According to FICO's June 2026 figures, the proportion of balances repaid dropped 2.4% month-on-month to 33.3%, while the average active balance increased 1.4% to a record £1,975 ($2,693). Average card spend also rose 5.6% to £835 ($1,138). FICO noted that while increased spending could signal economic confidence, the decline in repayment performance and rising missed payments across all delinquency bands indicate persistent underlying affordability pressures for consumers, raising concerns for risk teams.