Triennial credit card penetration in Sweden 2011-2024, by demographic
According to a three-year survey, nearly five out of 10 respondents from Sweden owned a credit card in 2021, with 38 percent of them actually having used one. The difference between ownership and usage was roughly 10 percentage points in 2021, a figure comparable to the percentage points difference in 2017. The report adds that men were more likely than women to own such a payment card. Gen Z - or the age group 15 to 24 years in this survey - was sizably less likely to own a credit card than their older counterparts.