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New Data Reveals U.S. Credit Card Habits, Financial Fitness

Financial fitness is perhaps the most practical New Year’s resolution to make — and a new study by GigaPoints, a platform that provides personal credit card recommendations based on a user’s spending, revealed that credit card usage is evolving into a game of strategy, and for good reason. GigaPoints’s 2021 Credit Card Trends report said results from a new Ipsos poll illustrated how credit card usage is changing for Americans, with a strong emphasis on new generations of credit seekers, the pursuit of cashback, and a strategic eye for card choice. The Ipsos poll was conducted in late December with a sample of more than 1,000 U.S. adults. “The new year means new cards,” according to GigaPoints, as one in five respondents said they plan on opening a new account in 2021. And of the respondents opening new credit cards, GigaPoints said Gen Zers, at 40 percent and Millennials, at 33 percent, top the list — with males outnumbering females two to one. “Americans are signaling a year of change when it comes to choosing credit cards,” said Erik Budde, chief executive officer and founder of GigaPoints. “With the COVID-19 vaccine beginning to be administered nationwide and a sense of normalcy eventually coming

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