Credit card penetration in 42 countries in Europe 2021

In 2021, the share of the adult population in European countries varied between eight percent in Albania to as high as 71 percent in Norway. Using a credit card allows the cardholder to pay for goods and services with the agreed promise to the card issuer that they will repay the amount borrowed either in installments or as a single payment. In Europe, the credit card is a less popular payment choice as compared to the debit card. Two horse raceIn Europe, there are two main credit card providers. Between Visa and Mastercard they make up over 90 percent of the purchase volume market share across Europe. In total, there are over 810 million payment cards across the continent. Credit card transaction valueWhen it comes to usage, there is one European country that is far more excepting of getting out the credit card. In 2017, the United Kingdom saw well over 190 billion euros in credit card transactions. This was more than six time the amount spent in France.

于2021年，欧洲各国成年人口持有信用卡的比例介于阿尔巴尼亚的百分之八至挪威的百分之七十一之间。持卡人通过使用信用卡，得以依约向发卡机构承诺以分期付款或一次性支付的方式偿还所借金额。在欧洲，相较于借记卡，信用卡作为一种支付手段并不那么受欢迎。在欧洲，信用卡市场主要由两家主要提供商所占据。Visa与Mastercard两大巨头共同占据了欧洲超过九十 percent 的购卡市场份额。整个欧洲大陆共有超过八亿一千万张支付卡。就信用卡交易额而言，在信用卡的使用方面，有一个欧洲国家远比其他国家更倾向于使用信用卡。2017年，英国信用卡交易额高达一千九百亿欧元，这一数字是法国消费金额的六倍以上。