{"id":527503,"date":"2026-04-09T12:09:04","date_gmt":"2026-04-09T16:09:04","guid":{"rendered":"https:\/\/www.paymentsjournal.com\/?p=527503"},"modified":"2026-04-09T12:09:08","modified_gmt":"2026-04-09T16:09:08","slug":"facing-a-precarious-economy-gen-z-turns-to-credit","status":"publish","type":"post","link":"https:\/\/www.paymentsjournal.com\/facing-a-precarious-economy-gen-z-turns-to-credit\/","title":{"rendered":"Facing a Precarious Economy, Gen Z Turns to Credit"},"content":{"rendered":"\n<p>Despite faltering credit scores, Gen Z is charging ahead\u2014literally\u2014opening credit card accounts at higher rates than any other generation. In the past year, more than one in four of American adults ages 18 and 29 got at least one new card, underscoring the tough choices and high-stakes gamble facing both young consumers and the issuers courting them.<\/p>\n\n\n\n<p>The rush isn\u2019t about perks or rewards. According <a href=\"https:\/\/www.msn.com\/en-us\/money\/news\/gen-z-is-opening-more-credit-cards-and-seeing-their-credit-scores-drop\/ar-AA20qH9H\" target=\"_blank\" rel=\"noreferrer noopener\">to FICO<\/a>, nearly 40% of Gen Zers are taking on new cards as a financial cushion.<\/p>\n\n\n\n<p>\u201cWhen faced with job loss or income reduction over the past 12 months, 48% of Gen Z and 43% of millennials relied on credit cards to make ends meet, compared to 25% of Gen X and just 7% of baby boomers,\u201d FICO Vice President Jenelle Dito said in a statement.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-threats-to-their-credit-scores\">Threats to Their Credit Scores<\/h2>\n\n\n\n<p>Meanwhile, their credit scores are slipping. As of late 2025, Gen Z has the lowest average credit score among all age cohorts at 678, down three-percentage points from the previous year. That\u2019s well below the national average of 714, placing them in what FICO describes as the \u201ccompetent\u201d to \u201cfair\u201d range.<\/p>\n\n\n\n<p>A key factor is the resumption of student loan payments, which has driven scores lower. FICO reports that nearly one-third of student loan borrowers have had a new delinquency recorded &nbsp;on their credit files.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-worth-the-risk\">Worth the Risk<\/h2>\n\n\n\n<p>Because the law prevents credit card companies from knowing how the age of their borrowers, issuers can only do so much to target, or avoid, Gen Z. Despite their higher risk, younger consumers remain a potentially lucrative market with the potential to become lifelong customers.<\/p>\n\n\n\n<p>Card issuers can\u2019t sustain a business by relying on 70-year-olds. They need to build portfolios around younger consumers, which means accepting some of the inherent risks of lending to this cohort.<\/p>\n\n\n\n<p>\u201cThe whole goal is to get into the customer so you have cradle-to-grave relationships with them,\u201d said <a href=\"https:\/\/javelinstrategy.com\/our-team\/brian-riley\" target=\"_blank\" rel=\"noreferrer noopener\">Brian Riley<\/a>, Director of Credit at Javelin Strategy &amp; Research. \u201cOnce they get beyond all the nuances of the early phase of life, like family and kids, they&#8217;re going to start accumulating assets, whether it&#8217;s a 401(k) or a house. You can&#8217;t just knee jerk and shut them all down because their credit scores are running high.\u201d<\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Despite faltering credit scores, Gen Z is charging ahead\u2014literally\u2014opening credit card accounts at higher rates than any other generation. In the past year, more than one in four of American adults ages 18 and 29 got at least one new card, underscoring the tough choices and high-stakes gamble facing both young consumers and the issuers [&hellip;]<\/p>\n","protected":false},"author":8441,"featured_media":512335,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jnews-multi-image_gallery":[],"jnews_single_post":{"format":"standard","override":[{"template":"1","parallax":"1","fullscreen":"1","layout":"right-sidebar","sidebar":"default-sidebar","second_sidebar":"default-sidebar","sticky_sidebar":"1","share_position":"top","share_float_style":"share-monocrhome","show_share_counter":"1","show_view_counter":"1","show_featured":"1","show_post_meta":"1","show_post_author":"1","show_post_author_image":"1","show_post_date":"1","post_date_format":"default","post_date_format_custom":"Y\/m\/d","show_post_category":"1","show_post_reading_time":"0","post_reading_time_wpm":"300","post_calculate_word_method":"str_word_count","show_zoom_button":"0","zoom_button_out_step":"2","zoom_button_in_step":"3","show_post_tag":"1","show_prev_next_post":"1","show_popup_post":"1","number_popup_post":"1","show_author_box":"0","show_post_related":"0","show_inline_post_related":"0"}],"image_override":[{"single_post_thumbnail_size":"crop-500","single_post_gallery_size":"crop-500"}],"trending_post_position":"meta","trending_post_label":"Trending","sponsored_post_label":"Sponsored by","disable_ad":"0"},"jnews_primary_category":{"id":"64830"},"jnews_social_meta":[],"jnews_override_counter":{"view_counter_number":"0","share_counter_number":"0","like_counter_number":"0","dislike_counter_number":"0"},"footnotes":""},"categories":[137,1259],"tags":[125,1110,64906,571,64087],"class_list":["post-527503","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-analysts-coverage","category-credit","tag-credit","tag-credit-card","tag-credit-scores","tag-fico","tag-gen-z"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.5 (Yoast SEO v27.5) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Facing a Precarious Economy, Gen Z Turns to Credit - PaymentsJournal<\/title>\n<meta name=\"description\" content=\"Despite faltering credit scores, Gen Z is charging ahead\u2014literally\u2014opening credit card accounts at higher rates than any other generation,\" \/>\n<meta name=\"robots\" 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