Personal Cardholder Study

The Ipsos Personal Cardholder Study (PCS) is a syndicated multi-client research program on the ownership and use of personal credit/charge cards, gas cards and retail cards; as well as rewards and loyalty programs. Clients include major card networks, issuers and loyalty program operators.

Topics covered in the quarterly PCS survey include:

  • Share and amount of personal spend
  • Card ownership & share of cards in market
  • Credit card churn (acquisition, cancellation, switching)
  • Use of payment methods
  • Perception of payment methods
  • Reward programs
  • Revolving and card balance
  • Cardholder & non-cardholder demographics
  • Reasons for not owning a credit card