Brits are using their credit cards more for retail purchases, despite a fall in the level of spending.
The number of purchases made on cards grew by 0.4% in September, according to the UK Cards Association.
However, overall purchases fell by 0.3% over the same period.
Likewise, the value of purchases made by card rose slightly in September, while overall spending dropped by 0.6%.
Cards now account for around 75% of the total value of retail spending in the UK, highlighting consumers’ increasing reliance on them.
This is due, in part, to increasingly attractive 0% deals, which have cut the cost of servicing debts on purchases or long-term balances.
The longest 0% offer on purchases is currently at 20 months, available via Halifax.
The figures also demonstrate that cards are being used more frequently but for lower value transactions.
This shows a growing preference for innovations such as contactless cards, which allow swift payments up to the value of £20 without the use of a PIN.
Richard Koch, the Head of Policy at The UK Cards Association, said: “The move from cash to card is becoming more and more evident. People are now using their card even for small purchases when they once would have used the change in their pockets.
“Contactless cards have helped to accelerate this change in behaviour as more consumers begin to see the benefits and simplicity of using contactless technology.”