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Credit Cards in Sweden
As at 30th September 2017, there are 24,306,000 convenience credit cards and extended credit cards(an increase of 87,000 or 0.36% compares to 24,219,000 as at end of August 2017), brokendown into 21,402,000 issued by banks and 2,904,000 by finance companies. The outstanding balance for convenience credit cards and extended credit cards stood at SEK78.668 billions(an increase of SEK1.524 billions or 1.98% compares to SEK77.144 billions as at end of August 2017), broken down as SEK35.168 billions for convenience credit cards and SEK43.500 billions for extended credit cards. Out of the SEK78.668 billions outstanding, SEK53.304 billions is lending from banks(SEK24.442 billions for convenience credit and SEK28.862 billions for extended credit) and SEK24.268 billions is lending from finance companies(SEK9.601 billions for convenience credit and SEK14.667 billions for extended credit).

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Monthly Sweden Credit Card Statistics 2017

As at 31st January 2017, there are 24,003,000 convenience credit cards and extended credit cards(an increase of 2,379,000 or 11.00% compares to 21,624,000 as at end of December 2016), brokendown into 20,987,000 issued by banks and 3,015,000 by finance companies. The outstanding balance for convenience credit cards and extended credit cards stood at SEK76.732 billions(an increase of SEK9.537 billions or 14.19% compares to SEK67.195 billions as at end of December 2016), broken down as SEK34.997 billions for convenience credit cards and SEK41.735 billions for extended credit cards. Out of the SEK76.732 billions outstanding, SEK54.478 billions is lending from banks(SEK25.698 billions for convenience credit and SEK28.780 billions for extended credit) and SEK22.253 billions is lending from finance companies(SEK9.299 billions for convenience credit and SEK12.954 billions for extended credit).

As at 28th February 2017, there are 23,981,000 convenience credit cards and extended credit cards(a decrease of 22,000 or 0.09% compares to 24,003,000 as at end of January 2017), brokendown into 20,971,000 issued by banks and 3,010,000 by finance companies. The outstanding balance for convenience credit cards and extended credit cards stood at SEK74.630 billions(a decrease of SEK2.102 billions or 2.74% compares to SEK76.732 billions as at end of January 2017), broken down as SEK32.706 billions for convenience credit cards and SEK41.925 billions for extended credit cards. Out of the SEK74.630 billions outstanding, SEK52.376 billions is lending from banks(SEK23.438 billions for convenience credit and SEK28.937 billions for extended credit) and SEK22.255 billions is lending from finance companies(SEK9.268 billions for convenience credit and SEK12.987 billions for extended credit).

As at 31st March 2017, there are 23,796,000 convenience credit cards and extended credit cards(a decrease of 185,000 or 0.77% compares to 23,981,000 as at end of February 2017), brokendown into 20,859,000 issued by banks and 2,938,000 by finance companies. The outstanding balance for convenience credit cards and extended credit cards stood at SEK77.516 billions(an increase of SEK2.886 billions or 3.87% compares to SEK74.630 billions as at end of February 2017), broken down as SEK35.072 billions for convenience credit cards and SEK42.444 billions for extended credit cards. Out of the SEK77.516 billions outstanding, SEK53.867 billions is lending from banks(SEK25.602 billions for convenience credit and SEK28.264 billions for extended credit) and SEK23.649 billions is lending from finance companies(SEK9.470 billions for convenience credit and SEK14.179 billions for extended credit).

As at 30th April 2017, there are 23,823,000 convenience credit cards and extended credit cards(an increase of 27,000 or 0.11% compares to 23,796,000 as at end of March 2017), brokendown into 20,885,000 issued by banks and 2,938,000 by finance companies. The outstanding balance for convenience credit cards and extended credit cards stood at SEK78.525 billions(an increase of SEK1.009 billions or 1.30% compares to SEK77.516 billions as at end of March 2017), broken down as SEK35.794 billions for convenience credit cards and SEK42.731 billions for extended credit cards. Out of the SEK78.525 billions outstanding, SEK54.786 billions is lending from banks(SEK26.250 billions for convenience credit and SEK28.535 billions for extended credit) and SEK23.739 billions is lending from finance companies(SEK9.543 billions for convenience credit and SEK14.196 billions for extended credit).

As at 31st May 2017, there are 23,905,000 convenience credit cards and extended credit cards(an increase of 82,000 or 0.34% compares to 23,823,000 as at end of April 2017), brokendown into 20,969,000 issued by banks and 2,936,000 by finance companies. The outstanding balance for convenience credit cards and extended credit cards stood at SEK76.839 billions(a decrease of SEK1.686 billions or 2.15% compares to SEK78.525 billions as at end of April 2017), broken down as SEK34.127 billions for convenience credit cards and SEK42.712 billions for extended credit cards. Out of the SEK76.839 billions outstanding, SEK53.158 billions is lending from banks(SEK24.551 billions for convenience credit and SEK28.607 billions for extended credit) and SEK23.681 billions is lending from finance companies(SEK9.576 billions for convenience credit and SEK14.105 billions for extended credit).

As at 30th June 2017, there are 24,158,000 convenience credit cards and extended credit cards(an increase of 253,000 or 1.06% compares to 23,905,000 as at end of May 2017), brokendown into 21,233,000 issued by banks and 2,925,000 by finance companies. The outstanding balance for convenience credit cards and extended credit cards stood at SEK77.938 billions(an increase of SEK1.099 billions or 2.15% compares to SEK76.839 billions as at end of May 2017), broken down as SEK34.655 billions for convenience credit cards and SEK43.283 billions for extended credit cards. Out of the SEK77.938 billions outstanding, SEK53.694 billions is lending from banks(SEK25.067 billions for convenience credit and SEK28.627 billions for extended credit) and SEK24.244 billions is lending from finance companies(SEK9.588 billions for convenience credit and SEK14.656 billions for extended credit).

As at 31st July 2017, there are 24,192,000 convenience credit cards and extended credit cards(an increase of 34,000 or 0.14% compares to 24,158,000 as at end of June 2017), brokendown into 21,264,000 issued by banks and 2,928,000 by finance companies. The outstanding balance for convenience credit cards and extended credit cards stood at SEK77.834 billions(a decrease of SEK0.104 billions or 0.13% compares to SEK77.938 billions as at end of June 2017), broken down as SEK34.497 billions for convenience credit cards and SEK43.337 billions for extended credit cards. Out of the SEK77.834 billions outstanding, SEK53.550 billions is lending from banks(SEK24.893 billions for convenience credit and SEK28.657 billions for extended credit) and SEK24.285 billions is lending from finance companies(SEK9.604 billions for convenience credit and SEK14.681 billions for extended credit).

As at 31st August 2017, there are 24,219,000 convenience credit cards and extended credit cards(an increase of 27,000 or 0.11% compares to 24,192,000 as at end of July 2017), brokendown into 21,297,000 issued by banks and 2,922,000 by finance companies. The outstanding balance for convenience credit cards and extended credit cards stood at SEK77.144 billions(a decrease of SEK0.690 billions or 0.89% compares to SEK77.834 billions as at end of July 2017), broken down as SEK33.828 billions for convenience credit cards and SEK43.316 billions for extended credit cards. Out of the SEK77.144 billions outstanding, SEK52.876 billions is lending from banks(SEK24.227 billions for convenience credit and SEK28.649 billions for extended credit) and SEK24.268 billions is lending from finance companies(SEK9.601 billions for convenience credit and SEK14.667 billions for extended credit).

Card credits, convenience credit cards and extended credit cards
Convenience credit card credit (also called delayed debit card credit is a card credit to which no interest rate is charged from the moment the card is used until the next invoice is settled. The holder of the convenience credit card is granted an interest-free grace, usually between 30 and 40 days, with payment of the amount debited from the account for a certain period after which the debt is repaid. Today it is common that the card holder, after the interest rate free period, can choose to split the reimbursement and pay interest rate. The remaining credit in such cases is to be seen as credit card credits.
An extended credit card credit (also called credit card credit) is a credit not settled by the next invoicing and usually, there is an interest rate linked to the credit card credit.

This monthly report is not comparable to the yearly report due to different sources, where reporting method and approach do not match.

Credit Cards in Sweden 2015-2016

As of 2016, Sweden has a population of 9.9 millions with a GDP(gross domestic product) of €462.1 billions. This translates into €46.6 thousands of GDP per capita. Sweden contributes 3.1% of the EU total GDP.

As at 31st December 2016, there are 21,046,800 payment cards issued in Sweden(2.13 cards per capita), a decrease of 682,100 or 3.14% compares to 21,728,900 in 2015. There are 8,946,900 credit cards in Sweden as at 31st December 2016, an increase of 310,200 or 3.59% compares to 8,636,700 in 2015. In the same period, there are 636,100 cards with a credit and/or delayed debit function in Sweden, a decrease of 2,428,500 or 79.24% compares to 3,064,600 in 2015. Debit cards decrease by 1,894,100 or 14.32% to 11,336,200 in 2016, compares to 13,230,300 in 2015.

Total Card Payments in Volume and Value
For 2016, there are 3,166.0 millions of card payment transactions in Sweden, an increase of 321 millions or 11.28% compares to 2,845.0 millions in 2015. This also translates into 319.80 transactions per capita, making Sweden one of the highest in Europe on number of card payment transactions per capita, behind Norway. Out of these transactions, 362.0 millions or 11.43% is paid by credit cards, an increase of 70 millions or 23.97% compares to 292.0 millions in 2015. Whereas 139.0 millions is paid by cards with a credit and/or delayed debit function, a decrease of 10 millions or 6.71% compares to 149.0 millions in 2015. The rest of card payment transactions(2665.0 millions) are paid by debit cards, an increase of 261 millions or 10.86% compares to 2404.0 millions in 2015. Sweden total card payment transactions volume contributes 5.3% to the EU total number of transactions.

The total card payments for 2016 is €105.9 billions in value(€10.70 thousands per capita - one of the highest in Europe), an increase of €7.9 billions or 8.06% compares to €98.0 billions in 2015. This also translates into €33.45 per card payment transaction, a decrease from €34.45 in 2015. Out of these transactions, €18.9 billions or 17.85% is paid by credit cards, an increase of €3 billions or 18.87% compares to €15.9 billions in 2015. Whereas €5.4 billions or 14.72% is paid by cards with a credit and/or delayed debit function, a decrease of €0.8 billions or 12.90% compares to €6.2 billions in 2015. The rest of card payments, €81.6 billions in value is paid by debit cards, an increase of €5.7 billions or 7.51% compares to €75.9 billions in 2015. Sweden total card payment value contributes 3.6% to the EU total transactions value.

Monthly Sweden Credit Card Statistics 2016

As at 31st January 2016, there are 21,833,000 convenience credit cards and extended credit cards(an increase of 17,000 or 0.08% compares to 21,816,000 as at end of December 2015), brokendown into 18,745,000 issued by banks and 3,087,000 by finance companies. The outstanding balance for convenience credit cards and extended credit cards stood at SEK66.458 billions(an increase of SEK2.118 billions or 3.29% compares to SEK64.340 billions as at end of December 2015), broken down as SEK29.196 billions for convenience credit cards and SEK37.261 billions for extended credit cards. Out of the SEK66.458 billions outstanding, SEK44.322 billions is lending from banks(SEK19.175 billions for convenience credit and SEK25.148 billions for extended credit) and SEK22.136 billions is lending from finance companies(SEK10.022 billions for convenience credit and SEK12.114 billions for extended credit).

As at 29th February 2016, there are 21,799,000 convenience credit cards and extended credit cards(a decrease of 34,000 or 0.16% compares to 21,833,000 as at end of January 2016), brokendown into 18,713,000 issued by banks and 3,086,000 by finance companies. The outstanding balance for convenience credit cards and extended credit cards stood at SEK66.180 billions(a decrease of SEK0.278 billions or 0.42% compares to SEK66.458 billions as at end of January 2016), broken down as SEK28.990 billions for convenience credit cards and SEK37.190 billions for extended credit cards. Out of the SEK66.180 billions outstanding, SEK44.066 billions is lending from banks(SEK18.958 billions for convenience credit and SEK25.108 billions for extended credit) and SEK22.114 billions is lending from finance companies(SEK10.033 billions for convenience credit and SEK12.081 billions for extended credit).

As at 31st March 2016, there are 21,834,000 convenience credit cards and extended credit cards(an increase of 35,000 or 0.16% compares to 21,799,000 as at end of February 2016), brokendown into 18,796,000 issued by banks and 3,039,000 by finance companies. The outstanding balance for convenience credit cards and extended credit cards stood at SEK66.188 billions(an increase of SEK0.008 billions or 0.01% compares to SEK66.180 billions as at end of February 2016), broken down as SEK28.890 billions for convenience credit cards and SEK37.298 billions for extended credit cards. Out of the SEK66.188 billions outstanding, SEK44.727 billions is lending from banks(SEK19.343 billions for convenience credit and SEK25.384 billions for extended credit) and SEK21.461 billions is lending from finance companies(SEK9.547 billions for convenience credit and SEK11.914 billions for extended credit).

As at 30th April 2016, there are 21,896,000 convenience credit cards and extended credit cards(an increase of 62,000 or 0.28% compares to 21,834,000 as at end of March 2016), brokendown into 18,856,000 issued by banks and 3,041,000 by finance companies. The outstanding balance for convenience credit cards and extended credit cards stood at SEK67.246 billions(an increase of SEK1.058 billions or 1.60% compares to SEK66.188 billions as at end of March 2016), broken down as SEK29.711 billions for convenience credit cards and SEK37.535 billions for extended credit cards. Out of the SEK67.246 billions outstanding, SEK45.729 billions is lending from banks(SEK20.081 billions for convenience credit and SEK25.648 billions for extended credit) and SEK21.517 billions is lending from finance companies(SEK9.630 billions for convenience credit and SEK11.887 billions for extended credit).

As at 31st May 2016, there are 21,949,000 convenience credit cards and extended credit cards(an increase of 53,000 or 0.24% compares to 21,896,000 as at end of April 2016), brokendown into 18,906,000 issued by banks and 3,043,000 by finance companies. The outstanding balance for convenience credit cards and extended credit cards stood at SEK67.944 billions(an increase of SEK0.698 billions or 1.04% compares to SEK67.246 billions as at end of April 2016), broken down as SEK30.359 billions for convenience credit cards and SEK37.585 billions for extended credit cards. Out of the SEK67.944 billions outstanding, SEK46.450 billions is lending from banks(SEK20.628 billions for convenience credit and SEK25.822 billions for extended credit) and SEK21.494 billions is lending from finance companies(SEK9.730 billions for convenience credit and SEK11.763 billions for extended credit).

As at 30th June 2016, there are 21,904,000 convenience credit cards and extended credit cards(a decrease of 45,000 or 0.21% compares to 21,949,000 as at end of May 2016), brokendown into 18,876,000 issued by banks and 3,028,000 by finance companies. The outstanding balance for convenience credit cards and extended credit cards stood at SEK68.258 billions(an increase of SEK0.314 billions or 0.46% compares to SEK67.944 billions as at end of May 2016), broken down as SEK30.660 billions for convenience credit cards and SEK37.598 billions for extended credit cards. Out of the SEK68.258 billions outstanding, SEK46.426 billions is lending from banks(SEK20.840 billions for convenience credit and SEK25.586 billions for extended credit) and SEK21.832 billions is lending from finance companies(SEK9.820 billions for convenience credit and SEK12.013 billions for extended credit).

As at 31st July 2016, there are 21,921,000 convenience credit cards and extended credit cards(an increase of 17,000 or 0.08% compares to 21,904,000 as at end of June 2016), brokendown into 18,890,000 issued by banks and 3,031,000 by finance companies. The outstanding balance for convenience credit cards and extended credit cards stood at SEK68.572 billions(an increase of SEK0.314 billions or 0.46% compares to SEK68.258 billions as at end of June 2016), broken down as SEK30.584 billions for convenience credit cards and SEK37.988 billions for extended credit cards. Out of the SEK68.572 billions outstanding, SEK46.688 billions is lending from banks(SEK20.748 billions for convenience credit and SEK25.939 billions for extended credit) and SEK21.885 billions is lending from finance companies(SEK9.836 billions for convenience credit and SEK12.049 billions for extended credit).

As at 31st August 2016, there are 21,894,000 convenience credit cards and extended credit cards(a decrease of 27,000 or 0.12% compares to 21,921,000 as at end of July 2016), brokendown into 18,858,000 issued by banks and 3,037,000 by finance companies. The outstanding balance for convenience credit cards and extended credit cards stood at SEK68.433 billions(a decrease of SEK0.139 billions or 0.20% compares to SEK68.572 billions as at end of July 2016), broken down as SEK30.197 billions for convenience credit cards and SEK38.237 billions for extended credit cards. Out of the SEK68.433 billions outstanding, SEK46.577 billions is lending from banks(SEK20.626 billions for convenience credit and SEK25.951 billions for extended credit) and SEK21.857 billions is lending from finance companies(SEK9.571 billions for convenience credit and SEK12.286 billions for extended credit).

As at 30th September 2016, there are 21,858,000 convenience credit cards and extended credit cards(a decrease of 26,000 or 0.16% compares to 21,894,000 as at end of August 2016), brokendown into 18,825,000 issued by banks and 3,033,000 by finance companies. The outstanding balance for convenience credit cards and extended credit cards stood at SEK68.839 billions(an increase of SEK0.406 billions or 0.59% compares to SEK68.433 billions as at end of August 2016), broken down as SEK30.076 billions for convenience credit cards and SEK38.763 billions for extended credit cards. Out of the SEK68.839 billions outstanding, SEK46.583 billions is lending from banks(SEK20.591 billions for convenience credit and SEK25.992 billions for extended credit) and SEK22.256 billions is lending from finance companies(SEK9.485 billions for convenience credit and SEK12.771 billions for extended credit).

As at 31st October 2016, there are 21,576,000 convenience credit cards and extended credit cards(a decrease of 282,000 or 1.29% compares to 21,858,000 as at end of September 2016), brokendown into 18,539,000 issued by banks and 3,037,000 by finance companies. The outstanding balance for convenience credit cards and extended credit cards stood at SEK69.366 billions(an increase of SEK0.527 billions or 0.77% compares to SEK68.839 billions as at end of September 2016), broken down as SEK30.351 billions for convenience credit cards and SEK39.015 billions for extended credit cards. Out of the SEK69.366 billions outstanding, SEK47.049 billions is lending from banks(SEK20.859 billions for convenience credit and SEK26.282 billions for extended credit) and SEK22.317 billions is lending from finance companies(SEK9.554 billions for convenience credit and SEK12.764 billions for extended credit).

As at 30th November 2016, there are 21,638,000 convenience credit cards and extended credit cards(an increase of 62,000 or 0.29% compares to 21,576,000 as at end of October 2016), brokendown into 18,596,000 issued by banks and 3,041,000 by finance companies. The outstanding balance for convenience credit cards and extended credit cards stood at SEK69.508 billions(an increase of SEK0.142 billions or 0.20% compares to SEK69.366 billions as at end of October 2016), broken down as SEK30.415 billions for convenience credit cards and SEK39.0693 billions for extended credit cards. Out of the SEK69.508 billions outstanding, SEK47.142 billions is lending from banks(SEK20.859 billions for convenience credit and SEK26.282 billions for extended credit) and SEK22.366 billions is lending from finance companies(SEK9.555 billions for convenience credit and SEK12.811 billions for extended credit).

As at 31st December 2016, there are 21,624,000 convenience credit cards and extended credit cards(a decrease of 14,000 or 0.06% compares to 21,638,000 as at end of November 2016), brokendown into 18,610,000 issued by banks and 3,015,000 by finance companies. The outstanding balance for convenience credit cards and extended credit cards stood at SEK67.195 billions(a decrease of SEK2.313 billions or 3.33% compares to SEK69.508 billions as at end of November 2016), broken down as SEK27.625 billions for convenience credit cards and SEK39.570 billions for extended credit cards. Out of the SEK67.195 billions outstanding, SEK44.864 billions is lending from banks(SEK18.251 billions for convenience credit and SEK26.613 billions for extended credit) and SEK22.331 billions is lending from finance companies(SEK9.374 billions for convenience credit and SEK12.957 billions for extended credit).

Card credits, convenience credit cards and extended credit cards
Convenience credit card credit (also called delayed debit card credit is a card credit to which no interest rate is charged from the moment the card is used until the next invoice is settled. The holder of the convenience credit card is granted an interest-free grace, usually between 30 and 40 days, with payment of the amount debited from the account for a certain period after which the debt is repaid. Today it is common that the card holder, after the interest rate free period, can choose to split the reimbursement and pay interest rate. The remaining credit in such cases is to be seen as credit card credits.
An extended credit card credit (also called credit card credit) is a credit not settled by the next invoicing and usually, there is an interest rate linked to the credit card credit.

This monthly report is not comparable to the yearly report due to different sources, where reporting method and approach do not match.

Credit Cards in Sweden 2014-2015

As of 2015, Sweden has a population of 9.80 millions with a GDP(gross domestic product) of €446.95 billions. This translates into €45.61 thousands of GDP per capita. Sweden contributes 3.04% of the EU total GDP.

As at 31st December 2015, there are 21,728,920 payment cards issued in Sweden(2.22 cards per capita), a decrease of 371,080 or 1.68% compares to 22,100,000 in 2014. There are 8,636,660 credit cards in Sweden as at 31st December 2015, an increase of 3,420,660 or 65.58% compares to 5,216,000 in 2014. In the same period, there are 3,064,560 cards with a credit and/or delayed debit function in Sweden, a decrease of 1,796,440 or 36.96% compares to 4,861,000 in 2014. Debit cards increase by 1,207,360 or 10.04% to 13,230,360 in 2015, compares to 12,023,000 in 2014.

Total Card Payments in Volume and Value
For 2015, there are 2,845.00 millions of card payment transactions in Sweden, an increase of 225.06 millions or 8.59% compares to 2,619.94 millions in 2014. This also translates into 290.31 transactions per capita, making Sweden one of the highest in Europe on number of card payment transactions per capita, behind Norway. Out of these transactions, 292.00 millions or 10.26% is paid by credit cards, an increase of 147.48 millions or 102.05% compares to 144.52 millions in 2014. Whereas 149.00 millions is paid by cards with a credit and/or delayed debit function, a decrease of 112.25 millions or 42.97% compares to 261.25 millions in 2014. The rest of card payment transactions(2404.00 millions) are paid by debit cards, an increase of 189.82 millions or 8.57% compares to 2214.18 millions in 2014. Sweden total card payment transactions volume contributes 5.37% to the EU total number of transactions.

The total card payments for 2015 is €97.97 billions in value(€10.00 thousands per capita - one of the highest in Europe), a decrease of €9.80 billions or 9.09% compares to €107.77 billions in 2014. This also translates into €34.44 per card payment transaction, a decrease from €41.13 in 2014. Out of these transactions, €15.87 billions or 16.20% is paid by credit cards, an increase of €6.95 billions or 77.91% compares to €8.92 billions in 2014. Whereas €6.25 billions or 14.72% is paid by cards with a credit and/or delayed debit function, a decrease of €9.61 billions or 60.59% compares to €15.86 billions in 2014. The rest of card payments, €75.84 billions in value is paid by debit cards, a decrease of €7.16 billions or 8.63% compares to €83.00 billions in 2014. Sweden total card payment value contributes 3.79% to the EU total transactions value.

Monthly Sweden Credit Card Statistics 2015

As at 31st December 2015, there are 21,816,000 convenience credit cards and extended credit cards(an increase of 304,000 or 1.41% compares to 21,512,000 as at end of November 2015), brokendown into 18,734,000 issued by banks and 3,082,000 by finance companies. The outstanding balance for convenience credit cards and extended credit cards stood at SEK64.340 billions(a decrease of SEK4.086 billions or 5.97% compares to SEK68.426 billions as at end of November 2015), broken down as SEK26.863 billions for convenience credit cards and SEK37.477 billions for extended credit cards. Out of the SEK64.340 billions outstanding, SEK42.130 billions is lending from banks(SEK16.722 billions for convenience credit and SEK25.408 billions for extended credit) and SEK22.209 billions is lending from finance companies(SEK10.140 billions for convenience credit and SEK12.069 billions for extended credit).

As at 30th November 2015, there are 21,512,000 convenience credit cards and extended credit cards(an increase of 12,000 or 0.06% compares to 21,500,000 as at end of 31st October 2015), brokendown into 18,411,000 issued by banks and 3,102,000 by finance companies. The outstanding balance for convenience credit cards and extended credit cards stood at SEK68.426 billions(a decrease of SEK1.912 billions or 2.72% compares to SEK70.338 billions as at end of October 2015), broken down as SEK30.720 billions for convenience credit cards and SEK37.707 billions for extended credit cards. Out of the SEK68.426 billions outstanding, SEK45.919 billions is lending from banks(SEK20.181 billions for convenience credit and SEK25.738 billions for extended credit) and SEK22.507 billions is lending from finance companies(SEK10.538 billions for convenience credit and SEK11.968 billions for extended credit).

As at 31st October 2015, there are 21,500,000 convenience credit cards and extended credit cards(a decrease of 430,000 or 1.96% compares to 21,930,000 as at end of 30th September 2015), brokendown into 18,401,000 issued by banks and 3,099,000 by finance companies. The outstanding balance for convenience credit cards and extended credit cards stood at SEK70.338 billions(a decrease of SEK0.133 billions or 0.19% compares to SEK70.471 billions as at end of September 2015), broken down as SEK32.482 billions for convenience credit cards and SEK37.856 billions for extended credit cards. Out of the SEK70.338 billions outstanding, SEK47.912 billions is lending from banks(SEK22.001 billions for convenience credit and SEK25.911 billions for extended credit) and SEK22.426 billions is lending from finance companies(SEK10.481 billions for convenience credit and SEK11.945 billions for extended credit).

As at 30th September 2015, there are 21,930,000 convenience credit cards and extended credit cards(a decrease of 50,000 or 0.23% compares to 21,980,000 as at end of 31st August 2015), brokendown into 18,833,000 issued by banks and 3,097,000 by finance companies. The outstanding balance for convenience credit cards and extended credit cards stood at SEK70.471 billions(a decrease of SEK0.725 billions or 1.02% compares to SEK71.196 billions as at end of August 2015), broken down as SEK32.191 billions for convenience credit cards and SEK38.279 billions for extended credit cards. Out of the SEK70.471 billions outstanding, SEK48.144 billions is lending from banks(SEK21.842 billions for convenience credit and SEK26.302 billions for extended credit) and SEK22.327 billions is lending from finance companies(SEK10.350 billions for convenience credit and SEK11.977 billions for extended credit).

As at 31st August 2015, there are 21,980,000 convenience credit cards and extended credit cards(an increase of 1,315,000 or 6.36% compares to 20,665,000 as at end of July 2015), brokendown into 18,774,000 issued by banks and 3,205,000 by finance companies. The outstanding balance for convenience credit cards and extended credit cards stood at SEK71.196 billions(an increase of SEK3.134 billions or 4.60% compares to SEK68.062 billions as at end of July 2015), broken down as SEK32.827 billions for convenience credit cards and SEK38.369 billions for extended credit cards. Out of the SEK71.196 billions outstanding, SEK48.769 billions is lending from banks(SEK22.475 billions for convenience credit and SEK26.294 billions for extended credit) and SEK22.427 billions is lending from finance companies(SEK10.352 billions for convenience credit and SEK12.075 billions for extended credit).

As at 31st July 2015, there are 20,665,000 convenience credit cards and extended credit cards(a decrease of 105,000 or 0.51% compares to 20,770,000 as at end of June 2015), brokendown into 17,471,000 issued by banks and 3,194,000 by finance companies. The outstanding balance for convenience credit cards and extended credit cards stood at SEK68.062 billions(a decrease of SEK3.982 billions or 5.53% compares to SEK72.044 billions as at end of June 2015), broken down as SEK32.808 billions for convenience credit cards and SEK35.254 billions for extended credit cards. Out of the SEK68.062 billions outstanding, SEK45.723 billions is lending from banks(SEK22.517 billions for convenience credit and SEK23.206 billions for extended credit) and SEK22.339 billions is lending from finance companies(SEK10.291 billions for convenience credit and SEK12.048 billions for extended credit).

As at 30th June 2015, there are 20,770,000 convenience credit cards and extended credit cards(a decrease of 67,000 or 0.32% compares to 20,837,000 as at end of May 2015), brokendown into 17,515,000 issued by banks and 3,255,000 by finance companies. The outstanding balance for convenience credit cards and extended credit cards stood at SEK72.044 billions(an increase of SEK0.851 billions or 1.20% compares to SEK71.193 billions as at end of May 2015), broken down as SEK33.318 billions for convenience credit cards and SEK38.726 billions for extended credit cards. Out of the SEK72.044 billions outstanding, SEK49.710 billions is lending from banks(SEK23.045 billions for convenience credit and SEK26.665 billions for extended credit) and SEK22.334 billions is lending from finance companies(SEK10.273 billions for convenience credit and SEK12.061 billions for extended credit).

As at 31st May 2015, there are 20,837,000 convenience credit cards and extended credit cards(an increase of 36,000 or 0.17% compares to 20,801,000 as at end of April 2015), brokendown into 17,572,000 issued by banks and 3,264,000 by finance companies. The outstanding balance for convenience credit cards and extended credit cards stood at SEK71.193 billions(an increase of SEK0.051 billions or 0.07% compares to SEK71.142 billions as at end of April 2015), broken down as SEK31.193 billions for convenience credit cards and SEK40.001 billions for extended credit cards. Out of the SEK71.193 billions outstanding, SEK48.618 billions is lending from banks(SEK22.264 billions for convenience credit and SEK26.354 billions for extended credit) and SEK22.575 billions is lending from finance companies(SEK8.928 billions for convenience credit and SEK13.647 billions for extended credit).

As at 30th April 2015, there are 20,801,000 convenience credit cards and extended credit cards(a decrease of 233,000 or 1.11% compares to 21,034,000 as at end of March 2015), brokendown into 17,499,000 issued by banks and 3,302,000 by finance companies. The outstanding balance for convenience credit cards and extended credit cards stood at SEK71.142 billions(an increase of SEK0.659 billions or 0.93% compares to SEK70.483 billions as at end of March 2015), broken down as SEK32.705 billions for convenience credit cards and SEK38.437 billions for extended credit cards. Out of the SEK71.142 billions outstanding, SEK48.444 billions is lending from banks(SEK21.997 billions for convenience credit and SEK26.447 billions for extended credit) and SEK22.698 billions is lending from finance companies(SEK10.708 billions for convenience credit and SEK11.990 billions for extended credit).

As at 31st March 2015, there are 21,034,000 convenience credit cards and extended credit cards(a decrease of 5,000 or 6.61% compares to 21,039,000 as at end of February 2015), brokendown into 17,737,000 issued by banks and 3,297,000 by finance companies. The outstanding balance for convenience credit cards and extended credit cards stood at SEK70.483 billions(a decrease of SEK0.853 billions or 0.02% compares to SEK71.336 billions as at end of February 2015), broken down as SEK31.746 billions for convenience credit cards and SEK38.737 billions for extended credit cards. Out of the SEK70.483 billions outstanding, SEK47.651 billions is lending from banks(SEK21.013 billions for convenience credit and SEK26.638 billions for extended credit) and SEK22.832 billions is lending from finance companies(SEK10.733 billions for convenience credit and SEK12.099 billions for extended credit).

As at 28th February 2015, there are 21,039,000 convenience credit cards and extended credit cards(an increase of 38,000 or 0.18% compares to 21,001,000 as at end of January 2015), brokendown into 17,741,000 issued by banks and 3,298,000 by finance companies. The outstanding balance for convenience credit cards and extended credit cards stood at SEK71.336 billions(an increase of SEK0.236 billions or 0.33% compares to SEK71.100 billions as at end of January 2015), broken down as SEK30.708 billions for convenience credit cards and SEK40.628 billions for extended credit cards. Out of the SEK71.336 billions outstanding, SEK48.376 billions is lending from banks(SEK20.114 billions for convenience credit and SEK28.262 billions for extended credit) and SEK22.960 billions is lending from finance companies(SEK10.594 billions for convenience credit and SEK12.366 billions for extended credit).

As at 31st January 2015, there are 21,001,000 convenience credit cards and extended credit cards(an increase of 4,000 or 0.02% compares to 20,997,000 as at end of December 2014), brokendown into 17,708,000 issued by banks and 3,293,000 by finance companies. The outstanding balance for convenience credit cards and extended credit cards stood at SEK71.100 billions(an increase of SEK1.651 billions or 2.38% compares to SEK69.449 billions as at end of December 2014), broken down as SEK31.059 billions for convenience credit cards and SEK40.041 billions for extended credit cards. Out of the SEK71.100 billions outstanding, SEK48.194 billions is lending from banks(SEK20.410 billions for convenience credit and SEK27.784 billions for extended credit) and SEK22.907 billions is lending from finance companies(SEK8.980 billions for convenience credit and SEK13.927 billions for extended credit).

Card credits, convenience credit cards and extended credit cards
Convenience credit card credit (also called delayed debit card credit is a card credit to which no interest rate is charged from the moment the card is used until the next invoice is settled. The holder of the convenience credit card is granted an interest-free grace, usually between 30 and 40 days, with payment of the amount debited from the account for a certain period after which the debt is repaid. Today it is common that the card holder, after the interest rate free period, can choose to split the reimbursement and pay interest rate. The remaining credit in such cases is to be seen as credit card credits.
An extended credit card credit (also called credit card credit) is a credit not settled by the next invoicing and usually, there is an interest rate linked to the credit card credit.

This monthly report is not comparable to the yearly report due to different sources, where reporting method and approach do not match.

Credit Cards in Sweden 2013-2014

As of 2014, Sweden has a population of 9.70 millions with a GDP(gross domestic product) of €432.69 billions. This translates into €44.63 thousands of GDP per capita. Sweden contributes 3.09% of the EU total GDP.

As at 31st December 2014, there are 22,100,000 payment cards issued in Sweden(2.28 cards per capita), an increase of 131,000 or 0.60% compares to 21,969,000 in 2013. There are 5,216,000 credit cards in Sweden as at 31st December 2014, a decrease of 533,000 or 9.27% compares to 5,749,000 in 2013. In the same period, there are 4,861,000 cards with a credit and/or delayed debit function in Sweden, an increase of 70,000 or 1.46% compares to 4,791,000 in 2013. Debit cards increase by 594,000 or 5.20% to 12,023,000 in 2014, compares to 11,429,000 in 2013.

Total Card Payments in Volume and Value
For 2014, there are 2,619.94 millions of card payment transactions in Sweden, an increase of 221.94 millions or 9.26% compares to 2,398 millions in 2013. This also translates into 270.10 transactions per capita, making Sweden one of the highest in Europe on number of card payment transactions per capita, behind Norway. Out of these transactions, 144.52 millions or 5.52% is paid by credit cards, an increase of 12.52 millions or 9.48% compares to 132 millions in 2013. Whereas 261.25 millions is paid by cards with a credit and/or delayed debit function, an increase of 25.25 millions or 10.70% compares to 236 millions in 2013. The rest of card payment transactions(2214.18 millions) are paid by debit cards, an increase of 184.18 millions or 9.07% compares to 2,030 millions in 2013. Sweden total card payment transactions volume contributes 5.52% to the EU total number of transactions.

The total card payments for 2014 is €107.77 billions in value(€11.11 thousands per capita - one of the highest in Europe), an increase of €3.74 billions or 3.60% compares to €104.03 billions in 2013. This also translates into €41.13 per card payment transaction, a decrease from €43.38 in 2013. Out of these transactions, €8.92 billions or 8.28% is paid by credit cards, an increase of €0.22 billions or 2.53% compares to €8.70 billions in 2013. Whereas €15.86 billions or 14.72% is paid by cards with a credit and/or delayed debit function, an increase of €0.67 billions or 4.41% compares to €15.19 billions in 2013. The rest of card payments, €83.00 billions in value is paid by debit cards, an increase of €2.86 billions or 3.57% compares to €80.14 billions in 2013. Sweden total card payment value contributes 4.62% to the EU total transactions value.

Monthly Sweden Credit Card Statistics 2014

As at 31st December 2014, there are 20,997,000 convenience credit cards and extended credit cards(an increase of 1,387,000 or 7.07% compares to 19,610,000 as at end of November 2014), brokendown into 17,711,000 issued by banks and 3,287,000 by finance companies. The outstanding balance for convenience credit cards and extended credit cards stood at SEK69.449 billions(a decrease of SEK2.119 billions or 2.96% compares to SEK71.568 billions as at end of November 2014), brokendown as SEK27.469 billions for convenience credit cards and SEK41.980 billions for extended credit cards. Out of the SEK69.449 billions outstanding, SEK46.544 billions is lending from banks(SEK18.215 billions for convenience credit and SEK28.330 billions for extended credit) and SEK22.905 billions is lending from finance companies(SEK9.254 billions for convenience credit and SEK13.651 billions for extended credit).

As at 30th November 2014, there are 19,610,000 convenience credit cards and extended credit cards(a decrease of 36,000 or 0.18% compares to 19,646,000 as at end of October 2014), brokendown into 16,428,000 issued by banks and 3,218,000 by finance companies. The outstanding balance for convenience credit cards and extended credit cards stood at SEK71.568 billions(an increase of SEK0.548 billions or 0.77% compares to SEK71.020 billions as at end of October 2014), brokendown as SEK30.926 billions for convenience credit cards and SEK40.643 billions for extended credit cards. Out of the SEK71.568 billions outstanding, SEK48.593 billions is lending from banks(SEK20.937 billions for convenience credit and SEK27.656 billions for extended credit) and SEK22.975 billions is lending from finance companies(SEK9.989 billions for convenience credit and SEK12.987 billions for extended credit).

As at 31st October 2014, there are 19,646,000 convenience credit cards and extended credit cards(an increase of 35,000 or 0.18% compares to 19,611,000 as at end of September 2014), brokendown into 16,402,000 issued by banks and 3,209,000 by finance companies. The outstanding balance for convenience credit cards and extended credit cards stood at SEK71.020 billions(an increase of SEK0.085 billions or 0.12% compares to SEK70.935 billions as at end of September 2014), brokendown as SEK30.892 billions for convenience credit cards and SEK40.128 billions for extended credit cards. Out of the SEK71.020 billions outstanding, SEK48.185 billions is lending from banks(SEK20.943 billions for convenience credit and SEK27.242 billions for extended credit) and SEK22.835 billions is lending from finance companies(SEK9.949 billions for convenience credit and SEK12.886 billions for extended credit).

As at 30th September 2014, there are 19,611,000 convenience credit cards and extended credit cards(a decrease of 574,000 or 2.84% compares to 20,185,000 as at end of August 2014), brokendown into 16,982,000 issued by banks and 3,203,000 by finance companies. The outstanding balance for convenience credit cards and extended credit cards stood at SEK70.935 billions(an increase of SEK1.179 billions or 1.69% compares to SEK69.756 billions as at end of August 2014), brokendown as SEK30.870 billions for convenience credit cards and SEK40.066 billions for extended credit cards. Out of the SEK70.935 billions outstanding, SEK48.044 billions is lending from banks(SEK20.871 billions for convenience credit and SEK27.174 billions for extended credit) and SEK22.891 billions is lending from finance companies(SEK9.999 billions for convenience credit and SEK12.892 billions for extended credit).

As at 31st August 2014, there are 20,185,000 convenience credit cards and extended credit cards(an increase of 702,000 or 3.60% compares to 19,483,000 as at end of July 2014), brokendown into 16,285,000 issued by banks and 3,198,000 by finance companies. The outstanding balance for convenience credit cards and extended credit cards stood at SEK69.756 billions(a decrease of SEK0.059 billions or 0.08% compares to SEK69.815 billions as at end of July 2014), brokendown as SEK30.072 billions for convenience credit cards and SEK39.684 billions for extended credit cards. Out of the SEK69.756 billions outstanding, SEK47.262 billions is lending from banks(SEK20.462 billions for convenience credit and SEK26.800 billions for extended credit) and SEK22.494 billions is lending from finance companies(SEK9.610 billions for convenience credit and SEK12.884 billions for extended credit).

As at 31st July 2014, there are 19,483,000 convenience credit cards and extended credit cards(a decrease of 6,000 or 0.03% compares to 19,489,000 as at end of June 2014), brokendown into 16,291,000 issued by banks and 3,199,000 by finance companies. The outstanding balance for convenience credit cards and extended credit cards stood at SEK69.815 billions(a decrease of SEK0.682 billions or 0.97% compares to SEK70.497 billions as at end of June 2014), brokendown as SEK30.218 billions for convenience credit cards and SEK39.597 billions for extended credit cards. Out of the SEK69.815 billions outstanding, SEK47.349 billions is lending from banks(SEK20.610 billions for convenience credit and SEK26.739 billions for extended credit) and SEK22.466 billions is lending from finance companies(SEK9.608 billions for convenience credit and SEK12.858 billions for extended credit).

As at 30th June 2014, there are 19,489,000 convenience credit cards and extended credit cards(an increase of 275,000 or 1.43% compares to 19,214,000 as at end of May 2014), brokendown into 16,291,000 issued by banks and 3,199,000 by finance companies. The outstanding balance for convenience credit cards and extended credit cards stood at SEK70.497 billions(an increase of SEK1.441 billions or 2.09% compares to SEK69.056 billions as at end of May 2014), brokendown as SEK30.538 billions for convenience credit cards and SEK39.959 billions for extended credit cards. Out of the SEK70.497 billions outstanding, SEK47.923 billions is lending from banks(SEK20.928 billions for convenience credit and SEK26.996 billions for extended credit) and SEK22.573 billions is lending from finance companies(SEK9.610 billions for convenience credit and SEK12.963 billions for extended credit).

As at 31st May 2014, there are 19,214,000 convenience credit cards and extended credit cards(a decrease of 48,000 or 0.25% compares to 19,166,000 as at end of April 2014), brokendown into 16,033,000 issued by banks and 3,181,000 by finance companies. The outstanding balance for convenience credit cards and extended credit cards stood at SEK69.056 billions(an increase of SEK0.64 billions or 0.94% compares to SEK68.416 billions as at end of April 2014), brokendown as SEK30.194 billions for convenience credit cards and SEK38.862 billions for extended credit cards. Out of the SEK69.056 billions outstanding, SEK46.627 billions is lending from banks(SEK20.253 billions for convenience credit and SEK26.374 billions for extended credit) and SEK22.429 billions is lending from finance companies(SEK9.941 billions for convenience credit and SEK12.448 billions for extended credit).

As at 30th April 2014, there are 19,166,000 convenience credit cards and extended credit cards(an increase of 219,000 or 1.16% compares to 18,947,000 as at end of March 2014), brokendown into 15,987,000 issued by banks and 3,178,000 by finance companies. The outstanding balance for convenience credit cards and extended credit cards stood at SEK68.416 billions(an increase of SEK1.069 billions or 1.59% compares to SEK67.347 billions as at end of March 2014), brokendown as SEK30.282 billions for convenience credit cards and SEK38.135 billions for extended credit cards. Out of the SEK68.416 billions outstanding, SEK46.013 billions is lending from banks(SEK20.365 billions for convenience credit and SEK25.648 billions for extended credit) and SEK22.403 billions is lending from finance companies(SEK9.916 billions for convenience credit and SEK12.487 billions for extended credit).

As at 31st March 2014, there are 18,947,000 convenience credit cards and extended credit cards(a decrease of 633,000 or 3.23% compares to 19,580,000 as at end of February 2014), brokendown into 15,765,000 issued by banks and 3,182,000 by finance companies. The outstanding balance for convenience credit cards and extended credit cards stood at SEK67.347 billions(a decrease of SEK0.348 billions or 0.51% compares to SEK67.695 billions as at end of February 2014), brokendown as SEK29.482 billions for convenience credit cards and SEK37.865 billions for extended credit cards. Out of the SEK67.347 billions outstanding, SEK44.932 billions is lending from banks(SEK19.607 billions for convenience credit and SEK25.325 billions for extended credit) and SEK22.414 billions is lending from finance companies(SEK9.875 billions for convenience credit and SEK12.539 billions for extended credit).

As at 28th February 2014, there are 19,580,000 convenience credit cards and extended credit cards(a decrease of 422,000 or 2.11% compares to 20,002,000 as at end of January 2014), brokendown into 16,428,000 issued by banks and 3,152,000 by finance companies. The outstanding balance for convenience credit cards and extended credit cards stood at SEK67.695 billions(a decrease of SEK0.804 billions or 1.17% compares to SEK68.499 billions as at end of January 2014), brokendown as SEK28.708 billions for convenience credit cards and SEK38.987 billions for extended credit cards. Out of the SEK67.695 billions outstanding, SEK45.469 billions is lending from banks(SEK19.241 billions for convenience credit and SEK26.228 billions for extended credit) and SEK22.227 billions is lending from finance companies(SEK9.467 billions for convenience credit and SEK12.759 billions for extended credit).

As at 31st January 2014, there are 20,002,000 convenience credit cards and extended credit cards(a decrease of 69,000 or 0.34% compares to 20,071,000 as at end of December 2013), brokendown into 16,852,000 issued by banks and 3,149,000 by finance companies. The outstanding balance for convenience credit cards and extended credit cards stood at SEK68.499 billions(an increase of SEK2.156 billions or 3.25% compares to SEK66.343 billions as at end of December 2013), brokendown as SEK28.986 billions for convenience credit cards and SEK39.513 billions for extended credit cards. Out of the SEK68.499 billions outstanding, SEK46.222 billions is lending from banks(SEK19.445 billions for convenience credit and SEK26.777 billions for extended credit) and SEK22.276 billions is lending from finance companies(SEK9.541 billions for convenience credit and SEK12.736 billions for extended credit).

Card credits, convenience credit cards and extended credit cards
Convenience credit card credit (also called delayed debit card credit is a card credit to which no interest rate is charged from the moment the card is used until the next invoice is settled. The holder of the convenience credit card is granted an interest-free grace, usually between 30 and 40 days, with payment of the amount debited from the account for a certain period after which the debt is repaid. Today it is common that the card holder, after the interest rate free period, can choose to split the reimbursement and pay interest rate. The remaining credit in such cases is to be seen as credit card credits.
An extended credit card credit (also called credit card credit) is a credit not settled by the next invoicing and usually, there is an interest rate linked to the credit card credit.

This monthly report is not comparable to the yearly report due to different sources, where reporting method and approach do not match.

Credit Cards in Sweden 2012-2013

As of 2013, Sweden has a population of 9.60 millions with a GDP(gross domestic product) of €435.75 billions. This translates into €45.39 thousands of GDP per capita. Sweden contributes 3.22% of the EU total GDP.

As at 31st December 2013, there are 21,969,000 payment cards issued in Sweden(2.29 cards per capita), an increase of 633,000 or 2.97% compares to 21,336,000 in 2012. There are 5,749,000 credit cards in Sweden as at 31st December 2013, an increase of 388,000 or 7.24% compares to 5,361,000 in 2012. In the same period, there are 4,791,000 cards with a credit and/or delayed debit function in Sweden, an increase of 69,000 or 1.46% compares to 4,722,000 in 2012. Debit cards increase by 176,000 or 1.56% to 11,429,000 in 2013, compares to 11,253,000 in 2012.

Total Card Payments in Volume and Value
For 2013, there are 2,398 millions of card payment transactions in Sweden, an increase of 208 millions or 9.50% compares to 2,190 millions in 2012. This also translates into 249.79 transactions per capita, making Sweden one of the highest in Europe on number of card payment transactions per capita, behind Norway. Out of these transactions, 132 millions or 5.50% is paid by credit cards, an increase of 9 millions or 7.32% compares to 123 millions in 2012. Whereas 236 millions is paid by cards with a credit and/or delayed debit function, an increase of 22 millions or 10.28% compares to 214 millions in 2012. The rest of card payment transactions(2,030 millions) are paid by debit cards, an increase of 177 millions or 9.55% compares to 1,853 millions in 2012. Sweden total card payment transactions volume contributes 5.49% to the EU total number of transactions.

The total card payments for 2013 is €104.03 billions in value(€10.84 thousands per capita - one of the highest in Europe), an increase of €6.52 billions or 6.69% compares to €97.51 billions in 2012. This also translates into €43.38 per card payment transaction, a decrease from €44.53 in 2012. Out of these transactions, €8.70 billions or 8.36% is paid by credit cards, an increase of €0.54 billions or 6.62% compares to €8.16 billions in 2012. Whereas €15.19 billions or 14.64% is paid by cards with a credit and/or delayed debit function, an increase of €0.91 billions or 6.37% compares to €14.28 billions in 2012. The rest of card payments, €80.14 billions in value is paid by debit cards, an increase of €5.08 billions or 6.77% compares to €75.06 billions in 2012. Sweden total card payment value contributes 4.83% to the EU total transactions value.

Monthly Sweden Credit Card Statistics 2013

As at 31st January 2013, there are 17,916,000 convenience credit cards and extended credit cards, brokendown into 14,797,000 issued by banks and 3,119,000 by finance companies. The outstanding balance for convenience credit cards and extended credit cards stood at SEK65.973 billions, brokendown as SEK27.168 billions for convenience credit cards and SEK38.805 billions for extended credit cards. Out of the SEK65.973 billions outstanding, SEK43.603 billions is lending from banks(SEK17.619 billions for convenience credit and SEK25.984 billions for extended credit) and SEK22.370 billions is lending from finance companies(SEK9.549 billions for convenience credit and SEK12.821 billions for extended credit).

As at 28th February 2013, there are 17,961,000 convenience credit cards and extended credit cards, brokendown into 14,833,000 issued by banks and 3,128,000 by finance companies. The outstanding balance for convenience credit cards and extended credit cards stood at SEK65.720 billions, brokendown as SEK27.047 billions for convenience credit cards and SEK38.673 billions for extended credit cards. Out of the SEK65.720 billions outstanding, SEK43.271 billions is lending from banks(SEK17.488 billions for convenience credit and SEK25.783 billions for extended credit) and SEK22.449 billions is lending from finance companies(SEK9.559 billions for convenience credit and SEK12.890 billions for extended credit).

As at 31st March 2013, there are 18,038,000 convenience credit cards and extended credit cards, brokendown into 14,887,000 issued by banks and 3,151,000 by finance companies. The outstanding balance for convenience credit cards and extended credit cards stood at SEK64.703 billions, brokendown as SEK26.728 billions for convenience credit cards and SEK37.976 billions for extended credit cards. Out of the SEK64.703 billions outstanding, SEK42.359 billions is lending from banks(SEK17.127 billions for convenience credit and SEK25.232 billions for extended credit) and SEK22.345 billions is lending from finance companies(SEK9.601 billions for convenience credit and SEK12.744 billions for extended credit).

As at 30th April 2013, there are 18,122,000 convenience credit cards and extended credit cards, brokendown into 14,965,000 issued by banks and 3,158,000 by finance companies. The outstanding balance for convenience credit cards and extended credit cards stood at SEK65.736 billions, brokendown as SEK27.757 billions for convenience credit cards and SEK37.979 billions for extended credit cards. Out of the SEK65.736 billions outstanding, SEK43.448 billions is lending from banks(SEK18.108 billions for convenience credit and SEK25.340 billions for extended credit) and SEK22.288 billions is lending from finance companies(SEK9.649 billions for convenience credit and SEK12.639 billions for extended credit).

As at 31st May 2013, there are 18,911,000 convenience credit cards and extended credit cards, brokendown into 15,744,000 issued by banks and 3,167,000 by finance companies. The outstanding balance for convenience credit cards and extended credit cards stood at SEK66.589 billions, brokendown as SEK28.350 billions for convenience credit cards and SEK38.240 billions for extended credit cards. Out of the SEK66.589 billions outstanding, SEK44.292 billions is lending from banks(SEK18.666 billions for convenience credit and SEK25.626 billions for extended credit) and SEK22.298 billions is lending from finance companies(SEK9.683 billions for convenience credit and SEK12.614 billions for extended credit).

As at 30th June 2013, there are 18,907,000 convenience credit cards and extended credit cards(an increase of 991,000 or 5.53% for the 6 months period), brokendown into 15,833,000 issued by banks and 3,074,000 by finance companies. The outstanding balance for convenience credit cards and extended credit cards stood at SEK66.504 billions(an increase of SEK0.531 billions or 0.80% for the 6 months period), brokendown as SEK27.631 billions for convenience credit cards and SEK38.873 billions for extended credit cards. Out of the SEK66.504 billions outstanding, SEK43.915 billions is lending from banks(SEK17.896 billions for convenience credit and SEK26.019 billions for extended credit) and SEK22.589 billions is lending from finance companies(SEK9.735 billions for convenience credit and SEK12.854 billions for extended credit).

As at 31st July 2013, there are 18,918,000 convenience credit cards and extended credit cards, brokendown into 15,832,000 issued by banks and 3,086,000 by finance companies. The outstanding balance for convenience credit cards and extended credit cards stood at SEK66.187 billions, brokendown as SEK27.498 billions for convenience credit cards and SEK38.689 billions for extended credit cards. Out of the SEK66.187 billions outstanding, SEK43.629 billions is lending from banks(SEK17.695 billions for convenience credit and SEK25.934 billions for extended credit) and SEK22.558 billions is lending from finance companies(SEK9.803 billions for convenience credit and SEK12.755 billions for extended credit).

As at 31st August 2013, there are 18,889,000 convenience credit cards and extended credit cards, brokendown into 15,791,000 issued by banks and 3,098,000 by finance companies. The outstanding balance for convenience credit cards and extended credit cards stood at SEK66.253 billions, brokendown as SEK27.638 billions for convenience credit cards and SEK38.615 billions for extended credit cards. Out of the SEK66.253 billions outstanding, SEK43.630 billions is lending from banks(SEK17.762 billions for convenience credit and SEK25.868 billions for extended credit) and SEK22.622 billions is lending from finance companies(SEK9.876 billions for convenience credit and SEK12.746 billions for extended credit).

As at 30th September 2013, there are 19,021,000 convenience credit cards and extended credit cards(an increase of 1,105,000 or 6.17% for the 9 months period), brokendown into 15,906,000 issued by banks and 3,114,000 by finance companies. The outstanding balance for convenience credit cards and extended credit cards stood at SEK66.755 billions(an increase of SEK0.782 billions or 1.19% for the 9 months period), brokendown as SEK27.986 billions for convenience credit cards and SEK38.769 billions for extended credit cards. Out of the SEK66.755 billions outstanding, SEK44.227 billions is lending from banks(SEK18.425 billions for convenience credit and SEK25.803 billions for extended credit) and SEK22.527 billions is lending from finance companies(SEK9.561 billions for convenience credit and SEK12.966 billions for extended credit).

As at 31st October 2013, there are 19,802,000 convenience credit cards and extended credit cards(an increase of 781,000 or 4.11% compares to 19,021,000 as at end of September), brokendown into 16,685,000 issued by banks and 3,117,000 by finance companies. The outstanding balance for convenience credit cards and extended credit cards stood at SEK66.573 billions, brokendown as SEK27.932 billions for convenience credit cards and SEK38.641 billions for extended credit cards. Out of the SEK66.573 billions outstanding, SEK44.145 billions is lending from banks(SEK18.440 billions for convenience credit and SEK25.705 billions for extended credit) and SEK22.429 billions is lending from finance companies(SEK9.492 billions for convenience credit and SEK12.936 billions for extended credit).

As at 30th November 2013, there are 19,766,000 convenience credit cards and extended credit cards(a decrease of 36,000 or 0.18% compares to 19,802,000 as at end of October), brokendown into 16,640,000 issued by banks and 3,125,000 by finance companies. The outstanding balance for convenience credit cards and extended credit cards stood at SEK66.922 billions(an increase of SEK349 millions or 0.52% compares to SEK66.573 billions as at end of October), brokendown as SEK28.655 billions for convenience credit cards and SEK38.267 billions for extended credit cards. Out of the SEK66.922 billions outstanding, SEK44.444 billions is lending from banks(SEK19.142 billions for convenience credit and SEK25.302 billions for extended credit) and SEK22.479 billions is lending from finance companies(SEK9.514 billions for convenience credit and SEK12.965 billions for extended credit).

As at 31st December 2013, there are 20,071,000 convenience credit cards and extended credit cards(an increase of 305,000 or 1.54% compares to 19,766,000 as at end of November), brokendown into 16,926,000 issued by banks and 3,144,000 by finance companies. The outstanding balance for convenience credit cards and extended credit cards stood at SEK66.343 billions(a decrease of SEK579 millions or 0.87% compares to SEK66.922 billions as at end of November), brokendown as SEK27.104 billions for convenience credit cards and SEK39.240 billions for extended credit cards. Out of the SEK66.343 billions outstanding, SEK43.937 billions is lending from banks(SEK17.500 billions for convenience credit and SEK26.437 billions for extended credit) and SEK22.406 billions is lending from finance companies(SEK9.604 billions for convenience credit and SEK12.802 billions for extended credit).

Credit Cards in Sweden 2011-2012

As of 2012, Sweden has a population of 9.52 millions with a GDP(gross domestic product) of €423.34 billions. This translates into €44.47 thousands of GDP per capita. Sweden contributes 3.16% of the EU total GDP.

As at 31st December 2012, there are 21,336,000 payment cards issued in Sweden(2.24 cards per capita), an increase of 229,000 or 1.08% compares to 21,107,000 in 2011. There are 5,361,000 credit cards in Sweden as at 31st December 2012, a decrease of 230,000 or 4.11% compares to 5,591,000 in 2011. In the same period, there are 4,722,000 cards with a credit and/or delayed debit function in Sweden, an increase of 138,000 or 3.01% compares to 4,584,000 in 2011. Debit cards increase by 321,000 or 2.94% to 11,253,000 in 2012, compares to 10,932,000 in 2011.

Total Card Payments in Volume and Value
For 2012, there are 2,190.00 millions of card payment transactions in Sweden, an increase of 207.70 millions or 10.48% compares to 1,982.30 millions in 2011. This also translates into 230.04 transactions per capita, making Sweden one of the highest in Europe on number of card payment transactions per capita, behind Norway. Out of these transactions, 123.00 millions or 5.62% is paid by credit cards, an increase of 7.8 millions or 6.77% compares to 115.20 millions in 2011. Whereas 214.00 millions is paid by cards with a credit and/or delayed debit function, an increase of 17.70 millions or 9.02% compares to 196.30 millions in 2011. The rest of card payment transactions(1,853.00 millions) are paid by debit cards, an increase of 182.10 millions or 10.90% compares to 1,670.9 millions in 2011. Sweden total card payment transactions volume contributes 5.50% to the EU total number of transactions.

The total card payments for 2012 is €97.51 billions in value(€10.24 thousands per capita - one of the highest in Europe), an increase of €9.36 billions or 10.62% compares to €88.15 billions in 2011. This also translates into €44.53 per card payment transaction, a marginal increase from €44.47 in 2011. Out of these transactions, €8.16 billions or 8.37% is paid by credit cards, an increase of €0.63 billions or 8.37% compares to €7.53 billions in 2011. Even though the number of credit card has decreased by 4.11%, it does not affect the total credit card transactions which has increased by 6.77%, plus the total value spent on credit cards has climbed upwards by 8.37%. Whereas €14.28 billions or 14.64% is paid by cards with a credit and/or delayed debit function, an increase of €1.43 billions or 11.13% compares to €12.85 billions in 2011. The rest of card payments, €75.06 billions in value is paid by debit cards, an increase of €7.28 billions or 10.74% compares to €67.78 billions in 2011. Sweden total card payment value contributes 4.79% to the EU total transactions value.

Credit Cards in Sweden 2010-2011

As of 2011, Sweden has a population of 9.45 millions with a GDP(gross domestic product) of €404.95 billions. This translates into €42.86 thousands of GDP per capita. Sweden contributes 3.08% of the EU total GDP.

As at 31st December 2011, there are 21,107,000 payment cards issued in Sweden(2.23 cards per capita), an increase of 1,073,000 or 5.36% compares to 20,034,000 in 2010. There are 5,591,000 credit cards in Sweden as at 31st December 2011, an increase of 43,000 or 0.78% compares to 5,548,000 in 2010. In the same period, there are 4,584,000 cards with a credit and/or delayed debit function in Sweden, an increase of 593,000 or 14.86% compares to 3,991,000 in 2010. Debit cards increase by 437,000 or 4.16% to 10,932,000 in 2011, compares to 10,495,000 in 2010.

Total Card Payments in Volume and Value
For 2011, there are 1,982.30 millions of card payment transactions in Sweden, an increase of 42.00 millions or 2.16% compares to 1,940.30 millions in 2010. This also translates into 209.77 transactions per capita, making Sweden one of the highest in Europe on number of card payment transactions per capita, behind Norway. Out of these transactions, 115.20 millions or 5.81% is paid by credit cards, a significant decrease of 24.20 millions or 17.36% compares to 139.40 millions in 2010. Whereas 196.30 millions is paid by cards with a credit and/or delayed debit function, a decrease of 0.40 millions or 0.20% compares to 196.70 millions in 2010. The rest of card payment transactions(1670.9 millions) are paid by debit cards, an increase of 66.70 millions or 4.16% compares to 1604.20 millions in 2010. Sweden total card payment transactions volume contributes 5.34% to the EU total number of transactions.

The total card payments for 2011 is €88.15 billions in value(€9.33 thousands per capita - one of the highest in Europe), an increase of €6.05 billions or 7.37% compares to €82.10 billions in 2010. This also translates into €44.47 per card payment transaction, an increase from €42.31 in 2010. Out of these transactions, €7.53 billions or 8.54% is paid by credit cards, similar amount as recorded in 2010. Even though the number of credit card has increased marginally by 0.78% and the total credit card transactions has decreased by 17.36%, while the total value spent on credit cards has remained steady. Whereas €12.85 billions or 14.58% is paid by cards with a credit and/or delayed debit function, an increase of €0.89 billions or 7.44% compares to €11.96 billions in 2010. The rest of card payments, €67.78 billions in value is paid by debit cards, an increase of €5.16 billions or 8.24% compares to €62.62 billions in 2010. Sweden total card payment value contributes 4.61% to the EU total transactions value.


Credit Cards in Sweden 2009-2010

As of 2010, Sweden has a population of 9.38 millions with a GDP(gross domestic product) of €369.08 billions. This translates into €39.36 thousands of GDP per capita. Sweden contributes 2.89% of the EU total GDP.

As at 31st December 2010, there are 20,034,000 payment cards issued in Sweden(2.14 cards per capita), a decrease of 184,000 or 0.91% compares to 20,218,000 in 2009. There are 5,548,000 credit cards in Sweden as at 31st December 2010, a decrease of 67,000 or 1.19% compares to 5,615,000 in 2009. In the same period, there are 3,991,000 cards with a credit and/or delayed debit function in Sweden, an increase of 583,720 or 17.13% compares to 3,407,280 in 2009. Debit cards increase by 113,000 or 1.09% to 10,495,000 in 2010, compares to 10,382,000 in 2009.

Total Card Payments in Volume and Value
For 2010, there are 1,940.30 millions of card payment transactions in Sweden, an increase of 167.20 millions or 9.43% compares to 1,773.10 millions in 2009. This also translates into 206.86 transactions per capita, making Sweden one of the highest in Europe on number of card payment transactions per capita, behind Norway. Out of these transactions, 139.40 millions or 7.18% is paid by credit cards, an increase of 31.60 millions or 29.31% compares to 107.80 millions in 2009. Whereas 196.70 millions is paid by cards with a credit and/or delayed debit function, an increase of 11.00 millions or 5.89% compares to 186.60 millions in 2009. The rest of card payment transactions(1604.20 millions) are paid by debit cards, an increase of 125.40 millions or 8.48% compares to 1478.80 millions in 2009. Sweden total card payment transactions volume contributes 5.68% to the EU total number of transactions.

The total card payments for 2010 is €82.10 billions in value(€8.75 thousands per capita - one of the highest in Europe), an increase of €11.93 billions or 17.00% compares to €70.17 billions in 2009. This also translates into €42.31 per card payment transaction, an increase from €39.57 in 2009. Out of these transactions, €7.53 billions or 9.17% is paid by credit cards, an increase of €1.63 billions or 27.63% compares to €5.90 billions in 2009. Even though the number of credit card has decreased by 1.19% , the total transactions volume and value has increased by two folds. Whereas €11.96 billions or 14.57% is paid by cards with a credit and/or delayed debit function, an increase of €1.39 billions or 13.15% compares to €10.57 billions in 2009. The rest of card payments, €62.62 billions in value is paid by debit cards, an increase of €8.92 billions or 16.61% compares to €53.70 billions in 2009. Sweden total card payment value contributes 4.61% to the EU total transactions value.


Credit Cards in Sweden 2008-2009

As of 2009, Sweden has a population of 9.30 millions with a GDP(gross domestic product) of €292.47 billions. This translates into €31.45 thousands of GDP per capita. Sweden contributes 2.48% of the EU total GDP.

As at 31st December 2009, there are 20,218,000 payment cards issued in Sweden(2.17 cards per capita), an increase of 498,000 or 2.53% compares to 19,720,000 in 2008. There are 5,615,000 credit cards in Sweden as at 31st December 2009, an increase of 293,000 or 5.51% compares to 5,322,000 in 2008. In the same period, there are 4,221,000 cards with a credit and/or delayed debit function in Sweden, a decrease of 120,000 or 2.76% compares to 4,341,000 in 2008. Debit cards increase by 325,000 or 3.23% to 10,382,000 in 2009, compares to 10,057,000 in 2008.

Total Card Payments in Volume and Value
For 2009, there are 1,773.10 millions of card payment transactions in Sweden, an increase of 122.70 millions or 7.54% compares to 1,650.40 millions in 2008. This also translates into 190.66 transactions per capita, making Sweden one of the highest in Europe on number of card payment transactions per capita, behind Norway. Out of these transactions, 107.80 millions or 6.08% is paid by credit cards, an increase of 6.7 millions or 6.63% compares to 101.10 millions in 2008. Whereas 186.60 millions is paid by cards with a credit and/or delayed debit function, an increase of 2.40 millions or 1.30% compares to 184.20 millions in 2008. The rest of card payment transactions(1478.80 millions) are paid by debit cards, an increase of 113.80 millions or 8.34% compares to 1365.00 millions in 2008. Sweden total card payment transactions volume contributes 5.62% to the EU total number of transactions.

The total card payments for 2009 is €70.17 billions in value(€7.55 thousands per capita - one of the highest in Europe), a decrease of €4.49 billions or 6.01% compares to €74.66 billions in 2008. This also translates into €39.57 per card payment transaction, a decrease from €45.24 in 2008. Out of these transactions, €5.90 billions or 8.41% is paid by credit cards, a decrease of €1.06 billions or 15.23% compares to €6.96 billions in 2008. Even though the number of credit card transations has increased, the total value has decreased which is in accordance to payment cards being used for smaller amount purchases. Whereas €10.57 billions or 15.06% is paid by cards with a credit and/or delayed debit function, a decrease of €0.42 billions or 3.82% compares to €10.99 billions in 2008. The rest of card payments, €53.70 billions in value is paid by debit cards, a decrease of €3.01 billions or 5.31% compares to €56.71 billions in 2008. Sweden total card payment value contributes 4.31% to the EU total transactions value.


Credit Cards in Sweden 2007-2008

As of 2008, Sweden has a population of 9.22 millions with a GDP(gross domestic product) of €333.26 billions. This translates into €36.14 thousands of GDP per capita. Sweden contributes 2.67% of the EU total GDP.

As at 31st December 2008, there are 19,720,000 payment cards issued in Sweden(2.14 cards per capita), an increase of 1,746,000 or 9.71% compares to 17,974,000 in 2007. There are 5,322,000 credit cards in Sweden as at 31st December 2008, an increase of 967,000 or 22.20% compares to 4,355,000 in 2007. In the same period, there are 4,341,000 cards with a credit and/or delayed debit function in Sweden, a significant increase of 398,000 or 10.09% compares to 3,943,000 in 2007. Debit cards increase by 381,000 or 3.94% to 10,057,000 in 2008, compares to 9,676,000 in 2007.

Total Card Payments in Volume and Value
For 2008, there are 1,685.00 millions of card payment transactions in Sweden, a significant increase of 227.00 millions or 15.57% compares to 1,458.00 millions in 2007. This also translates into 182.75 transactions per capita, making Sweden one of the highest in Europe on number of card payment transactions per capita, behind Finland and Norway. Out of these transactions, 94.00 millions or 5.97% is paid by credit cards, an increase of 1 millions or 1.08% compares to 93.00 millions in 2007. Whereas 192.00 millions is paid by cards with a credit and/or delayed debit function, an increase of 5.00 millions or 2.67% compares to 187.00 millions in 2007. The rest of card payment transactions(1399.000 millions) are paid by debit cards, an increase of 221.00 millions or 18.76% compares to 1178.00 millions in 2007. This is a good growth on the number of transactions considered only 3.94% increase in number debit cards issued. Sweden total card payment transactions volume contributes 5.67% to the EU total number of transactions.

The total card payments for 2008 is €72.07 billions in value(€7.82 thousands per capita - one of the highest in Europe), an increase of €5.80 billions or 8.75% compares to €66.27 billions in 2007. This also translates into €42.8 per card payment transaction, a decrease from €45.5 in 2007. Out of these transactions, €3.74 billions or 5.19% is paid by credit cards, an increase of €0.17 billions or 4.76% compares to €3.57 billions in 2007. Whereas €8.63 billions or 11.97% is paid by cards with a credit and/or delayed debit function, an increase of €1.06 billions or 14.00% compares to €7.57 billions in 2007. The rest of card payments, €59.70 billions in value is paid by debit cards, an increase of €4.56 billions or 8.27% compares to €55.14 billions in 2007. Sweden total card payment value contributes 4.39% to the EU total transactions value.

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