The Hidden Patterns in 25,000 Credit Cards

By shrijeetverma13 · August 1, 2026

This analysis reveals how credit cards are distributed across networks and types, who holds multiple cards, and what's coming down the pipeline. From…

A bar chart and data table were generated showing the average credit limit for each card type, ranked from highest to lowest. This lets you quickly see which card type offers the highest average credit limit.

The analysis breaks down what percentage of each card network's cards are Active, Blocked, or Inactive. A stacked bar chart was created showing the proportion (%) of each card status for every card network, along with detailed data tables backing up these figures.

A total of 20,212 cards are set to expire in upcoming periods and will require reissuance. The bar chart breaks this down by month, showing which periods will see the highest volume of expiring cards so your team can plan reissuance workflows accordingly.

Card issuance has been fairly stable over the observed period from July 2018 to July 2026, averaging around 335 cards issued each month. The trend line chart shows the volume fluctuating month to month, with a peak of 388 cards in April 2025 and the lowest point of 142 cards back in July 2018 (the very first month recorded).

About 24.8% of customers (6,204 out of 25,000) hold more than one card, averaging 2.20 cards each. These multi-card holders collectively account for $6.3 billion in combined credit exposure, with an average total credit limit of about $1,015,039 per customer. The customer with the highest total credit limit, CUST105461, holds 3 cards with a combined limit of $4,092,743.

Platinum cards show the highest contactless adoption rate among card types at 85.73%, while American Express leads among networks at 85.89%. The strongest combination overall is Platinum cards issued on American Express, reaching an impressive 86.59% adoption rate.

The cross-tabulation shows that card networks (American Express, Mastercard, RuPay, and Visa) are almost evenly distributed across all card types (Classic, Gold, Platinum, Silver), each holding roughly 24-26% share within every tier. There's no strong dominance by any single network for any card type, indicating a well-balanced distribution strategy across the card portfolio. A stacked bar chart visualizes this percentage breakdown, and a second chart shows the actual counts of cards by network within each type.

Every card in the dataset has a validity period of exactly 5.0 years, calculated as the difference between Expiry Date and Issue Date. This holds true regardless of when the card was issued (from 2018 to 2026) and across all Card Types, meaning there is no trend over time and no card type stands out as having a longer or shorter validity window.

The analysis examined the Credit Limit column for each Card Type using the IQR (Interquartile Range) method to flag unusually high or low values. The results were compiled into tables showing the outlier counts and percentages per card type, along with a detailed table of the top 10 highest outlier values, including their Card ID, Customer ID, and Card Type.

The analysis compared average and median credit limits across different combinations of Card Mode (Physical vs Virtual) and Card Status (Active, Blocked, Expired, etc.). Two visualizations were generated: a grouped bar chart comparing average versus median credit limits for each combination, and a ranked horizontal bar chart showing all combinations ordered from highest to lowest average credit limit. Three detailed data tables were also produced, breaking down the credit limit statistics by card mode and status combination.