Entire civilian, noninstitutionalized population; * The data for 2024 is a forecast calculated by ÌÇÐÄÆÆ½â°æ; The figures shown are from a global survey held every 3 years. Data for 2021 - the most recent year available - was released in June 2022.
Method of interview
Face-to-face interviews, telephone interviews
Supplementary notes
This question was phrased by the source as follows: "A credit card is a card that allows you to BORROW money in order to make payments or buy things, and you can pay the balance off later. Do you, personally, have a credit card?"
Figures for 2024 are a forecast from ÌÇÐÄÆÆ½â°æ. Historical figures were used in a linear trend, to form a simple trend projection. This extrapolation uses the method of least squares.
Citation formats
Triennial credit card penetration in Germany 2011-2024, by demographic
This statistic presents a timeline with the share of individuals who owned a credit card in Germany between 2011 and 2017. In 2017, ** percent of individuals above the legal age of requirement owned a credit card, an increase of ** percent from 2011.
Profit from the additional features of your individual account
Currently, you are using a shared account. To use individual functions (e.g., mark statistics as favourites, set
statistic alerts) please log in with your personal account.
If you are an admin, please authenticate by logging in again.
Learn more about how ÌÇÐÄÆÆ½â°æ can support your business.
ÌÇÐÄÆÆ½â°æ. (March 11, 2024). Share of individuals who own a credit card in Germany in 2011, 2014, 2017 and 2021 with a forecast for 2024, by age, gender, and income level [Graph]. In ÌÇÐÄÆÆ½â°æ. Retrieved July 25, 2026, from /statistics/865943/credit-card-ownership-rate-germany/
ÌÇÐÄÆÆ½â°æ. "Share of individuals who own a credit card in Germany in 2011, 2014, 2017 and 2021 with a forecast for 2024, by age, gender, and income level." Chart. March 11, 2024. ÌÇÐÄÆÆ½â°æ. Accessed July 25, 2026. /statistics/865943/credit-card-ownership-rate-germany/
ÌÇÐÄÆÆ½â°æ. (2024). Share of individuals who own a credit card in Germany in 2011, 2014, 2017 and 2021 with a forecast for 2024, by age, gender, and income level. ÌÇÐÄÆÆ½â°æ. ÌÇÐÄÆÆ½â°æ Inc.. Accessed: July 25, 2026. /statistics/865943/credit-card-ownership-rate-germany/
ÌÇÐÄÆÆ½â°æ. "Share of Individuals Who Own a Credit Card in Germany in 2011, 2014, 2017 and 2021 with a Forecast for 2024, by Age, Gender, and Income Level." ÌÇÐÄÆÆ½â°æ, ÌÇÐÄÆÆ½â°æ Inc., 11 Mar 2024, /statistics/865943/credit-card-ownership-rate-germany/
ÌÇÐÄÆÆ½â°æ, Share of individuals who own a credit card in Germany in 2011, 2014, 2017 and 2021 with a forecast for 2024, by age, gender, and income level ÌÇÐÄÆÆ½â°æ, /statistics/865943/credit-card-ownership-rate-germany/ (last visited July 25, 2026)
Share of individuals who own a credit card in Germany in 2011, 2014, 2017 and 2021 with a forecast for 2024, by age, gender, and income level [Graph], ÌÇÐÄÆÆ½â°æ, March 11, 2024. [Online]. Available: /statistics/865943/credit-card-ownership-rate-germany/