<p xmlns="http://www.w3.org/1999/xhtml" class="bwalignc">
<i xmlns="http://www.w3.org/1999/xhtml">FI...

<p xmlns="http://www.w3.org/1999/xhtml" class="bwalignc">
<i xmlns="http://www.w3.org/1999/xhtml">FICO UK Credit Card Market Report for June 2026 identifies the need for increased vigilance on late payments by risk teams</i>

</p><p xmlns="http://www.w3.org/1999/xhtml">
As summer spending rose in June, credit card data analysis for June 2026 by global analytics software leader <a xmlns="http://www.w3.org/1999/xhtml" rel="nofollow" href="https://cts.businesswire.com/ct/CT?id=smartlink&amp;url=https%3A%2F%2Fwww.fico.com%2F&amp;esheet=54592880&amp;newsitemid=20260824172828&amp;lan=en-US&amp;anchor=FICO&amp;index=1&amp;md5=f29033cad8fa56c62d155e2074e05139" shape="rect">FICO </a>(NYSE:<a class="ticker" href="https://www.benzinga.com/quote/FICO">FICO</a>) underlines the financial pressures facing UK households. Falling payments contributed to an annual increase in accounts with one, two and three missed payments. And with average balances across all three delinquent categories rising month-on-month, risk teams will need to maintain heightened monitoring for signs of pressure on affordability.

</p><p xmlns="http://www.w3.org/1999/xhtml">
<b xmlns="http://www.w3.org/1999/xhtml">Highlights</b>

</p><ul xmlns="http://www.w3.org/1999/xhtml" class="bwlistdisc">
<li xmlns="http://www.w3.org/1999/xhtml">
Average spend increased by 5.6% month-on-month, to £835.

</li>
<li xmlns="http://www.w3.org/1999/xhtml">
The average active balance increased by 1.4% month-on-month, reaching a new record high of £1,975. It is also 4.7% higher than June 2025.

</li>
<li xmlns="http://www.w3.org/1999/xhtml">
The percentage of balance paid decreased by 2.4% month-on-month to 33.3%, and remaining 4.4% lower year-on-year.

</li>
<li xmlns="http://www.w3.org/1999/xhtml">
The percentage of customers missing one payment increased 7.7% year-on-year, with the average balance on accounts with one missed payment 4.1% higher

</li>
<li xmlns="http://www.w3.org/1999/xhtml">
There was a 5.5% increase, month-on-month, in customers missing two payments and 9.1% year-on-year, with the average balance increasing 2.2% year-on-year

</li>
<li xmlns="http://www.w3.org/1999/xhtml">
For customers missing three payments, there was a significant 14.3% year-on-year increase, with the average balance 1.9% higher than the same month in 2025.

</li>
<li xmlns="http://www.w3.org/1999/xhtml">
Average credit limits increased by 0.2% month-on-month to £5,985, remaining 2.0% higher year-on-year.

</li>
</ul><p xmlns="http://www.w3.org/1999/xhtml">
<b xmlns="http://www.w3.org/1999/xhtml"><span xmlns="http://www.w3.org/1999/xhtml" class="bwuline">FICO Comment:</span></b>

</p><p xmlns="http://www.w3.org/1999/xhtml">
June 2026 continued to present a mixed picture for consumer affordability. An increase in spending could, potentially, be seen as a good sign of economic confidence, however, the increase in spending was not matched by the percentage of overall balance paid, which fell on the previous month and year, reversing the previous recovery and continuing its persistent downwards trend. And with an increase in late payments across one, two and three months, a record-high average active balance will be of concern to risk teams.

</p><p xmlns="http://www.w3.org/1999/xhtml">
Payment rates remain at historically low levels, close to the pre-pandemic average of 30%. With rising spending and payments to balance, the average active balance has maintained record highs, a trend that characterised the market throughout 2025 and into 2026.

</p><p xmlns="http://www.w3.org/1999/xhtml">
In terms of missed payments, June saw a mixed picture across delinquency categories, with month-on-month improvements in one and three-cycle accounts offset by an increase at two cycles. However, all three delinquency categories remain higher year-on-year, continuing the concerning trend that emerged in the second half of 2025 and has persisted throughout 2026.

</p><p xmlns="http://www.w3.org/1999/xhtml">
June credit card data indicates that underlying affordability pressures remain significant. Risk teams should maintain heightened monitoring of delinquency progression through the cycle buckets and ensure pre-delinquency intervention strategies remain calibrated to address the elevated balance levels now characteristic of customers in financial difficulty.

</p><p xmlns="http://www.w3.org/1999/xhtml">
<b xmlns="http://www.w3.org/1999/xhtml">Key Trend Indicators – UK Cards June 2026</b>

</p><table xmlns="http://www.w3.org/1999/xhtml" cellspacing="0" class="bwtablemarginb bwblockalignl bwwidth100">
<tr xmlns="http://www.w3.org/1999/xhtml">
<td xmlns="http://www.w3.org/1999/xhtml" class="bwvertalignt bwtopsingle bwsinglebottom bwleftsingle bwrightsingle bwpadl0 bwwidth42" rowspan="1" colspan="1"><p xmlns="http://www.w3.org/1999/xhtml" class="bwcellpmargin">
<b xmlns="http://www.w3.org/1999/xhtml">Metric</b>

</p>

</td>

<td xmlns="http://www.w3.org/1999/xhtml" class="bwvertalignt bwtopsingle bwsinglebottom bwrightsingle bwpadl0 bwwidth8" rowspan="1" colspan="1"><p xmlns="http://www.w3.org/1999/xhtml" class="bwalignc bwcellpmargin">
<b xmlns="http://www.w3.org/1999/xhtml">Amount</b>

</p>

</td>

<td xmlns="http://www.w3.org/1999/xhtml" class="bwvertalignt bwtopsingle bwsinglebottom bwrightsingle bwpadl0 bwwidth26" rowspan="1" colspan="1"><p xmlns="http://www.w3.org/1999/xhtml" class="bwalignc bwcellpmargin">
<b xmlns="http://www.w3.org/1999/xhtml">Month-on-Month
<br xmlns="http://www.w3.org/1999/xhtml"></br>Change</b>

</p>

</td>

<td xmlns="http://www.w3.org/1999/xhtml" class="bwvertalignt bwtopsingle bwsinglebottom bwrightsingle bwpadl0 bwwidth24" rowspan="1" colspan="1"><p xmlns="http://www.w3.org/1999/xhtml" class="bwalignc bwcellpmargin">
<b xmlns="http://www.w3.org/1999/xhtml">Year-on-
<br xmlns="http://www.w3.org/1999/xhtml"></br>Year
<br xmlns="http://www.w3.org/1999/xhtml"></br>Change</b>

</p>

</td>

</tr>
<tr xmlns="http://www.w3.org/1999/xhtml">
<td xmlns="http://www.w3.org/1999/xhtml" class="bwvertalignt bwsinglebottom bwleftsingle bwrightsingle bwpadl0 bwwidth42" rowspan="1" colspan="1"><p xmlns="http://www.w3.org/1999/xhtml" class="bwcellpmargin">
Average UK Credit Card Spend

</p>

</td>

<td xmlns="http://www.w3.org/1999/xhtml" class="bwsinglebottom bwrightsingle bwpadl0 bwpadr0 bwvertalignb bwpadb3 bwalignc bwwidth8" rowspan="1" colspan="1"><p xmlns="http://www.w3.org/1999/xhtml" class="bwcellpmargin bwalignc">
£835

</p>

</td>

<td xmlns="http://www.w3.org/1999/xhtml" class="bwvertalignt bwsinglebottom bwrightsingle bwpadl0 bwalignc bwwidth26" rowspan="1" colspan="1"><p xmlns="http://www.w3.org/1999/xhtml" class="bwalignc bwcellpmargin">
+5.6%

</p>

</td>

<td xmlns="http://www.w3.org/1999/xhtml" class="bwvertalignt bwsinglebottom bwrightsingle bwpadl0 bwalignc bwwidth24" rowspan="1" colspan="1"><p xmlns="http://www.w3.org/1999/xhtml" class="bwalignc bwcellpmargin">
+0.9%

</p>

</td>

</tr>
<tr xmlns="http://www.w3.org/1999/xhtml">
<td xmlns="http://www.w3.org/1999/xhtml" class="bwvertalignt bwsinglebottom bwleftsingle bwrightsingle bwpadl0 bwwidth42" rowspan="1" colspan="1"><p xmlns="http://www.w3.org/1999/xhtml" class="bwcellpmargin">
Average Card Balance

</p>

</td>

<td xmlns="http://www.w3.org/1999/xhtml" class="bwsinglebottom bwrightsingle bwpadl0 bwpadr0 bwvertalignb bwpadb3 bwalignc bwwidth8" rowspan="1" colspan="1"><p xmlns="http://www.w3.org/1999/xhtml" class="bwcellpmargin bwalignc">
£1,975

</p>

</td>

<td xmlns="http://www.w3.org/1999/xhtml" class="bwvertalignt bwsinglebottom bwrightsingle bwpadl0 bwalignc bwwidth26" rowspan="1" colspan="1"><p xmlns="http://www.w3.org/1999/xhtml" class="bwalignc bwcellpmargin">
+1.4%

</p>

</td>

<td xmlns="http://www.w3.org/1999/xhtml" class="bwvertalignt bwsinglebottom bwrightsingle bwpadl0 bwalignc bwwidth24" rowspan="1" colspan="1"><p xmlns="http://www.w3.org/1999/xhtml" class="bwalignc bwcellpmargin">
+4.7%

</p>

</td>

</tr>
<tr xmlns="http://www.w3.org/1999/xhtml">
<td xmlns="http://www.w3.org/1999/xhtml" class="bwvertalignt bwsinglebottom bwleftsingle bwrightsingle bwpadl0 bwwidth42" rowspan="1" colspan="1"><p xmlns="http://www.w3.org/1999/xhtml" class="bwcellpmargin">
Percentage of Payments to Balance

</p>

</td>

<td xmlns="http://www.w3.org/1999/xhtml" class="bwsinglebottom bwrightsingle bwpadl0 bwpadr0 bwvertalignb bwpadb3 bwalignc bwwidth8" rowspan="1" colspan="1"><p xmlns="http://www.w3.org/1999/xhtml" class="bwcellpmargin bwalignc">
33.3%

</p>

</td>

<td xmlns="http://www.w3.org/1999/xhtml" class="bwsinglebottom bwrightsingle bwpadl0 bwpadr0 bwvertalignb bwpadb3 bwalignc bwwidth26" rowspan="1" colspan="1"><p xmlns="http://www.w3.org/1999/xhtml" class="bwcellpmargin bwalignc">
-2.4%

</p>

</td>

<td xmlns="http://www.w3.org/1999/xhtml" class="bwsinglebottom bwrightsingle bwpadl0 bwpadr0 bwvertalignb bwpadb3 bwalignc bwwidth24" rowspan="1" colspan="1"><p xmlns="http://www.w3.org/1999/xhtml" class="bwcellpmargin bwalignc">
-4.4%

</p>

</td>

</tr>
<tr xmlns="http://www.w3.org/1999/xhtml">
<td xmlns="http://www.w3.org/1999/xhtml" class="bwvertalignt bwsinglebottom bwleftsingle bwrightsingle bwpadl0 bwwidth42" rowspan="1" colspan="1"><p xmlns="http://www.w3.org/1999/xhtml" class="bwcellpmargin">
Accounts with One Missed Payment

</p>

</td>

<td xmlns="http://www.w3.org/1999/xhtml" class="bwsinglebottom bwrightsingle bwpadl0 bwpadr0 bwvertalignb bwpadb3 bwalignc bwwidth8" rowspan="1" colspan="1"><p xmlns="http://www.w3.org/1999/xhtml" class="bwcellpmargin bwalignc">
1.4%

</p>

</td>

<td xmlns="http://www.w3.org/1999/xhtml" class="bwsinglebottom bwrightsingle bwpadl0 bwpadr0 bwvertalignb bwpadb3 bwalignc bwwidth26" rowspan="1" colspan="1"><p xmlns="http://www.w3.org/1999/xhtml" class="bwcellpmargin bwalignc">
-7.7%

</p>

</td>

<td xmlns="http://www.w3.org/1999/xhtml" class="bwvertalignt bwsinglebottom bwrightsingle bwpadl0 bwalignc bwwidth24" rowspan="1" colspan="1"><p xmlns="http://www.w3.org/1999/xhtml" class="bwalignc bwcellpmargin">
+7.7%

</p>

</td>

</tr>
<tr xmlns="http://www.w3.org/1999/xhtml">
<td xmlns="http://www.w3.org/1999/xhtml" class="bwvertalignt bwsinglebottom bwleftsingle bwrightsingle bwpadl0 bwwidth42" rowspan="1" colspan="1"><p xmlns="http://www.w3.org/1999/xhtml" class="bwcellpmargin">
Accounts with Two Missed Payments

</p>

</td>

<td xmlns="http://www.w3.org/1999/xhtml" class="bwsinglebottom bwrightsingle bwpadl0 bwpadr0 bwvertalignb bwpadb3 bwalignc bwwidth8" rowspan="1" colspan="1"><p xmlns="http://www.w3.org/1999/xhtml" class="bwcellpmargin bwalignc">
0.3%

</p>

</td>

<td xmlns="http://www.w3.org/1999/xhtml" class="bwvertalignt bwsinglebottom bwrightsingle bwpadl0 bwalignc bwwidth26" rowspan="1" colspan="1"><p xmlns="http://www.w3.org/1999/xhtml" class="bwalignc bwcellpmargin">
+5.5%

</p>

</td>

<td xmlns="http://www.w3.org/1999/xhtml" class="bwvertalignt bwsinglebottom bwrightsingle bwpadl0 bwalignc bwwidth24" rowspan="1" colspan="1"><p xmlns="http://www.w3.org/1999/xhtml" class="bwalignc bwcellpmargin">
+9.1%

</p>

</td>

</tr>
<tr xmlns="http://www.w3.org/1999/xhtml">
<td xmlns="http://www.w3.org/1999/xhtml" class="bwvertalignt bwsinglebottom bwleftsingle bwrightsingle bwpadl0 bwwidth42" rowspan="1" colspan="1"><p xmlns="http://www.w3.org/1999/xhtml" class="bwcellpmargin">
Accounts with Three Missed Payments

</p>

</td>

<td xmlns="http://www.w3.org/1999/xhtml" class="bwsinglebottom bwrightsingle bwpadl0 bwpadr0 bwvertalignb bwpadb3 bwalignc bwwidth8" rowspan="1" colspan="1"><p xmlns="http://www.w3.org/1999/xhtml" class="bwcellpmargin bwalignc">
0.2%

</p>

</td>

<td xmlns="http://www.w3.org/1999/xhtml" class="bwsinglebottom bwrightsingle bwpadl0 bwpadr0 bwvertalignb bwpadb3 bwalignc bwwidth26" rowspan="1" colspan="1"><p xmlns="http://www.w3.org/1999/xhtml" class="bwcellpmargin bwalignc">
-13.9%

</p>

</td>

<td xmlns="http://www.w3.org/1999/xhtml" class="bwvertalignt bwsinglebottom bwrightsingle bwpadl0 bwalignc bwwidth24" rowspan="1" colspan="1"><p xmlns="http://www.w3.org/1999/xhtml" class="bwalignc bwcellpmargin">
+14.3%

</p>

</td>

</tr>
<tr xmlns="http://www.w3.org/1999/xhtml">
<td xmlns="http://www.w3.org/1999/xhtml" class="bwvertalignt bwsinglebottom bwleftsingle bwrightsingle bwpadl0 bwwidth42" rowspan="1" colspan="1"><p xmlns="http://www.w3.org/1999/xhtml" class="bwcellpmargin">
Average Credit Limit

</p>

</td>

<td xmlns="http://www.w3.org/1999/xhtml" class="bwsinglebottom bwrightsingle bwpadl0 bwpadr0 bwvertalignb bwpadb3 bwalignc bwwidth8" rowspan="1" colspan="1"><p xmlns="http://www.w3.org/1999/xhtml" class="bwcellpmargin bwalignc">
£5,985

</p>

</td>

<td xmlns="http://www.w3.org/1999/xhtml" class="bwvertalignt bwsinglebottom bwrightsingle bwpadl0 bwalignc bwwidth26" rowspan="1" colspan="1"><p xmlns="http://www.w3.org/1999/xhtml" class="bwalignc bwcellpmargin">
+0.2%

</p>

</td>

<td xmlns="http://www.w3.org/1999/xhtml" class="bwvertalignt bwsinglebottom bwrightsingle bwpadl0 bwalignc bwwidth24" rowspan="1" colspan="1"><p xmlns="http://www.w3.org/1999/xhtml" class="bwalignc bwcellpmargin">
+2.0%

</p>

</td>

</tr>
<tr xmlns="http://www.w3.org/1999/xhtml">
<td xmlns="http://www.w3.org/1999/xhtml" class="bwvertalignt bwsinglebottom bwleftsingle bwrightsingle bwpadl0 bwwidth42" rowspan="1" colspan="1"><p xmlns="http://www.w3.org/1999/xhtml" class="bwcellpmargin">
Average Overlimit Spend

</p>

</td>

<td xmlns="http://www.w3.org/1999/xhtml" class="bwsinglebottom bwrightsingle bwpadl0 bwpadr0 bwvertalignb bwpadb3 bwalignc bwwidth8" rowspan="1" colspan="1"><p xmlns="http://www.w3.org/1999/xhtml" class="bwcellpmargin bwalignc">
£95

</p>

</td>

<td xmlns="http://www.w3.org/1999/xhtml" class="bwsinglebottom bwrightsingle bwpadl0 bwpadr0 bwvertalignb bwpadb3 bwalignc bwwidth26" rowspan="1" colspan="1"><p xmlns="http://www.w3.org/1999/xhtml" class="bwcellpmargin bwalignc">
-4.1%

</p>

</td>

<td xmlns="http://www.w3.org/1999/xhtml" class="bwvertalignt bwsinglebottom bwrightsingle bwpadl0 bwalignc bwwidth24" rowspan="1" colspan="1"><p xmlns="http://www.w3.org/1999/xhtml" class="bwalignc bwcellpmargin">
+3.3%

</p>

</td>

</tr>
<tr xmlns="http://www.w3.org/1999/xhtml">
<td xmlns="http://www.w3.org/1999/xhtml" class="bwvertalignt bwsinglebottom bwleftsingle bwrightsingle bwpadl0 bwwidth42" rowspan="1" colspan="1"><p xmlns="http://www.w3.org/1999/xhtml" class="bwcellpmargin">
Cash Sales as a % of Total Sales

</p>

</td>

<td xmlns="http://www.w3.org/1999/xhtml" class="bwsinglebottom bwrightsingle bwpadl0 bwpadr0 bwvertalignb bwpadb3 bwalignc bwwidth8" rowspan="1" colspan="1"><p xmlns="http://www.w3.org/1999/xhtml" class="bwcellpmargin bwalignc">
0.8%

</p>

</td>

<td xmlns="http://www.w3.org/1999/xhtml" class="bwvertalignt bwsinglebottom bwrightsingle bwpadl0 bwalignc bwwidth26" rowspan="1" colspan="1"><p xmlns="http://www.w3.org/1999/xhtml" class="bwalignc bwcellpmargin">
+0.5%

</p>

</td>

<td xmlns="http://www.w3.org/1999/xhtml" class="bwsinglebottom bwrightsingle bwpadl0 bwpadr0 bwvertalignb bwpadb3 bwalignc bwwidth24" rowspan="1" colspan="1"><p xmlns="http://www.w3.org/1999/xhtml" class="bwcellpmargin bwalignc">
-4.4%

</p>

</td>

</tr>
<tr xmlns="http://www.w3.org/1999/xhtml">
<td xmlns="http://www.w3.org/1999/xhtml" class="bwpadl0" colspan="4" rowspan="1"><p xmlns="http://www.w3.org/1999/xhtml" class="bwcellpmargin">
<b xmlns="http://www.w3.org/1999/xhtml">Source: FICO</b>

</p>

</td>

</tr>
</table><p xmlns="http://www.w3.org/1999/xhtml">
These card performance figures are part of the data shared with subscribers of the FICO&#xAE; Benchmark Reporting Service. The data sample comes from client reports generated by the <a xmlns="http://www.w3.org/1999/xhtml" rel="nofollow" href="https://cts.businesswire.com/ct/CT?id=smartlink&amp;url=https%3A%2F%2Fwww.fico.com%2Fen%2Fproducts%2Ffico-triad-customer-manager&amp;esheet=54592880&amp;newsitemid=20260824172828&amp;lan=en-US&amp;anchor=FICO%26%23174%3B+TRIAD%26%23174%3B+Customer+Manager&amp;index=2&amp;md5=02b4ddcdb8650f02edbbe2bb5e57cf80" shape="rect"><b xmlns="http://www.w3.org/1999/xhtml">FICO<sup xmlns="http://www.w3.org/1999/xhtml">&#xAE;</sup> TRIAD<sup xmlns="http://www.w3.org/1999/xhtml">&#xAE;</sup> Customer Manager</b></a> solution in use by some 80% of UK card issuers. For more information on these trends, contact FICO.

</p><p xmlns="http://www.w3.org/1999/xhtml">
<b xmlns="http://www.w3.org/1999/xhtml">About FICO</b>

</p><p xmlns="http://www.w3.org/1999/xhtml">
FICO (NYSE:<a class="ticker" href="https://www.benzinga.com/quote/FICO">FICO</a>) powers decisions that help people and businesses around the world prosper. Founded in 1956, the company is a pioneer in the use of predictive analytics and data science to improve operational decisions. FICO holds more than 200 US and foreign patents on technologies that increase profitability, customer satisfaction and growth for businesses in financial services, insurance, telecommunications, health care, retail and many other industries. Using FICO solutions, businesses in more than 80 countries do everything from protecting 4 billion payment cards from fraud, to improving financial inclusion, to increasing supply chain resiliency. The FICO&#xAE; Score, used by 90% of top US lenders, is the standard measure of consumer credit risk in the US and has been made available in over 40 other countries, improving risk management, credit access and transparency. Learn more at <a xmlns="http://www.w3.org/1999/xhtml" rel="nofollow" href="https://cts.businesswire.com/ct/CT?id=smartlink&amp;url=http%3A%2F%2Fwww.fico.com%2F&amp;esheet=54592880&amp;newsitemid=20260824172828&amp;lan=en-US&amp;anchor=www.fico.com&amp;index=3&amp;md5=e5a7025e2340ef04190cbad8f7de30b1" shape="rect">www.fico.com</a>.

</p><p xmlns="http://www.w3.org/1999/xhtml">
FICO and TRIAD are registered trademarks of Fair Isaac Corporation in the United States and other countries.

</p><p xmlns="http://www.w3.org/1999/xhtml"><img xmlns="http://www.w3.org/1999/xhtml" alt="" src="https://cts.businesswire.com/ct/CT?id=bwnews&amp;sty=20260824172828r1&amp;sid=benz2&amp;distro=nx&amp;lang=en" style="width:0;height:0"></img><span xmlns="http://www.w3.org/1999/xhtml" class="bwct31415"></span></p><p xmlns="http://www.w3.org/1999/xhtml" id="mmgallerylink"><span xmlns="http://www.w3.org/1999/xhtml" id="mmgallerylink-phrase">View source version on businesswire.com: </span><span xmlns="http://www.w3.org/1999/xhtml" id="mmgallerylink-link"><a xmlns="http://www.w3.org/1999/xhtml" href="https://www.businesswire.com/news/home/20260824172828/en/" rel="nofollow">https://www.businesswire.com/news/home/20260824172828/en/</a></span></p><p xmlns="http://www.w3.org/1999/xhtml">
<b xmlns="http://www.w3.org/1999/xhtml"><i xmlns="http://www.w3.org/1999/xhtml">For further press information please contact: 
</i></b><br xmlns="http://www.w3.org/1999/xhtml"></br><b xmlns="http://www.w3.org/1999/xhtml">FICO UK PR Team 
</b><br xmlns="http://www.w3.org/1999/xhtml"></br>Wendy Harrison/Matthew Enderby
<br xmlns="http://www.w3.org/1999/xhtml"></br><a xmlns="http://www.w3.org/1999/xhtml" rel="nofollow" href="mailto:ficoteam@harrisonsadler.com" shape="rect">ficoteam@harrisonsadler.com 
</a><br xmlns="http://www.w3.org/1999/xhtml"></br>0208 977 9132

</p>

FICO

UK Credit Card Payment Rates Drop and Card Balances Rise as Summer Spending Puts Pressure on Consumers

FICO UK Card Delinquency Trends Signal Elevated Risk and TRIAD Revenue Potential

<section class="insight" data-version="1">
  <section data-block="information">
    <h3>Information</h3>
    <p>&lt;p xmlns=&quot;http://www.w3.org/1999/xhtml&quot; class=&quot;bwalignc&quot;&gt;
&lt;i xmlns=&quot;http://www.w3.org/1999/xhtml&quot;&gt;FI...</p>
  </section>

  <section data-block="ai-summary-paragraph">
    <h3>AI Summary</h3>
    <p>FICO’s UK June 2026 report shows rising delinquencies across one-, two-, and three-month cycles, with average balances at a record £1,975 as overall spending rises 5.6% MoM. While payment rates hover near pre-pandemic levels, the share of payments to balance declined, signaling ongoing affordability stress. With roughly 80% of UK issuers using FICO TRIAD, risk analytics demand could support continued revenue for FICO in the near term.</p>
  </section>

  <section data-block="ai-summary-bullets">
    <h3>Key Points</h3>
    <ul><li>UK June 2026 card delinquencies rose across 1–3 months; risk monitoring must stay heightened.</li><li>Average active balance hit record £1,975; spending +5.6% MoM.</li><li>Missed payments rose YoY across all buckets; affordability pressures persist for risk teams.</li><li>FICO TRIAD usage in UK issuers is ~80%; potential sustained analytics revenue for FICO.</li></ul>
  </section>

  <section data-block="companies-mentioned">
    <h3>Companies Mentioned</h3>
    <ul><li><strong>FICO (FICO)</strong>: Primary data source; TRIAD analytics underpin potential revenue growth from UK risk-management adoption.</li><li><strong>FICO TRIAD (FICO)</strong>: Product suite widely used by UK issuers; potential incremental revenue via TRIAD Customer Manager.</li></ul>
  </section>

  <section data-block="category">
    <h3>Industry News</h3>
    <p>Industry News; reflects a macro view of UK consumer credit risk and FICO&#039;s analytical toolkit adoption, suggesting potential near-term revenue upside from analytics demand.</p>
  </section>

  <section data-block="market-moving">
    <h3>Market-Moving</h3>
    <ul><li>UK delinquency uptick could expand FICO TRIAD sales to more issuers.</li><li>80% TRIAD adoption among UK issuers signals durable revenue base for FICO.</li><li>Record balances and higher delinquencies may boost demand for risk-analytics services.</li><li>UK card market data cadence may trigger investor focus on FICO&#039;s analytics strategy.</li></ul>
  </section>

  <section data-block="key-facts">
    <h3>Key Facts</h3>
    <ul><li>June 2026 spend: £835; +5.6% MoM.</li><li>Average active balance: £1,975; +1.4% MoM; +4.7% YoY.</li><li>Payments to balance: 33.3%; -2.4% MoM; -4.4% YoY.</li><li>Accounts with one missed payment: 1.4%; +7.7% YoY.</li><li>Accounts with two missed payments: 0.3%; +5.5% MoM; +9.1% YoY.</li><li>Accounts with three missed payments: 0.2%; +14.3% YoY.</li><li>Average credit limit: £5,985; +0.2% MoM; +2.0% YoY.</li><li>FICO TRIAD usage: ~80% of UK issuers.</li></ul>
  </section>

  <section data-block="trading-thesis">
    <h3>Trading Thesis</h3>
    <p>Near-term bullish for FICO as TRIAD-driven analytics demand may persist over the next 3–6 months.</p>
  </section>
</section>


<article>
  <h2>FICO UK Credit Card Market Report – June 2026: Spending Rises and Delinquency Pressure Intensifies</h2>

  <p><em>FICO UK Credit Card Market Report for June 2026 identifies the need for increased vigilance on late payments by risk teams</em></p>

  <p>As summer spending rose in June, credit card data analysis for June 2026 by global analytics software leader FICO (NYSE: FICO) underlines the financial pressures facing UK households. Falling payments contributed to an annual increase in accounts with one, two and three missed payments. And with average balances across all three delinquent categories rising month-on-month, risk teams will need to maintain heightened monitoring for signs of pressure on affordability.</p>

  <section>
    <h3>Highlights</h3>
    <ul>
      <li>Average spend increased by <strong>5.6%</strong> month-on-month, to <strong>£835</strong>.</li>
      <li>The average active balance increased by <strong>1.4%</strong> month-on-month, reaching a new record high of <strong>£1,975</strong>. It is also <strong>4.7%</strong> higher than June 2025.</li>
      <li>The percentage of balance paid decreased by <strong>2.4%</strong> month-on-month to <strong>33.3%</strong>, and remaining <strong>4.4%</strong> lower year-on-year.</li>
      <li>The percentage of customers missing one payment increased <strong>7.7%</strong> year-on-year, with the average balance on accounts with one missed payment <strong>4.1%</strong> higher.</li>
      <li>There was a <strong>5.5%</strong> increase, month-on-month, in customers missing two payments and <strong>9.1%</strong> year-on-year, with the average balance increasing <strong>2.2%</strong> year-on-year.</li>
      <li>For customers missing three payments, there was a significant <strong>14.3%</strong> year-on-year increase, with the average balance <strong>1.9%</strong> higher than the same month in 2025.</li>
      <li>Average credit limits increased by <strong>0.2%</strong> month-on-month to <strong>£5,985</strong>, remaining <strong>2.0%</strong> higher year-on-year.</li>
    </ul>
  </section>

  <section>
    <h3>FICO Comment</h3>
    <p>June 2026 continued to present a mixed picture for consumer affordability. An increase in spending could, potentially, be seen as a good sign of economic confidence, however, the increase in spending was not matched by the percentage of overall balance paid, which fell on the previous month and year, reversing the previous recovery and continuing its persistent downwards trend. And with an increase in late payments across one, two and three months, a record-high average active balance will be of concern to risk teams.</p>

    <p>Payment rates remain at historically low levels, close to the pre-pandemic average of 30%. With rising spending and payments to balance, the average active balance has maintained record highs, a trend that characterised the market throughout 2025 and into 2026.</p>

    <p>In terms of missed payments, June saw a mixed picture across delinquency categories, with month-on-month improvements in one and three-cycle accounts offset by an increase at two cycles. However, all three delinquency categories remain higher year-on-year, continuing the concerning trend that emerged in the second half of 2025 and has persisted throughout 2026.</p>

    <p>June credit card data indicates that underlying affordability pressures remain significant. Risk teams should maintain heightened monitoring of delinquency progression through the cycle buckets and ensure pre-delinquency intervention strategies remain calibrated to address the elevated balance levels now characteristic of customers in financial difficulty.</p>
  </section>

  <section>
    <h3>Key Trend Indicators – UK Cards June 2026</h3>

    <ul>
      <li><strong>Average UK Credit Card Spend:</strong> <strong>£835</strong> — Month-on-Month change <strong>+5.6%</strong>, Year-on-Year change <strong>+0.9%</strong></li>
      <li><strong>Average Card Balance:</strong> <strong>£1,975</strong> — Month-on-Month change <strong>+1.4%</strong>, Year-on-Year change <strong>+4.7%</strong></li>
      <li><strong>Average Credit Limits:</strong> <strong>£5,985</strong> — Month-on-Month change <strong>+0.2%</strong>, Year-on-Year change <strong>+2.0%</strong></li>
    </ul>
  </section>
</article>

FICO’s UK June 2026 report shows rising delinquencies across one-, two-, and three-month cycles, with average balances at a record £1,975 as overall spending rises 5.6% MoM. While payment rates hover near pre-pandemic levels, the share of payments to balance declined, signaling ongoing affordability stress. With roughly 80% of UK issuers using FICO TRIAD, risk analytics demand could support continued revenue for FICO in the near term.

News insight

UK Credit Card Payment Rates Drop and Card Balances Rise as Summer Spending Puts Pressure on Consumers

AI summary

Sentiment rationale

Key facts

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