<p><em>圣诞前的消费和平均活跃余额下降，但未偿账户的平均余额仍然较高，反映出持续的财务压力</em></p>
<p>伦敦 --（商业资讯）-- <strong>FICO（纽约证券交易所代码：FICO）：</strong></p>
<p>在圣诞消费高峰到来之前，全球分析软件领导者 FICO 发布的 2025 年 10 月信用卡数据表明，与上个月和去年相比，信用卡消费有所下降。消费减少导致平均余额自 5 月以来首次下降，但余额仍高于 2024 年 10 月。</p>
<p><strong>亮点</strong></p>
<ul>
<li>消费较 9 月下降 4.7%，同比下降 3%，降至 765 英镑</li>
<li>平均活跃余额环比下降 0.7%，降至 1,900 英镑，尽管仍比 2024 年同月高出 4.7%</li>
<li>总余额支付比例环比下降 0.8%，降至 34.4%；比 2024 年 10 月低 7.6%</li>
<li>按月计算，未偿还的付款数量在一笔和两笔付款类别中分别上升了 7.5% 和 2.6%，而三笔未偿付款则下降了 2.3%</li>
<li>按月计算，使用信用卡提取现金的客户比例下降了 2.4%，同比下降 7.1%，继续呈现长期下降趋势</li>
</ul>
<p><strong>FICO 评论：</strong></p>
<p>2025 年最后一个季度出现了季节性模式，10 月的消费在节日季节前下降。因此，平均余额自 5 月以来首次显著下降，尽管同比仍高出 4.7%。随着整体支付比例环比和同比下降，风险团队将对圣诞高峰消费期间的财务脆弱性表示担忧。</p>
<p>这种担忧将因 2025 年未偿付款的波动模式而进一步加剧。10 月，未偿还一笔或两笔付款的客户比例环比上升，说明英国家庭正在进行的财务平衡的影响。未偿付款账户的平均余额与去年相比仍然较高，未偿一笔付款的平均余额连续第三个月上升。</p>
<p>平均信用额度环比小幅上升 0.2%，达到 5,910 英镑，同比上升 2.5%。令人鼓舞的是，超限账户较上月减少 6.0%，降至 1.35%，尽管这仍比去年高出 3.3%，表明持续的财务困境。平均超限金额上升至 95 英镑，较上月上升 3.3%，较去年上升 2.2%。</p>
<p>自 5 月以来平均活跃余额首次显著下降，加上超限账户减少，为圣诞消费高峰带来了一些鼓舞人心的迹象。然而，随着平均余额的下降，逾期平均余额仍然较高，导致最近几个月未偿还一笔或三笔付款的客户逾期余额比例上升。支付率也持续下降，预计将进一步减少。因此，风险团队应准备应对潜在的季节性压力，重点关注早期干预策略，特别是针对显示支付压力迹象的客户。</p>
<p><strong>关键趋势指标 – 英国信用卡 2025 年 10 月</strong></p>
<table>
<thead>
<tr>
<th></th>
<th></th>
<th></th>
<th></th>
</tr>
</thead>
<tbody>
<tr>
<td><strong>指标</strong></td>
<td><strong>金额</strong></td>
<td><strong>环比变化</strong></td>
<td><strong>同比变化</strong></td>
</tr>
<tr>
<td><strong>平均英国信用卡消费</strong></td>
<td>£765</td>
<td>-4.7%</td>
<td>-3%</td>
</tr>
<tr>
<td><strong>平均卡余额</strong></td>
<td>£1,900</td>
<td>-0.7%</td>
<td>+4.7%</td>
</tr>
<tr>
<td><strong>支付占余额的比例</strong></td>
<td>34.36%</td>
<td>-0.8%</td>
<td>-7.6%</td>
</tr>
<tr>
<td><strong>未偿一笔付款的账户</strong></td>
<td>1.41%</td>
<td>+7.5%</td>
<td>-3.2%</td>
</tr>
<tr>
<td><strong>未偿两笔付款的账户</strong></td>
<td>0.32%</td>
<td>+2.6%</td>
<td>+0.6%</td>
</tr>
<tr>
<td><strong>未偿三笔付款的账户</strong></td>
<td>0.2%</td>
<td>-2.3%</td>
<td>+2.5%</td>
</tr>
<tr>
<td><strong>平均信用额度</strong></td>
<td>£5,910</td>
<td>+0.2%</td>
<td>+2.5%</td>
</tr>
<tr>
<td><strong>平均超限消费</strong></td>
<td>£95</td>
<td>+3.3%</td>
<td>+2.2%</td>
</tr>
<tr>
<td><strong>现金销售占总销售的比例</strong></td>
<td>0.88%</td>
<td>-3.4%</td>
<td>+0.9%</td>
</tr>
</tbody>
</table>
<p><strong>来源：FICO</strong></p>
<p>这些信用卡表现数据是与 FICO®基准报告服务的订阅者共享的数据的一部分。数据样本来自使用 <strong>FICO® TRIAD®客户经理</strong> 解决方案的客户报告，该解决方案被约 80% 的英国信用卡发行商使用。如需了解更多关于这些趋势的信息，请联系 FICO。</p>
<p><strong>关于 FICO</strong></p>
<p>FICO（纽约证券交易所代码：FICO）推动决策，帮助全球的人们和企业繁荣。公司成立于 1956 年，是预测分析和数据科学在改善运营决策方面的先驱。FICO 拥有超过 200 项美国和外国专利，涉及提高金融服务、保险、电信、医疗保健、零售和许多其他行业的盈利能力、客户满意度和增长的技术。使用 FICO 解决方案，全球超过 80 个国家的企业可以保护 40 亿张支付卡免受欺诈，提高金融包容性，增强供应链韧性。FICO®评分被 90% 的美国顶级贷款机构使用，是美国消费者信用风险的标准衡量指标，并已在 40 多个国家提供，改善了风险管理、信用获取和透明度。了解更多信息，请访问 www.fico.com。</p>
<p>FICO 和 TRIAD 是 Fair Isaac Corporation 在美国及其他国家的注册商标。</p>
<p><img src="https://imageproxy.pbkrs.com/https://cts.businesswire.com/ct/CT/query-ZGlzdHJvPW54JmlkPWJ3bmV3cyZsYW5nPWVuJnNpZD1hY3FyOCZzdHk9MjAyNTEyMjMwMzQ2OTZyMQ?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" alt="" original-src="https://imageproxy.pbkrs.com/https://cts.businesswire.com/ct/CT/query-ZGlzdHJvPW54JmlkPWJ3bmV3cyZsYW5nPWVuJnNpZD1hY3FyOCZzdHk9MjAyNTEyMjMwMzQ2OTZyMQ"/></p>
<p>查看商业资讯上的源版本：https://www.businesswire.com/news/home/20251223034696/en/</p>
<p><strong><em>如需进一步的新闻信息，请联系：</em></strong></p>
<p><strong>FICO 英国公关团队</strong></p>
<p>Wendy Harrison/Matthew Enderby</p>
<p>ficoteam@harrisonsadler.com</p>
<p>0208 977 9132</p>
<p>来源：FICO</p>

FICO

<p>FICO 2025 年 10 月英国信用卡市场报告显示，信用卡消费较 9 月下降了 4.7%，同比下降 3%。活跃平均余额环比下降 0.7%，但仍比 2024 年 10 月高出 4.7%。一类和二类未付款项增加，而三类未付款项减少。总余额支付比例下降，现金取款持续减少。平均信用额度略有增加，超限账户减少。风险团队被建议关注早期干预策略，以应对潜在的季节性财务压力</p>

<p><em>Pre-Christmas spending and average active balances fall, however average balances for missed accounts remain high reflecting continued financial pressure</em></p>
<div class="lb-trans"><p><em>圣诞前的消费和平均活跃余额下降，但未偿账户的平均余额仍然较高，反映出持续的财务压力</em></p>
</div><p>LONDON--(BUSINESS WIRE)-- <strong>FICO (NYSE: FICO):</strong></p>
<div class="lb-trans"><p>伦敦 --（商业资讯）-- <strong>FICO（纽约证券交易所代码：FICO）：</strong></p>
</div><p>Ahead of the Christmas spending peak, the October 2025 credit card data from global analytics software leader FICO shows a decline in credit card spending compared with the previous month and the previous year. Lower spending led to average balances falling for the first time since May, but balances remain higher than October 2024.</p>
<div class="lb-trans"><p>在圣诞消费高峰到来之前，全球分析软件领导者 FICO 发布的 2025 年 10 月信用卡数据表明，与上个月和去年相比，信用卡消费有所下降。消费减少导致平均余额自 5 月以来首次下降，但余额仍高于 2024 年 10 月。</p>
</div><p><strong>Highlights</strong></p>
<div class="lb-trans"><p><strong>亮点</strong></p>
</div><ul>
<li>Spending fell 4.7% from September, and 3% year-on-year, to £765</li>
<li>Average active balances decreased by 0.7% month-on-month to £1,900 although they remain 4.7% higher than the same month in 2024</li>
<li>The percentage of total balance paid fell by 0.8% month-on-month to 34.4%; 7.6% lower than October 2024</li>
<li>Month-on-month, the number of missed payments rose for one and two-payment categories (by 7.5% and 2.6% respectively) while three missed payments fell by 2.3%</li>
<li>The percentage of customers using credit cards to take out cash declined 2.4% month-on-month and was 7.1% year-on-year, continuing a long-term downward trend</li>
</ul>
<div class="lb-trans"><ul>
<li>消费较 9 月下降 4.7%，同比下降 3%，降至 765 英镑</li>
<li>平均活跃余额环比下降 0.7%，降至 1,900 英镑，尽管仍比 2024 年同月高出 4.7%</li>
<li>总余额支付比例环比下降 0.8%，降至 34.4%；比 2024 年 10 月低 7.6%</li>
<li>按月计算，未偿还的付款数量在一笔和两笔付款类别中分别上升了 7.5% 和 2.6%，而三笔未偿付款则下降了 2.3%</li>
<li>按月计算，使用信用卡提取现金的客户比例下降了 2.4%，同比下降 7.1%，继续呈现长期下降趋势</li>
</ul>
</div><p><strong>FICO Comment:</strong></p>
<div class="lb-trans"><p><strong>FICO 评论：</strong></p>
</div><p>Seasonal patterns are emerging in the final quarter of 2025, with spending in October declining ahead of the festive season. As a result, average balances showed their first notable monthly decrease since May, although still remain 4.7% higher year-on-year. With the percentage of overall balance paid also decreasing month-on-month and year-on-year, risk teams will be concerned about financial vulnerabilities across the Christmas peak spending period.</p>
<div class="lb-trans"><p>2025 年最后一个季度出现了季节性模式，10 月的消费在节日季节前下降。因此，平均余额自 5 月以来首次显著下降，尽管同比仍高出 4.7%。随着整体支付比例环比和同比下降，风险团队将对圣诞高峰消费期间的财务脆弱性表示担忧。</p>
</div><p>This concern will be further exacerbated by the erratic pattern of missed payments seen through 2025. In October the percentage of customers missing either one or two payments increased month-on-month, illustrating the impact of the ongoing financial juggle taking place in UK households. Average balances for accounts with missed payments remain elevated compared to last year, with the average balance for one missed payment increasing for the third month in a row.</p>
<div class="lb-trans"><p>这种担忧将因 2025 年未偿付款的波动模式而进一步加剧。10 月，未偿还一笔或两笔付款的客户比例环比上升，说明英国家庭正在进行的财务平衡的影响。未偿付款账户的平均余额与去年相比仍然较高，未偿一笔付款的平均余额连续第三个月上升。</p>
</div><p>Average credit limits increased modestly by 0.2% month-on-month to £5,910, remaining 2.5% higher year-on-year. Encouragingly, overlimit accounts decreased by 6.0% on the previous month to 1.35%, though this remains 3.3% higher than last year, suggesting continued financial distress. The average overlimit amount increased to £95, up 3.3% on the previous month and 2.2% since the previous year.</p>
<div class="lb-trans"><p>平均信用额度环比小幅上升 0.2%，达到 5,910 英镑，同比上升 2.5%。令人鼓舞的是，超限账户较上月减少 6.0%，降至 1.35%，尽管这仍比去年高出 3.3%，表明持续的财务困境。平均超限金额上升至 95 英镑，较上月上升 3.3%，较去年上升 2.2%。</p>
</div><p>The first notable decrease in average active balances since May, combined with fewer overlimit accounts, provides some encouraging signs ahead of the Christmas spending peak. However, as the average balance decreases, the delinquent average balance remains high, resulting in a higher ratio of delinquent balances for the last couple of months for customers missing either one or three payments. Payment rates also continue to trend downwards and are expected to decrease further. Risk teams should therefore prepare for potential seasonal stress by focusing on early intervention strategies, particularly for customers showing signs of payment strain.</p>
<div class="lb-trans"><p>自 5 月以来平均活跃余额首次显著下降，加上超限账户减少，为圣诞消费高峰带来了一些鼓舞人心的迹象。然而，随着平均余额的下降，逾期平均余额仍然较高，导致最近几个月未偿还一笔或三笔付款的客户逾期余额比例上升。支付率也持续下降，预计将进一步减少。因此，风险团队应准备应对潜在的季节性压力，重点关注早期干预策略，特别是针对显示支付压力迹象的客户。</p>
</div><p><strong>Key Trend Indicators – UK Cards October 2025</strong></p>
<div class="lb-trans"><p><strong>关键趋势指标 – 英国信用卡 2025 年 10 月</strong></p>
</div><table>
<thead>
<tr>
<th></th>
<th></th>
<th></th>
<th></th>
</tr>
</thead>
<tbody>
<tr>
<td><strong>Metric</strong></td>
<td><strong>Amount</strong></td>
<td><strong>Month-on-Month Change</strong></td>
<td><strong>Year-on-Year Change</strong></td>
</tr>
<tr>
<td><strong>Average UK Credit Card Spend</strong></td>
<td>£765</td>
<td>-4.7%</td>
<td>-3%</td>
</tr>
<tr>
<td><strong>Average Card Balance</strong></td>
<td>£1,900</td>
<td>-0.7%</td>
<td>+4.7%</td>
</tr>
<tr>
<td><strong>Percentage of Payments to Balance</strong></td>
<td>34.36%</td>
<td>-0.8%</td>
<td>-7.6%</td>
</tr>
<tr>
<td><strong>Accounts with One Missed Payment</strong></td>
<td>1.41%</td>
<td>+7.5%</td>
<td>-3.2%</td>
</tr>
<tr>
<td><strong>Accounts with Two Missed Payments</strong></td>
<td>0.32%</td>
<td>+2.6%</td>
<td>+0.6%</td>
</tr>
<tr>
<td><strong>Accounts with Three Missed Payments</strong></td>
<td>0.2%</td>
<td>-2.3%</td>
<td>+2.5%</td>
</tr>
<tr>
<td><strong>Average Credit Limit</strong></td>
<td>£5,910</td>
<td>+0.2</td>
<td>+2.5%</td>
</tr>
<tr>
<td><strong>Average Overlimit Spend</strong></td>
<td>£95</td>
<td>+3.3%</td>
<td>+2.2%</td>
</tr>
<tr>
<td><strong>Cash Sales as a % of Total Sales</strong></td>
<td>0.88%</td>
<td>-3.4%</td>
<td>+0.9%</td>
</tr>
</tbody>
</table>
<div class="lb-trans"><table>
<thead>
<tr>
<th></th>
<th></th>
<th></th>
<th></th>
</tr>
</thead>
<tbody>
<tr>
<td><strong>指标</strong></td>
<td><strong>金额</strong></td>
<td><strong>环比变化</strong></td>
<td><strong>同比变化</strong></td>
</tr>
<tr>
<td><strong>平均英国信用卡消费</strong></td>
<td>£765</td>
<td>-4.7%</td>
<td>-3%</td>
</tr>
<tr>
<td><strong>平均卡余额</strong></td>
<td>£1,900</td>
<td>-0.7%</td>
<td>+4.7%</td>
</tr>
<tr>
<td><strong>支付占余额的比例</strong></td>
<td>34.36%</td>
<td>-0.8%</td>
<td>-7.6%</td>
</tr>
<tr>
<td><strong>未偿一笔付款的账户</strong></td>
<td>1.41%</td>
<td>+7.5%</td>
<td>-3.2%</td>
</tr>
<tr>
<td><strong>未偿两笔付款的账户</strong></td>
<td>0.32%</td>
<td>+2.6%</td>
<td>+0.6%</td>
</tr>
<tr>
<td><strong>未偿三笔付款的账户</strong></td>
<td>0.2%</td>
<td>-2.3%</td>
<td>+2.5%</td>
</tr>
<tr>
<td><strong>平均信用额度</strong></td>
<td>£5,910</td>
<td>+0.2%</td>
<td>+2.5%</td>
</tr>
<tr>
<td><strong>平均超限消费</strong></td>
<td>£95</td>
<td>+3.3%</td>
<td>+2.2%</td>
</tr>
<tr>
<td><strong>现金销售占总销售的比例</strong></td>
<td>0.88%</td>
<td>-3.4%</td>
<td>+0.9%</td>
</tr>
</tbody>
</table>
</div><p><strong>Source: FICO</strong></p>
<div class="lb-trans"><p><strong>来源：FICO</strong></p>
</div><p>These card performance figures are part of the data shared with subscribers of the FICO® Benchmark Reporting Service. The data sample comes from client reports generated by the <strong>FICO® TRIAD® Customer Manager</strong> solution in use by some 80% of UK card issuers. For more information on these trends, contact FICO.</p>
<div class="lb-trans"><p>这些信用卡表现数据是与 FICO®基准报告服务的订阅者共享的数据的一部分。数据样本来自使用 <strong>FICO® TRIAD®客户经理</strong> 解决方案的客户报告，该解决方案被约 80% 的英国信用卡发行商使用。如需了解更多关于这些趋势的信息，请联系 FICO。</p>
</div><p><strong>About FICO</strong></p>
<div class="lb-trans"><p><strong>关于 FICO</strong></p>
</div><p>FICO (NYSE: FICO) 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® 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 www.fico.com.</p>
<div class="lb-trans"><p>FICO（纽约证券交易所代码：FICO）推动决策，帮助全球的人们和企业繁荣。公司成立于 1956 年，是预测分析和数据科学在改善运营决策方面的先驱。FICO 拥有超过 200 项美国和外国专利，涉及提高金融服务、保险、电信、医疗保健、零售和许多其他行业的盈利能力、客户满意度和增长的技术。使用 FICO 解决方案，全球超过 80 个国家的企业可以保护 40 亿张支付卡免受欺诈，提高金融包容性，增强供应链韧性。FICO®评分被 90% 的美国顶级贷款机构使用，是美国消费者信用风险的标准衡量指标，并已在 40 多个国家提供，改善了风险管理、信用获取和透明度。了解更多信息，请访问 www.fico.com。</p>
</div><p>FICO and TRIAD are registered trademarks of Fair Isaac Corporation in the United States and other countries.</p>
<div class="lb-trans"><p>FICO 和 TRIAD 是 Fair Isaac Corporation 在美国及其他国家的注册商标。</p>
</div><p><img src="https://imageproxy.pbkrs.com/https://cts.businesswire.com/ct/CT/query-ZGlzdHJvPW54JmlkPWJ3bmV3cyZsYW5nPWVuJnNpZD1hY3FyOCZzdHk9MjAyNTEyMjMwMzQ2OTZyMQ" alt="" original-src="https://cts.businesswire.com/ct/CT?id=bwnews&amp;sty=20251223034696r1&amp;sid=acqr8&amp;distro=nx&amp;lang=en"/></p>
<p>View source version on businesswire.com: https://www.businesswire.com/news/home/20251223034696/en/</p>
<div class="lb-trans"><p>查看商业资讯上的源版本：https://www.businesswire.com/news/home/20251223034696/en/</p>
</div><p><strong><em>For further press information please contact:</em></strong></p>
<div class="lb-trans"><p><strong><em>如需进一步的新闻信息，请联系：</em></strong></p>
</div><p><strong>FICO UK PR Team</strong></p>
<div class="lb-trans"><p><strong>FICO 英国公关团队</strong></p>
</div><p>Wendy Harrison/Matthew Enderby</p>
<div class="lb-trans"><p>Wendy Harrison/Matthew Enderby</p>
</div><p>ficoteam@harrisonsadler.com</p>
<div class="lb-trans"><p>ficoteam@harrisonsadler.com</p>
</div><p>0208 977 9132</p>
<div class="lb-trans"><p>0208 977 9132</p>
</div><p>Source: FICO</p>
<div class="lb-trans"><p>来源：FICO</p>
</div>

FICO 英国信用卡市场报告：2025 年 10 月 | Fair Isaac 股票新闻