Marqeta：2024年信贷状况报告（英文版）（28页）.pdf

1、Marqeta 2024State of Credit Report2Part 2Page 15Table of ContentsIntroductionPage 3ConclusionPage 25AddendumPage 26Part 3Page 19Part 1Page 4Credit cards are a lifeline in trying timesUnderstanding credit is essential for brandsConsumers want to be“wowed”by card brandsThe love em&leave em relationshi

2、p with cardsConsumers insatiable appetite for dynamic rewardsIntroductionPart 1Part 2Part 3ConclusionIndustry-specificcontext and insightsAddendum3Introduction72%of“satisfied”credit card users will still apply for a new card.In 2024,brands have an enormous opportunity to connect with credit card use

3、rs.Loyalty to individual cards is down,which means more consumers are now up for grabs.And brands that deploy cards with dynamic and personalized rewards will win.The stakes are high.A credit card is more than a simple financial instrument.That piece of plastic in your pocket or code in your digital

4、 wallet is a key that unlocks a world of possibilities in consumer engagement.It gives access to shopping and payment data,opportunities to sell other products,and delivers brand equity for the company with their name on the card.But,the competitive card environment and difficult economic conditions

5、 for consumers have made attracting and keeping customers harder in 2024.For Marqetas fourth annual State of Credit report,weve surveyed over 2,000 U.S.consumers and 1,000 U.K.consumers to understand how they are using credit in 2024 and how they are planning on using it in 2025.We undertake this su

6、rvey every year because we are bullish on credits role as a tool that helps responsible consumers manage their finances.We think credit cards are an instrument that can increase consumer loyalty to a brand and deepen the business relationship.And our findings were clear:There is a massive opportunit