibit 34-07 Quarterly Table: Citibank U.S. Credit/Charge Card Charge-Offs (%) [2015-2019]
  • Exhibit 34-08 Quarterly Table: American Express U.S. Credit/Charge Card Charge-Offs (%) [2015-2019]
  • Exhibit 34-09 Quarterly Table: Discover U.S. Credit/Charge Card Charge-Offs (%) [2015-2019]

Part 35 - Four Largest Issuers + Two Network/Issuers U.S. Credit/Charge Card U.S. Portfolio Yield

  • Exhibit 35-01 Quarterly Summary/Analysis: Four Largest Issuers + Two Network/ Issuers U.S. Credit/Charge Card U.S. Portfolio Yield (%) [2015-2019]
  • Exhibit 35-02 Quarterly Current/Historical Table: Four Largest Issuers + Two Network/ Issuers U.S. Credit/Charge Card U.S. Portfolio Yield (%) [2015-2019]
  • Exhibit 35-03 Annual Current/Projections Table: Four Largest Issuers + Two Network/ Issuers U.S. Credit/Charge Card U.S. Portfolio Yield [2015-2025]
  • Exhibit 35-04 Quarterly Table: Chase U.S. Credit/Charge Card Portfolio Yield (%) [2015-2019]
  • Exhibit 35-05 Quarterly Table: Capital One U.S. Credit/Charge Card Portfolio Yield (%) [2015-2019]
  • Exhibit 35-06 Quarterly Table: Bank of America U.S. Credit/Charge Card Portfolio Yield (%) [2015-2019]
  • Exhibit 35-07 Quarterly Table: Citibank U.S. Credit/Charge Card Portfolio Yield (%) [2015-2019]
  • Exhibit 35-08 Quarterly Table: Bank of America U.S. Credit/Charge Card Portfolio Yield (%) [2015-2019]
  • Exhibit 35-09 Quarterly Table: Citibank U.S. Credit/Charge Card Portfolio Yield (%) [2015-2019]

Part 36 - Four Largest Issuers + Two Network/Issuers U.S. Credit/Charge Card U.S. Marketshare/Purchase Dollar Volume

  • Exhibit 36-01 Quarterly Summary/Analysis: Four Largest Issuers + Two Network/ Issuers U.S. Credit/Charge Card U.S. Marketshare/Purchase Dollar Volume (%) [2015-2019]
  • Exhibit 36-02 Quarterly Current/Historical Table: Four Largest Issuers + Two Network/ Issuers U.S. Credit/Charge Card U.S. Marketshare/Purchase Dollar Volume (%) [2015-2019]
  • Exhibit 36-03 Annual Current/Projections Table: Four Largest Issuers + Two Network/ Issuers U.S. Credit/Charge Card U.S. Marketshare/Purchase Dollar Volume [2015-2025]
  • Exhibit 36-04 Quarterly Table: Visa + Mastercard U.S. Credit/Charge Card Purchase Dollar Volume ($US) [2015-2019]
  • Exhibit 36-05 Quarterly Table: Chase U.S. Credit/Charge Card Purchase Dollar Volume ($US) [2015-2019]
  • Exhibit 36-06 Quarterly Table: Capital One U.S. Credit/Charge Card Purchase Dollar Volume ($US) [2015-2019]
  • Exhibit 36-07 Quarterly Table: Bank of America U.S. Credit/Charge Purchase Dollar Volume ($US) [2015-2019]
  • Exhibit 36-08 Quarterly Table: Citibank U.S. Credit/Charge Card Purchase Dollar Volume ($US) [2015-2019]
  • Exhibit 36-09 Quarterly Table: American Express U.S. Credit/Charge Purchase Dollar Volume ($US) [2015-2019]
  • Exhibit 36-10 Quarterly Table: Discover U.S. Credit/Charge Card Purchase Dollar Volume ($US) [2015-2019]

Part 37 - Four Largest Issuers + Two Network/Issuers U.S. Credit/Charge Card Largest U.S. Profit/Loss

  • Exhibit 37-01 Quarterly Summary/Analysis: Four Largest Issuers + Two Network/ Issuers U.S. Credit/Charge Card U.S. Profit/Loss ($US) [2015-2019]
  • Exhibit 37-02 Quarterly Current/Historical Table: Four Largest Issuers + Two Network/ Issuers U.S. Credit/Charge Card U.S. Profit/Loss ($US) [2015-2019]
  • Exhibit 37-03 Annual Current/Projections Table: Four Largest Issuers + Two Network/ Issuers U.S. Credit/Charge Card U.S. Profit/Loss ($US) [2015-2025]
  • Exhibit 37-04 Quarterly Table: Chase U.S. Credit/Charge Card Profit/Loss ($US) [2015-2019]
  • Exhibit 37-05 Quarterly Table: Capital One U.S. Credit/Charge Card Profit/Loss ($US) [2015-2019]
  • Exhibit 37-06 Quarterly Table: Bank of America U.S. Credit/Charge Card Profit/Loss ($US) [2015-2019]
  • Exhibit 37-07 Quarterly Table: Citibank U.S. Credit/Charge Card Profit/Loss ($US) [2015-2019]
  • Exhibit 37-08 Quarterly Table: American Express U.S. Credit/Charge Card Profit/Loss ($US) [2015-2019]
  • Exhibit 37-09 Quarterly Table: Discover U.S. Credit/Charge Card Profit/Loss ($US) [2015-2019]

SECTION E: U.S. Top 50 Issuers

Part 38 - U.S. Top 50 Issuers Credit/Charge Card

  • Exhibit 38-01 Annual Summary/Analysis: Top 50 Issuers Ranked by U.S. Credit/Charge Card Outstandings ($US) [2019]
  • Exhibit 38-02 Annual Summary/Analysis: Top 50 Issuers Ranked by U.S. Credit/Charge Card Purchase Volume ($US) [2019]

SECTION F: U.S. Top 100 Issuers

Part 39 - Top 100 Banks Quarterly U.S. Credit Card 30+ Day Delinquency

  • Exhibit 39-01 Top 100 Banks Quarterly Credit Card 30+ Day Delinquency Ratio (Seasonally Adjusted)
  • Exhibit 39-02 Top 100 Banks Quarterly Credit Card 30+ Day Delinquency Ratio (Not Seasonally Adjusted)

Part 40 - Top 100 Banks Quarterly U.S. Credit Card Charge-Offs

  • Exhibit 40-01 Top 100 Banks Quarterly Credit Card Charge-Off Ratio (Seasonally Adjusted) [2015-2019]
  • Exhibit 40-02 Top 100 Banks Quarterly Credit Card Charge-Off Ratio (Not Seasonally Adjusted) [2015-2019]

Part 41 - Top 100 Banks U.S. Credit Card Monthly Interest Rates

  • Exhibit 41-01 Top 100 Banks Annual Credit Card Nominal Interest Rates [1985-2019]
  • Exhibit 41-02 Top 100 Banks Annual Credit Card Assessed Interest Rates [1985-2019]
  • Exhibit 41-03 Top 100 Banks Annual Credit Card and Prime Rate Spread [1985-2019]
  • Exhibit 41-04 U.S. Prime Interest Rate Annual History [1985-2019]
  • Exhibit 41-05 Top 100 Banks Quarterly Credit Card Nominal Interest Rates [2017-2019]
  • Exhibit 41-06 Top 100 Banks Quarterly Credit Card Assessed Interest Rates [2017-2019]
  • Exhibit 41-07 U.S. Prime Interest Rate Quarterly History [2017-2019]

SECTION G: U.S. Consumer Statistics

Part 42 - U.S. Monthly Revolving Consumer Credit

  • Exhibit 42-01 U.S. Monthly Consumer Revolving Credit ($US) [2015-2019]
  • Exhibit 42-02 U.S. Monthly Consumer Revolving Credit (YOY/%) [2015-2019]

Part 43 - U.S. Quarterly Consumer Financial Obligations & Debt Service Ratio

  • Exhibit 43-01 U.S. Quarterly Consumer Financial Obligations Ratio [2015-2019]
  • Exhibit 43-02 U.S. Quarterly Consumer Debt Service Ratio [2015-2019]
Note: Product cover images may vary from those shown
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FEATURED COMPANIES

  • Alliance Data Systems
  • Bank of America
  • Barclays Bank
  • BECU
  • Capital One
  • Citibank
  • MORE

The U.S. payment card industry has reached the point of saturation of credit card products, the maturation of debit card products and the accelerating penetration of prepaid cards will produce unprecedented challenges in the next five years. Card issuers are also facing a likely downward global economic cycle in the 2021 to 2023 period, dampening U.S. consumer spending and personal debt aversion.

Regardless, opportunities abound in the U.S, marketplace with the integration of mobile apps and other financial technology (Fintech) to capture payment volume. Migrating current and future card products to less complex and lower cost rewards programs is inevitable. “Snippet” counter marketing of competitor weaknesses in basic card pricing in late payment, balance transfers, cash advances and foreign transactions will likely emerge.

While risk management will be the key to the mitigation of card metrics during the next few years including credit lines, opportunities exist to market consumer “friendly” debt management through minimum payment waivers and short-term interest rate reductions.

It is imperative for U.S. payment card issuers to thoroughly review the effectiveness of current marketing channels, stem the rising tide of account attrition rates pervasive among major portfolios. Internet marketing has become intrusive over the past five years, diminishing brand value via the aggressiveness of online marketing via third parties.

With a focus on the four largest payments networks and the four largest issuers in the U.S. credit, charge, debit, and prepaid card business, collectively representing the gorilla and lion of market share, this report:

  • Provides quarter-by-quarter data points from Q1 2015 through Q4 2019 of all basic and critical metrics of network and issuer operating performance
  • Furnishes annual portfolio operating performance for 2015 through 2019 and appropriately weighted performance annual projections for 2020 through 2025.
  • Presents over 300 exhibits and more than 5,000 data points to firmly establish individual and peer group momentum during a stable macro economy.
  • Appraises through 43 commentary reports voluntary attrition, involuntary attrition, average tickets, portfolio segmentation by credit score and product type, reward redemption rates, etc.
  • Evaluates portfolio segmentation by credit score and product type, reward redemption rates, fee development, demographics, new products and services, mobile apps and emerging payment technology.
  • Assess more than 50 individual U.S. bank credit card programs, including loans outstanding and purchase value, including a peer group snapshot of the Top 100 U.S. banks operating within the credit card segment.
  • Estimates the macro, micro trends and particularity of the U.S. payment card market and the likelihood of merger and acquisition activity through 2025.
Note: Product cover images may vary from those shown
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  • Alliance Data Systems
  • America First Credit Union
  • American Express
  • BBVA
  • BECU
  • BMO Harris Bank
  • Bank of America
  • Bank of the West
  • Barclays Bank
  • Capital One
  • Chase
  • Citibank
  • Discover
  • JPM Chase
  • Mastercard
  • Visa
Note: Product cover images may vary from those shown
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