2026年2月,联合王国的信用卡APR在2026年2月达到35.8%,达到20年来的最高水平,提高了借贷成本。 UK credit card APR hit 35.8% in Feb 2026, a 20-year high, raising borrowing costs.

据Moneyfactscompare.co.uk指出,2月份,英国的平均信用卡APR达到35.8%,这是自2006年以来20年来的最高水平,增加了消费者的借贷成本。 The average UK credit card APR hit 35.8% in February, a 20-year high since 2006, according to Moneyfactscompare.co.uk, increasing borrowing costs for consumers. 大约一半持卡人现在支付利息,促使专家建议审查报表,使用0%的余额转移卡 — — 类似于TSB的38个月收费率为3.49%的报价 — — 并避免最低支付额以防止长期债务。 About half of cardholders now pay interest, prompting experts to recommend reviewing statements, using 0% balance transfer cards—like TSB’s 38-month offer with a 3.49% fee—and avoiding minimum payments to prevent prolonged debt. 随着数字钱包使用率的上升,建议通过警报监测交易,在申请新卡之前检查信用报告,以管理支出,避免财政紧张。 With rising digital wallet use, monitoring transactions via alerts and checking credit reports before applying for new cards is advised to manage spending and avoid financial strain.