The Perception Pitfall: Consumer Credit Confidence is Off-Track
Did you know that 42% of consumers doubt they would be approved for a new credit card? That’s almost 3x the rate of actual denials among those without credit cards. There is a significant gap between how U.S consumers view their own credit eligibility and the reality of approval rates. This flawed perception leads many to “self-deny” opportunities, impacting both individual financial well-being and the growth potential of financial institutions. The data is clear. It’s critical for FIs to modernize and future-proof platforms to foster greater consumer trust and drive enhanced credit engagement. Get Started


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