Experian's Specialty Credit Bureau for BNPL

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Experian’s Specialty Credit Bureau for BNPL

When consumers make a purchase with a credit card, the purchase amount gets added to their existing outstanding debt on that card. That outstanding debt figure is not monitored in real time by Experian, Equifax and TransUnion, the big three U.S. credit bureaus. However, they typically see outstanding debt when issuers report “use of available credit” every month. Each new credit card transaction does not substantially impact a consumer’s credit score but it does have an impact. The higher the percentage of use of available credit, the more negative the impact on a credit score. This i...

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Nilson Report

1213

February 2022

Headlines in this Issue

Charts in this Issue

U.S. General Purpose Brands—Purchase Volume

U.S. General Purpose Cards—2021 with change vs. 2020

Market Shares of Purchase Volume on General Purpose Cards in the U.S.—2021

U.S. Credit Card Outstandings

General Purpose Credit Cards in the U.S.—2021 with change vs. 2020

Purchase Volume on Mastercard and Visa Credit and Debit Cards in the U.S.

Mastercard and Visa Cards in Circulation in the U.S.—2011 through 2021

Mastercard and Visa Credit, Debit & Prepaid Cards in the U.S.

Mastercard and Visa Debit and Prepaid Cards in the U.S.

Payment Industry Investments—2021

Investments & Acquisitions—January 2022

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