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Statistical Profile: Consumers & Merchants

Personal consumption expenditures profile

Purchase consumption expenditures by payment type:[1]

	Dollar Volume (bil.)	Share
Paper	$3,361.15	44.4%
Checks	$1,699.37	22.4%
Cash	$1,545.12	20.4%
Other (money orders, official checks, travelers cheques, food stamps)	$116.66	1.5%
Cards	$3,368.35	44.5%
Credit	$2,026.48	26.7%
Debit	$1,168.84	15.4%
Prepaid	$142.04	1.9%
EBT	$30.99	0.4%
Other Electronic (preauthorized payments, remote payments)	$847.51	11.2%
TOTAL	$7,577.01	100.0%

Consumer profile:

Household card penetration:

Merchant profile

Merchant penetration:

8 million merchant locations accept cards[5]

[1] The Nilson Report, Issue 915 (November 2008).

[2]Federal Reserve Board, “2004 Survey of Consumer Finances” (2004).

[3] Federal Reserve Board, “2007 Survey of Consumer Finances” (2007).

[4]Federal Reserve Board, “2007 Survey of Consumer Finances” (2007).

[5] The Nilson Report, Issue 924 (April 2009).

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