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Credit card ownership rate in the selected countries globally 2017

A greater share of Canadians owned credit cards than any other country in the sample in 2017, with 83 percent having at least one credit card at that time. At the same time, fewer than one in ten Ecuadorians, Indians, and Filipinos having one.

Credit card usage

Cardholders use their credit cards for billions of purchase transactions per year. Some do this to avoid carrying cash around, while others carry out transactions. Many also use credit cards because they do not have to pay immediately. While this can help with monthly cash flow issues, it can also lead to credit card debt that can take years to pay off.

Regional differences in credit cards

Some counties have a culture of credit card usage. For example, the leading credit card companies in the United States have issued hundreds of millions of credit cards, more than the number of U.S. citizens. Other countries do not have the culture of non-cash transactions. Overcoming this requires both an investment in payment infrastructure and putting people in the habit of using cards instead of cash.

Share of individuals with credit cards in the selected countries worldwide as of 2017

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Release date

November 2017



Survey time period


Age group

15 years and older

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Statistics on "Credit cards worldwide"

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