UK credit card holders reduced the share of balances they paid off in June, while spending and outstanding balances moved higher, according to June 2026 figures compiled by FICO.
Over the same period, the average active balance increased 1.4% to £1,975 ($2,693), the highest level in the series and 4.7% above June 2025
Repayment performance declined during the month. The proportion of balances repaid fell 2.4% month-on-month to 33.3%, leaving it 4.4% lower than a year earlier. The data shows average card spend rose 5.6% from the previous month to £835 ($1138).
Missed-payment rates also increased across all three delinquency bands tracked in the data. The share of customers missing one payment was 7.7% higher than a year earlier, while the average balance on those accounts rose 4.1%. For customers behind by two payments, volumes increased 5.5% from May and 9.1% year-on-year.