Few shoppers see low card rates as stimulus.

Consumers would be more likely to increase their spending if paid more than if their interest or tax payments were reduced, according to a survey commissioned by Visa U.S.A.

Of 1,000 credit card holders polled in March by the Gallup Organization, 30% said a 5% increase in pay would encourage them to spend more. By contrast, 10% said a reduction of credit card interest rates to 14% would do the same. Twelve percent said a 5% reduction in taxes would help.

Nearly three-quarters of the consumers said credit cards are at least somewhat important to them; 40% deemed them extremely or very important.

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