FICO UK Credit Card Market Report: February 2026

LONDON--(BUSINESS WIRE)--The latest credit card data analysis by global analytics software leader FICO (NYSE: FICO) shows the typical recovery in spending following January's post-Christmas decline. However, the structural affordability challenges that defined 2025 remain, with payment rates continuing to trend down and balance levels for accounts with missed payments higher than this time last year. These may increase going forward due to rising energy prices. Key Findings: Spending rose by 5.