最新数据显示美国信用卡消费增速正显著放缓。Visa和万事达统计显示自2024年底以来信用卡消费增速首次落后于借记卡打破近

智通财经
Aug 17, 2025
最新数据显示美国信用卡消费增速正显著放缓。Visa和万事达统计显示自2024年底以来信用卡消费增速首次落后于借记卡打破近四年的趋势。这表明消费者正逐渐摆脱疫情期间的借贷消费模式。高通胀时期曾推动信用卡使用激增但随着学生贷款恢复偿还和利率居高不下家庭财务压力加剧。环联信贷报告机构指出消费者正主动控制债务规模部分发卡机构也开始收紧审核标准。典型案例是27岁的医药销售代表西亚拉她在累积7.2万美元债务后选择剪卡并改用现金支付半年内已偿还3万美元。目前美国借记卡消费仍保持6.57%的年增长信用卡增速则为5.65%。专家分析这种分化反映出消费习惯正回归疫情前常态。值得注意的是用于整合债务的个人贷款近期激增今年一季度发放量同比上涨18%显示更多民众正寻求降低高息信用卡负债。

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