“A credit card, used by 40’s the most (avg. spending 1,250,000KRW per month)”
- 40’s spend about 300,000KRW more than 30’s (avg. 940,000KRW)
¡⊙ Most of bank users (95.2%) possess a credit/debit card
- 2 out of 5 (41.0%) possess both credit and debit cards. Those who use a credit card only are 36.7% while those of debit card only are 17.5%
- Half of older ages and of higher incomes possess a credit card only, while 20’s, students, and lower incomes possess comparably more of
a debit card
⊙ The most issued card is ‘KB card’(48.9%)
- Followed by ‘Shinhan card(38.0%)’, ‘NH card(31.6%)’, and ‘Samsung card(31.1%)’
- Comparably more use of female ‘Lotte card(28.4%)’, 20’s ‘Woori bank/card(36.2%)’, and professions ‘Shinhan bank/card(48.5%)’
⊙ Reason for choosing a main credit card (with the most spending) is ‘point/mileage accumulation(25.5%)’
- Point/mileage accumulation is the biggest reason especially for card companies such as Hyundai card, Lotte card, and Samsung card
- Following reasons are ‘card max. limit(14.3%)’, ‘discount benefits on movie/oil/restaurant, etc.(14.0%)’
- Reason for mainly using a card of Hana bank, IBK bank, Woori bank is focused more on ‘discount benefits on movie/oil/restaurant, etc.’
⊙ Monthly card spending is avg. 1,000,000KRW, twice more than avg. cash spending
- Compared to 30’s who spend 940,000KRW, 40’s spend about 300,000KRW more (avg. 1,250,000KRW)