Approximately 70% of people have two or more credit cards.
Mar 7, 2025
Sharing and informing the questions and doubts of daily life through our original mini-research style “SMART RESEARCH”
This time we did a research on credit cards.
“Credit Card Payment” ranked first, ahead of “QR code payment” as a payment method for people who have their credit card.
Credit cards offer a convenient way to make payments without using cash, whether for services or product purchases. Many people use this credit card because of its point return and various services.
This time, we conducted a survey on credit cards.
First, we did a research on possession status and the number of credit cards people have.
About 90% of respondents have their credit cards, and there was a variation in the number of cards.
The number of credit cards they have was 1-4 or more and it seemed to be evenly distributed, with no gap in the number of respondents.
There are many possible reasons, such as using multiple cards for point return and many more or narrow down the number of cards to 1 to avoid the management that takes time and effort.
Next, we asked those who have credit cards about the payment method they use most frequently, and found that about 40% of them use credit card payment.
This suggests that the convenience of credit cards and the point that they receive points return, which lead to the high usage rate.
Also, the overwhelming majority of respondents, 96% of them, selected lump sum payment/one-time payment as their method of using the credit card.
Since installment payments and revolving credit come with interest charges, there is concern that the lower visible amounts could lead to an increased risk of overspending.
In order to make efficient use of credit cards, it is important to understand your own expenditure and use them as much as you can pay.
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| Title | Survey about credit cards |
|---|---|
| Criteria |
【Gender】Male and Female 【Age】20s～50s 【Area】Nationwide |
| Sample Size | 320ss （Partial: 293ss） |
| Survey period | Tuesday, June 25th, 2024 ～ Wednesday, June 26th, 2024 |
| Method | Web questionnaire |
| Research organization | Asmarq Co., Ltd. |