<p><em>聖誕前的消費和平均活躍餘額下降，但未償賬户的平均餘額仍然較高，反映出持續的財務壓力</em></p>
<p>倫敦 --（商業資訊）-- <strong>FICO（紐約證券交易所代碼：FICO）：</strong></p>
<p>在聖誕消費高峰到來之前，全球分析軟件領導者 FICO 發佈的 2025 年 10 月信用卡數據表明，與上個月和去年相比，信用卡消費有所下降。消費減少導致平均餘額自 5 月以來首次下降，但餘額仍高於 2024 年 10 月。</p>
<p><strong>亮點</strong></p>
<ul>
<li>消費較 9 月下降 4.7%，同比下降 3%，降至 765 英鎊</li>
<li>平均活躍餘額環比下降 0.7%，降至 1,900 英鎊，儘管仍比 2024 年同月高出 4.7%</li>
<li>總餘額支付比例環比下降 0.8%，降至 34.4%；比 2024 年 10 月低 7.6%</li>
<li>按月計算，未償還的付款數量在一筆和兩筆付款類別中分別上升了 7.5% 和 2.6%，而三筆未償付款則下降了 2.3%</li>
<li>按月計算，使用信用卡提取現金的客户比例下降了 2.4%，同比下降 7.1%，繼續呈現長期下降趨勢</li>
</ul>
<p><strong>FICO 評論：</strong></p>
<p>2025 年最後一個季度出現了季節性模式，10 月的消費在節日季節前下降。因此，平均餘額自 5 月以來首次顯著下降，儘管同比仍高出 4.7%。隨着整體支付比例環比和同比下降，風險團隊將對聖誕高峰消費期間的財務脆弱性表示擔憂。</p>
<p>這種擔憂將因 2025 年未償付款的波動模式而進一步加劇。10 月，未償還一筆或兩筆付款的客户比例環比上升，説明英國家庭正在進行的財務平衡的影響。未償付款賬户的平均餘額與去年相比仍然較高，未償一筆付款的平均餘額連續第三個月上升。</p>
<p>平均信用額度環比小幅上升 0.2%，達到 5,910 英鎊，同比上升 2.5%。令人鼓舞的是，超限賬户較上月減少 6.0%，降至 1.35%，儘管這仍比去年高出 3.3%，表明持續的財務困境。平均超限金額上升至 95 英鎊，較上月上升 3.3%，較去年上升 2.2%。</p>
<p>自 5 月以來平均活躍餘額首次顯著下降，加上超限賬户減少，為聖誕消費高峰帶來了一些鼓舞人心的跡象。然而，隨着平均餘額的下降，逾期平均餘額仍然較高，導致最近幾個月未償還一筆或三筆付款的客户逾期餘額比例上升。支付率也持續下降，預計將進一步減少。因此，風險團隊應準備應對潛在的季節性壓力，重點關注早期干預策略，特別是針對顯示支付壓力跡象的客户。</p>
<p><strong>關鍵趨勢指標 – 英國信用卡 2025 年 10 月</strong></p>
<table>
<thead>
<tr>
<th></th>
<th></th>
<th></th>
<th></th>
</tr>
</thead>
<tbody>
<tr>
<td><strong>指標</strong></td>
<td><strong>金額</strong></td>
<td><strong>環比變化</strong></td>
<td><strong>同比變化</strong></td>
</tr>
<tr>
<td><strong>平均英國信用卡消費</strong></td>
<td>£765</td>
<td>-4.7%</td>
<td>-3%</td>
</tr>
<tr>
<td><strong>平均卡餘額</strong></td>
<td>£1,900</td>
<td>-0.7%</td>
<td>+4.7%</td>
</tr>
<tr>
<td><strong>支付佔餘額的比例</strong></td>
<td>34.36%</td>
<td>-0.8%</td>
<td>-7.6%</td>
</tr>
<tr>
<td><strong>未償一筆付款的賬户</strong></td>
<td>1.41%</td>
<td>+7.5%</td>
<td>-3.2%</td>
</tr>
<tr>
<td><strong>未償兩筆付款的賬户</strong></td>
<td>0.32%</td>
<td>+2.6%</td>
<td>+0.6%</td>
</tr>
<tr>
<td><strong>未償三筆付款的賬户</strong></td>
<td>0.2%</td>
<td>-2.3%</td>
<td>+2.5%</td>
</tr>
<tr>
<td><strong>平均信用額度</strong></td>
<td>£5,910</td>
<td>+0.2%</td>
<td>+2.5%</td>
</tr>
<tr>
<td><strong>平均超限消費</strong></td>
<td>£95</td>
<td>+3.3%</td>
<td>+2.2%</td>
</tr>
<tr>
<td><strong>現金銷售佔總銷售的比例</strong></td>
<td>0.88%</td>
<td>-3.4%</td>
<td>+0.9%</td>
</tr>
</tbody>
</table>
<p><strong>來源：FICO</strong></p>
<p>這些信用卡表現數據是與 FICO®基準報告服務的訂閲者共享的數據的一部分。數據樣本來自使用 <strong>FICO® TRIAD®客户經理</strong> 解決方案的客户報告，該解決方案被約 80% 的英國信用卡發行商使用。如需瞭解更多關於這些趨勢的信息，請聯繫 FICO。</p>
<p><strong>關於 FICO</strong></p>
<p>FICO（紐約證券交易所代碼：FICO）推動決策，幫助全球的人們和企業繁榮。公司成立於 1956 年，是預測分析和數據科學在改善運營決策方面的先驅。FICO 擁有超過 200 項美國和外國專利，涉及提高金融服務、保險、電信、醫療保健、零售和許多其他行業的盈利能力、客户滿意度和增長的技術。使用 FICO 解決方案，全球超過 80 個國家的企業可以保護 40 億張支付卡免受欺詐，提高金融包容性，增強供應鏈韌性。FICO®評分被 90% 的美國頂級貸款機構使用，是美國消費者信用風險的標準衡量指標，並已在 40 多個國家提供，改善了風險管理、信用獲取和透明度。瞭解更多信息，請訪問 www.fico.com。</p>
<p>FICO 和 TRIAD 是 Fair Isaac Corporation 在美國及其他國家的註冊商標。</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>查看商業資訊上的源版本：https://www.businesswire.com/news/home/20251223034696/en/</p>
<p><strong><em>如需進一步的新聞信息，請聯繫：</em></strong></p>
<p><strong>FICO 英國公關團隊</strong></p>
<p>Wendy Harrison/Matthew Enderby</p>
<p>ficoteam@harrisonsadler.com</p>
<p>0208 977 9132</p>
<p>來源：FICO</p>

FICO

<p>FICO 2025 年 10 月英國信用卡市場報告顯示，信用卡消費較 9 月下降了 4.7%，同比下降 3%。活躍平均餘額環比下降 0.7%，但仍比 2024 年 10 月高出 4.7%。一類和二類未付款項增加，而三類未付款項減少。總餘額支付比例下降，現金取款持續減少。平均信用額度略有增加，超限賬户減少。風險團隊被建議關注早期干預策略，以應對潛在的季節性財務壓力</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>聖誕前的消費和平均活躍餘額下降，但未償賬户的平均餘額仍然較高，反映出持續的財務壓力</em></p>
</div><p>LONDON--(BUSINESS WIRE)-- <strong>FICO (NYSE: FICO):</strong></p>
<div class="lb-trans"><p>倫敦 --（商業資訊）-- <strong>FICO（紐約證券交易所代碼：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>在聖誕消費高峰到來之前，全球分析軟件領導者 FICO 發佈的 2025 年 10 月信用卡數據表明，與上個月和去年相比，信用卡消費有所下降。消費減少導致平均餘額自 5 月以來首次下降，但餘額仍高於 2024 年 10 月。</p>
</div><p><strong>Highlights</strong></p>
<div class="lb-trans"><p><strong>亮點</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>消費較 9 月下降 4.7%，同比下降 3%，降至 765 英鎊</li>
<li>平均活躍餘額環比下降 0.7%，降至 1,900 英鎊，儘管仍比 2024 年同月高出 4.7%</li>
<li>總餘額支付比例環比下降 0.8%，降至 34.4%；比 2024 年 10 月低 7.6%</li>
<li>按月計算，未償還的付款數量在一筆和兩筆付款類別中分別上升了 7.5% 和 2.6%，而三筆未償付款則下降了 2.3%</li>
<li>按月計算，使用信用卡提取現金的客户比例下降了 2.4%，同比下降 7.1%，繼續呈現長期下降趨勢</li>
</ul>
</div><p><strong>FICO Comment:</strong></p>
<div class="lb-trans"><p><strong>FICO 評論：</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 年最後一個季度出現了季節性模式，10 月的消費在節日季節前下降。因此，平均餘額自 5 月以來首次顯著下降，儘管同比仍高出 4.7%。隨着整體支付比例環比和同比下降，風險團隊將對聖誕高峰消費期間的財務脆弱性表示擔憂。</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>這種擔憂將因 2025 年未償付款的波動模式而進一步加劇。10 月，未償還一筆或兩筆付款的客户比例環比上升，説明英國家庭正在進行的財務平衡的影響。未償付款賬户的平均餘額與去年相比仍然較高，未償一筆付款的平均餘額連續第三個月上升。</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>平均信用額度環比小幅上升 0.2%，達到 5,910 英鎊，同比上升 2.5%。令人鼓舞的是，超限賬户較上月減少 6.0%，降至 1.35%，儘管這仍比去年高出 3.3%，表明持續的財務困境。平均超限金額上升至 95 英鎊，較上月上升 3.3%，較去年上升 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 月以來平均活躍餘額首次顯著下降，加上超限賬户減少，為聖誕消費高峰帶來了一些鼓舞人心的跡象。然而，隨着平均餘額的下降，逾期平均餘額仍然較高，導致最近幾個月未償還一筆或三筆付款的客户逾期餘額比例上升。支付率也持續下降，預計將進一步減少。因此，風險團隊應準備應對潛在的季節性壓力，重點關注早期干預策略，特別是針對顯示支付壓力跡象的客户。</p>
</div><p><strong>Key Trend Indicators – UK Cards October 2025</strong></p>
<div class="lb-trans"><p><strong>關鍵趨勢指標 – 英國信用卡 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>指標</strong></td>
<td><strong>金額</strong></td>
<td><strong>環比變化</strong></td>
<td><strong>同比變化</strong></td>
</tr>
<tr>
<td><strong>平均英國信用卡消費</strong></td>
<td>£765</td>
<td>-4.7%</td>
<td>-3%</td>
</tr>
<tr>
<td><strong>平均卡餘額</strong></td>
<td>£1,900</td>
<td>-0.7%</td>
<td>+4.7%</td>
</tr>
<tr>
<td><strong>支付佔餘額的比例</strong></td>
<td>34.36%</td>
<td>-0.8%</td>
<td>-7.6%</td>
</tr>
<tr>
<td><strong>未償一筆付款的賬户</strong></td>
<td>1.41%</td>
<td>+7.5%</td>
<td>-3.2%</td>
</tr>
<tr>
<td><strong>未償兩筆付款的賬户</strong></td>
<td>0.32%</td>
<td>+2.6%</td>
<td>+0.6%</td>
</tr>
<tr>
<td><strong>未償三筆付款的賬户</strong></td>
<td>0.2%</td>
<td>-2.3%</td>
<td>+2.5%</td>
</tr>
<tr>
<td><strong>平均信用額度</strong></td>
<td>£5,910</td>
<td>+0.2%</td>
<td>+2.5%</td>
</tr>
<tr>
<td><strong>平均超限消費</strong></td>
<td>£95</td>
<td>+3.3%</td>
<td>+2.2%</td>
</tr>
<tr>
<td><strong>現金銷售佔總銷售的比例</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>來源：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>這些信用卡表現數據是與 FICO®基準報告服務的訂閲者共享的數據的一部分。數據樣本來自使用 <strong>FICO® TRIAD®客户經理</strong> 解決方案的客户報告，該解決方案被約 80% 的英國信用卡發行商使用。如需瞭解更多關於這些趨勢的信息，請聯繫 FICO。</p>
</div><p><strong>About FICO</strong></p>
<div class="lb-trans"><p><strong>關於 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（紐約證券交易所代碼：FICO）推動決策，幫助全球的人們和企業繁榮。公司成立於 1956 年，是預測分析和數據科學在改善運營決策方面的先驅。FICO 擁有超過 200 項美國和外國專利，涉及提高金融服務、保險、電信、醫療保健、零售和許多其他行業的盈利能力、客户滿意度和增長的技術。使用 FICO 解決方案，全球超過 80 個國家的企業可以保護 40 億張支付卡免受欺詐，提高金融包容性，增強供應鏈韌性。FICO®評分被 90% 的美國頂級貸款機構使用，是美國消費者信用風險的標準衡量指標，並已在 40 多個國家提供，改善了風險管理、信用獲取和透明度。瞭解更多信息，請訪問 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 在美國及其他國家的註冊商標。</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>查看商業資訊上的源版本：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>如需進一步的新聞信息，請聯繫：</em></strong></p>
</div><p><strong>FICO UK PR Team</strong></p>
<div class="lb-trans"><p><strong>FICO 英國公關團隊</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>來源：FICO</p>
</div>

FICO 英國信用卡市場報告：2025 年 10 月 | Fair Isaac 股票新聞