UK Credit Cards in 2025: Balances Reached New Highs While Payments Fell
Fair Isaac Corporation (FICO)
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Source: Business Wire
Persistent affordability pressures push up average balances despite lower spending as consumers actively curtail discretionary expenditure LONDON--(BUSINESS WIRE)--According to analysis of its credit card data for 2025 by global analytics software leader FICO (NYSE: FICO), there was a fundamental shift in market dynamics from traditional cyclical patterns to clear management of affordability challenges. The year was characterised by consumers struggling to manage existing debt levels, with average balances reaching record highs while payment rates fell.HighlightsThe upward trajectory of average balances was the defining trend of 2025, with year-on-year growth above 4.5% every month, reaching an all-time high of £1,950 in DecemberThere was also a deterioration in payment rates, with every month falling below 2024 levelsThe number of customers missing one payment dropped year-on-year, but the percentage of customers missing two and three payments trended upwards from May and June res
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