Report
Published January 20, 2026
Credit & Economic Trends Economic & Market Insights
As the credit card landscape evolves, understanding how consumers and businesses are adapting has never been more important.
Our second annual State of Credit Cards Report provides a timely update on key market dynamics and dives into an often-overlooked segment within credit card portfolios: business accounts.
Key takeaways:
- 30+ DPD delinquency rates remained above pre-pandemic levels in 2025.
- Fintechs continue to gain share in the credit card market, posting a 71% YoY increase in account originations.
- Many businesses use consumer credit cards to support business-related activity, making this segment easy for lenders to overlook.
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Report
Energy Shock vs. Consumers
Consumers have powered the U.S. economy through repeated shocks, but new pressures are testing their resilience. As energy prices rise and economic conditions shift, the outlook is becoming more uncertain.
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- High equity exposure increases risk
Infographic
2026 H1 Alternative financial services trends snapshot: growth, risk and where it’s moving
Download the latest Alternative Financial Services Trend Report to reveal new insights on growth and risk, including:
- Loan volume is up 21% YoY across installment and single pay products
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- Returning borrowers grew 26.5% YoY in RTO/LTO
Webinar
Understanding the Consumer: Trends in Financial Behavior and Spending Patterns
Gain a clearer view of how consumers earn, spend, and manage their money in today’s evolving economic landscape. In this webinar, Experian experts break down the financial behaviors shaping demand, risk, and growth—using macroeconomic trends, credit data, and transaction-level cash flow insights.
- Key trends in spending, income stability, and cash flow
- What credit and cash flow signals reveal about your customers
- How to apply these insights to marketing, risk, and growth strategies
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Q1 2026 Lending Conditions Chartbook
The consumer credit market entered 2026 on stable footing, but rising uncertainty - from geopolitical conflict, energy costs, and interest rates - is reshaping the outlook for lenders and consumers alike. Explore what’s changing and what it means for your strategy.
- Delinquencies stabilizing, standards easing
- Rising costs pressuring consumer affordability
- New risks shaping lending growth outlook