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Credit cards are a gateway to other loans

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According to a report from the credit bureau CRIF High Mark, 65% of the 4.27 crore credit card borrowers (as of September 2019) in India entered the credit ecosystem with a credit card and then graduated to other loans.

The remaining 35% or 1.51 crore users already had a credit footprint. The report also stated that a greater proportion of credit card borrowers tend towards other unsecured loans. "From the overall cards customer base, 2.76 crore graduated to other retail loans–21% availed of personal loans, followed by 18% who took consumer durables loans.

About 14% availed of auto loans, 12% home loans, followed by two-wheeler loans and gold loans (6% each)," according to the report.

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India
India
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Brazil
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Cases: 9 215 683
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Russia
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