Oct
25
2012

Bankcard utilization rates declining, but still high for subprime

Not surprisingly, bankcard utilization is the highest among subprime consumers with VantageScore D and F tiers having average bankcard utilization rates of 68% and 81% respectively. In comparison, VantageScore A tier (super prime) consumers had an average bankcard utilization rate of 6% and VantageScore B tier (prime) consumers had an average bankcard utilization rate of 15%.

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Source: Experian Oliver Wyman Market Intelligence Reports.


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