The number of credit cards issued to citizens in 2015 decreased by more than half. The decline of interest in credit cards due to the tightening of credit policy of banks. At the same time the Russians did not seek to quickly repay their debts on credit cards.
In the first quarter of 2015, Russian banks were given half credit cards than in 2014. This year, the was issued 574 million credit cards in the amount of 27.8 billion rubles, which is 57 700 and 58.2% less than in comparison with the first quarter of 2014, write “News” referring to on the report of the National Bureau of Credit Histories (NBKI).
Last year, the number of issued credit cards reached 1.1-1.3 million cards per quarter. In this regard, the total portfolio of credit card debt fell by 8.8% – from 1.453 trillion rubles to 1.325 trillion.
NBCH reports that the Russians not in a hurry to repay their debt. In the first quarter of 2015 closed 437 thousand cards issued totaling 19.6 billion rubles. This is less to 8.59 billion and 4% higher than in the same period in 2014.
However, a “card” loans to Russian borrowers were treated more carefully. If the July-August 2012 the share of overdue loans ranged from 12.4 to 15.6% in mid-2014, this figure dropped significantly to 6.9-7.3%.
It is noteworthy that the least take credit cards in Moscow – 247 cards per thousand of economically active citizens. The biggest indicator in the republic of Bashkortostan – 567 cards per thousand. At the same time in Russia on average per thousand 311 cards fall.
According to experts decreased interest credit cards takes due to the tightening of credit policy of banks. “High interest rates on unsecured loans the first quarter is really reduced the interest in this product from the borrowers. C on the other hand, the banks due to the decline in risk appetite more closely related to the choice of the borrower and, accordingly, issue credit cards more cautiously, “- said the expert NBCH Alexey Volkov.
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