Net borrowing of consumer credit by individuals in the UK rose to £2.1 billion in November 2025 from an upwardly revised £1.7 billion in the previous month and well above market forecasts of £1.1 billion. It was the highest reading since November 2023, as net borrowing through credit cards went up to £1.0 billion in November from £0.7 billion in October. Net borrowing through other forms of consumer credit, such as car dealership finance and personal loans, slightly increased to £1.1 billion in November from £1.0 billion. The annual growth rate for all consumer credit rose to 8.1% in November, from 7.5% in the previous month. Over the same period, the annual growth rate for credit card borrowing increased to 12.1% from 10.9%, the highest since January 2024 (12.5%), while the annual growth rate for other forms of consumer credit increased to 6.3% from 6.0%, the highest since September 2024 (6.6%).

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