The forecasted number of credit cards per inhabitant in the US shows a slight decline from 3.21 in 2024 to 3.15 by 2028. This marks a minor downward trend with a negligible year-on-year variation. Since 2024 projections start immediately, past trends are not fully considered as benchmarks. The compound annual growth rate (CAGR) remains negative, indicating a small but consistent decrease in the number of credit cards per person over five years.

Future trends to watch for:

A shift in consumer preferences towards alternative credit methods such as digital wallets and buy-now-pay-later options.
Impact of regulatory changes on credit card offerings and consumer behavior.
Evolving demographic influences, including younger generations' choices in credit usage.