Ecuador Credit Card Base Reaches 4.63M Active Cards As First-Time Users Rise
Ecuador's formal consumer-credit market continued expanding in 2025, with 4,631,677 credit cards recording consumption between January and December, El Comercio reported, citing Aval Buró and the Superintendencia de Bancos.
The report said the stock represented 4.9% annual growth and that more than 61,000 Ecuadorians obtained a credit card for the first time.
Data Snapshot
| Indicator | Reported Figure |
|---|---|
| Credit cards with consumption | 4,631,677 |
| Annual growth | 4.9% |
| First-time cardholders | More than 61,000 |
Business Relevance
The expansion supports retail consumption, bank fee income and formal credit scoring. It also raises the importance of monitoring delinquency, revolving balances and household income pressure as banks push deeper into first-time borrower segments.
What to watch
Track Superintendencia de Bancos delinquency data, bank consumer-loan margins and whether card growth translates into durable formal-credit relationships or short-cycle household leverage.
Source: El Comercio
Source
El Comercio — "Más de 61 000 ecuatorianos obtuvieron por primera vez una tarjeta de crédito"
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