November 2025 Credit Card Spending Analysis
Written by Emily J. Thompson, Senior Investment Analyst
Updated: 1h ago
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Source: Newsfilter
- Spending Trend Analysis: In November 2025, credit card spending rose by 2.6% from October to an average of £785, yet it was down 2.4% year-on-year, indicating ongoing financial pressure on households and reduced consumer spending capacity during the Christmas shopping season.
- Balances and Payment Rates: Average active balances reached £1,915, reflecting a month-on-month increase of 0.8% and a year-on-year rise of 5%, while the payment rate dropped to 33.4%, down 2.8% from the previous month, suggesting consumers are carrying higher debt loads, complicating recovery efforts.
- Increase in Overlimit Accounts: The number of accounts exceeding their limits increased by 6.4% month-on-month and 5.9% year-on-year in November, necessitating enhanced monitoring by risk and collections teams to identify customers showing early signs of payment distress to prevent further delinquencies.
- Cash Withdrawal Trends: The percentage of customers using credit cards for cash withdrawals saw a significant decline, decreasing by 12.3% from the previous month and 15.2% year-on-year, reflecting a cautious approach to cash flow management among consumers, which may impact overall spending capacity.
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Analyst Views on FICO
Wall Street analysts forecast FICO stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for FICO is 2070 USD with a low forecast of 1700 USD and a high forecast of 2400 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
11 Analyst Rating
8 Buy
3 Hold
0 Sell
Moderate Buy
Current: 1525.670
Low
1700
Averages
2070
High
2400
Current: 1525.670
Low
1700
Averages
2070
High
2400
About FICO
Fair Isaac Corporation is an applied analytics software company. The Company is focused on using predictive analytics and data science to improve operational decisions. The Company operates through two segments: Scores and Software. The Scores segment includes the Company's business-to-business scoring solutions and services which give its clients access to predictive credit and other scores. This segment includes its business-to-consumer scoring solutions, including its myFICO.com subscription offerings. The Company’s Software segment includes pre-configured analytic and decision management solutions designed for a specific type of business need or process, such as account origination, customer management, customer engagement, fraud detection and marketing as well as associated professional services. This segment includes FICO Platform, a modular software offering designed to support advanced analytic and decision use cases as well as stand-alone analytic and decisioning software.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
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November 2025 Credit Card Spending Analysis
- Spending Trend Analysis: In November 2025, credit card spending rose by 2.6% from October to an average of £785, yet it was down 2.4% year-on-year, indicating ongoing financial pressure on households and reduced consumer spending capacity during the Christmas shopping season.
- Balances and Payment Rates: Average active balances reached £1,915, reflecting a month-on-month increase of 0.8% and a year-on-year rise of 5%, while the payment rate dropped to 33.4%, down 2.8% from the previous month, suggesting consumers are carrying higher debt loads, complicating recovery efforts.
- Increase in Overlimit Accounts: The number of accounts exceeding their limits increased by 6.4% month-on-month and 5.9% year-on-year in November, necessitating enhanced monitoring by risk and collections teams to identify customers showing early signs of payment distress to prevent further delinquencies.
- Cash Withdrawal Trends: The percentage of customers using credit cards for cash withdrawals saw a significant decline, decreasing by 12.3% from the previous month and 15.2% year-on-year, reflecting a cautious approach to cash flow management among consumers, which may impact overall spending capacity.
Continue Reading