What strong consumption? Shocking American credit card debt-credit cards, consumers-IT information

According to foreign media reports, as the economy recovers, consumer purchasing power enhanced, increasing cost of many Americans, but not all time "credit card debt". According to experts ' forecast, the end of 2016, United States households have accumulated credit card debt reached $ 1 trillion.

Reports said,the first quarter of 2016, United States consumers repaid just $ 26.8 billion in credit card debt, while the 2015 total credit card debt of $ 71 billion. Payment than the pre-crisis average of nearly 25%.

Credit card debt continues to increase mainly benefited the economy and the job market improved, the willingness of consumer debt, bankers its low interest-rate environment were tapping the credit card business is also a factor.

Financial analysts said the United States economy is recovering, consumers are already ahead. Consumer confidence has led to higher consumption, in the second quarter of 2016, United States consumers pay off their credit card debt should total $ 30 billion.

In addition to credit card debt, United States consumers to use other type of lending facility, according to the international credit firms Experian (Experian) data, United States auto loans rose in the first quarter of this year to break the $ 1 trillion mark, rewrite new highs.

According to Equifax data show 2015 United States General use credit card issuing financial institutions more than 104 million in 2014, representing a 6.5% increase in 2010, representing a low-point surge 47%.

With the nation's fourth-largest card issuer capital one financial Corporation (Capital One), for example, the company says credit card business revenue in the first quarter of this year jumped to 14% from a year earlier, Sprint was mainly underpinned by the card-issuing capacity and increase credit card limit strategy a success, its credit card customers increased spending in the first quarter of this year over a year earlier by 20%.

Citigroup points out that credit card debt in the first quarter of the year average outstanding balance growth seen since 2008, also including the United States's largest lending bank JPMorgan Chase and Discover financial services company also said credit card debt increases.

超前消费哪家强？美国人的信用卡债务令人震惊 - 信用卡,消费者 - IT资讯

据外媒报道，随着经济复苏，消费者购买能力增强，许多美国人的花费日益增加，但并不是所有人都定时还“卡债”。据专家预测，2016年底，美国家庭的信用卡债务将累计达到1万亿美元。

报道称，2016年第一季度，美国消费者仅偿还了268亿美元的信用卡债务，而2015年的信用卡债务总和为710亿美元。偿还额度比金融危机前的平均水平还将近25%。

而信用卡债持续增加主要是受惠于景气与就业市场好转，消费者负债的意愿增强，另外银行业者因应低利率环境改攻信用卡业务也是一项因素。

有金融分析家表示，美国经济正在复苏，但消费者们已经开始超前消费。消费者的自信导致了更高的消费，在2016年第二季度，美国消费者偿还信用卡债总额应为300亿美元。

除了卡债，美国消费者也勇于使用其他各类型的借贷工具，根据国际征信业者益百利(Experian)的数据，美国汽车贷款余额今年首季已升破1兆美元大关，改写历史新高。

根据Equifax的数据显示，2015年美国金融机构的一般用途信用卡发卡量超过1.04亿张，较2014年增加6.5%，较2010年的低点则激增47%。

以全美第四大发卡银行第一资本金融公司(Capital One)为例，该公司称今年第一季信用卡业务营收较去年同期跳增14%，主要是受惠冲刺发卡量与提高刷卡额度的策略奏效，其信用卡客户今年首季消费金额较去年同期增20%。

花旗则指出，该公司今年首季的信用卡债平均未偿余额出现2008年以来首见成长，另外包括美国第一大放款银行摩根大通与Discover金融服务公司等业者也都表示信用卡债务余额增加。