This indicator measures the annual percentage change in the total value of transactions made using credit cards within a specific economy. It serves as a high-frequency proxy for consumer confidence and overall retail health, reflecting shifts in discretionary spending patterns. Analysts monitor this data to gauge the strength of domestic demand, as credit card usage often correlates with household financial stability and willingness to consume. Significant fluctuations can provide early signals of changes in broader economic growth and inflationary pressures.
The data is compiled by aggregating electronic transaction records from major commercial banks and payment processors. The year-over-year (YoY) figure is calculated by comparing the total nominal value of credit card purchases in the current month to the same month in the previous year.
| Date | Actual | Forecast | Surprise |
|---|---|---|---|
| Aug 21, 2026 | 5.30 | 2.80 | +2.50 |
| Jul 22, 2026 | 3.10 | — | — |
| May 21, 2026 | 2.90 | — | — |
| Apr 23, 2026 | 2.10 | — | — |
| Mar 20, 2026 | -1.10 | — | — |
| Feb 23, 2026 | 1.00 | — | — |
| Feb 22, 2026 | 1.00 | — | — |
| Jan 27, 2026 | -0.30 | — | — |
| Dec 19, 2025 | 4.70 | 2.00 | +2.70 |
| Nov 21, 2025 | 1.40 | 0.40 | +1.00 |
| Oct 21, 2025 | 0.20 | 3.70 | -3.50 |
| Sep 19, 2025 | 3.50 | 1.70 | +1.80 |
| Aug 21, 2025 | 1.40 | — | — |
| Jul 18, 2025 | 0.90 | 2.40 | -1.50 |
| Jun 24, 2025 | 2.20 | 0.30 | +1.90 |
| May 21, 2025 | 0.50 | 0.20 | +0.30 |
| Apr 23, 2025 | 0.80 | 0.20 | +0.60 |
| Mar 21, 2025 | 0.90 | 1.10 | -0.20 |
| Feb 24, 2025 | 1.30 | -1.20 | +2.50 |
| Jan 24, 2025 | -1.40 | — | — |
| Dec 20, 2024 | -3.20 | 0.50 | -3.70 |
| Nov 21, 2024 | 0.30 | — | — |
| Oct 21, 2024 | -3.20 | — | — |
| Sep 20, 2024 | -3.10 | — | — |
| Aug 21, 2024 | -3.80 | — | — |
| Jul 19, 2024 | -3.10 | — | — |
| May 21, 2024 | -0.60 | 1.80 | -2.40 |
| Apr 22, 2024 | 1.40 | 2.10 | -0.70 |
| Mar 21, 2024 | 2.20 | 0.80 | +1.40 |
| Feb 22, 2024 | -0.30 | 4.50 | -4.80 |
| Jan 24, 2024 | 4.30 | 3.60 | +0.70 |
| Dec 21, 2023 | 3.30 | -4.00 | +7.30 |
| Nov 21, 2023 | -2.90 | 2.70 | -5.60 |
| Oct 20, 2023 | 3.30 | 4.60 | -1.30 |
| Sep 21, 2023 | 4.20 | — | — |
| Aug 21, 2023 | 3.60 | — | — |
| Jul 24, 2023 | 5.00 | 9.90 | -4.90 |
| Jun 22, 2023 | 3.30 | 13.90 | -10.60 |
| May 19, 2023 | 11.40 | 12.50 | -1.10 |
| Apr 26, 2023 | 20.30 | — | — |
| Mar 21, 2023 | 25.60 | — | — |
| Feb 22, 2023 | 17.90 | — | — |
| Jan 25, 2023 | 12.40 | — | — |
| Dec 21, 2022 | 16.00 | — | — |
| Nov 21, 2022 | 24.80 | — | — |
| Oct 21, 2022 | 34.10 | — | — |
| Sep 21, 2022 | 29.40 | — | — |
| Aug 19, 2022 | 4.90 | — | — |
| Jul 21, 2022 | 3.50 | — | — |
| Jun 22, 2022 | 2.20 | — | — |
| Date | First print | Current | Revision |
|---|---|---|---|
| Jul 22, 2026 | 3.10 | 3.10 | 0 ↓ |
