本港首季信用卡總數按季跌0.5% 交易總額縮11%
金管局今日(19日)公布2020年首季在香港發行的支付卡的統計資料。據季度統計資料,於2020年首季末,在市面流通的信用卡總數為1,961萬張,按季下跌0.5%,按年則上升0.6%。信用卡交易量及金額(包括零售銷售及現金貸款)容易受季節因素及整體經濟環境影響,走勢較為波動。在2020年首季,信用卡總交易量近2.03億宗,按季減少5%,按年同期則增加5.9%。2020年首季的信用卡交易總額為1,704億港元,按季減少11%,按年同期減少11.8%。交易總額當中,1,315億港元(77.2%)為香港消費,271億港元(15.9%)為海外消費,118億港元(6.9%)為現金貸款。
扣帳卡方面,由於同一張扣帳卡可包含多於一個扣帳卡品牌,因此難以計算在市面流通的扣帳卡總數。正如信用卡交易的情形一樣,涉及零售銷售及支付帳單的扣帳卡交易量及金額亦會受季節因素影響。在2020年首季,涉及零售銷售及支付帳單的扣帳卡總交易量按季減少18.3%至3,781萬宗,總額則按季增加0.9%至854億港元。與2019年同期比較,2020年首季的扣帳卡總交易量減少2.6%,總額減少5.3%。
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