Almost one in every three credit cards held by Russians is inactive. about this reports Kommersant cites data from the Unified Credit Bureau (OKB).
In September alone, the unclaimed limit on issued credit cards exceeded 75 billion rubles. On an annual basis, this is almost 1 trillion rubles.
Customers do not need to activate their credit cards and spend money on them. However, banks also need to create reserves even for unused funds on credit cards that Russians keep “in reserve”.
Analysts say banks will likely soon start using new methods to encourage customers to use credit cards. For example, financial institutions may start offering large refunds.
Number of credit cards issued to Russians in September fallen increased by 16% compared to August. The limit volume decreased from 221 billion rubles in the previous month to 184.3 billion rubles.
Previously it became clearHow much credit do Russians get?