Credit Cards in Finland
As of 2010, Finland has a population of 5.36 millions with a GDP(gross domestic product) of €180.25 billions. This translates into €36.97 thousands of GDP per capita. Finland contributes 1.47% of the EU total GDP.

As at 31st December 2010, there are 7,100,000 payment cards issued in Finland(1.32 cards per capita), a significant decrease of 1,800,000 or 20.22% compares to 8,900,000 in 2009. There are 4,100,000 cards with a credit and/or delayed debit function in Finland as at 31st December 2010, a decrease of 300,000 or 6.82% compares to 4,400,000 in 2009. Debit cards decrease significantly by 33.33% or 1,500,000 to 3,000,000 in 2010, compares to 4,500,000 in 2009.

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	Credit Up Prepaid MasterCard®
	CreditUp Prepaid MasterCard kortti toimii kuten normaali MasterCard-kortti, mutta se on prepaid-kortti. Kortin tilaaminen on hyvin yksinkertaista: paina “Hakemus” ja täytä tilauskaavake. Voit maksaa kortin tavallisella pankkisiirrolla. Fyysinen muovikortti ja tarvittavat ohjeet, toimitetaan kotiosoitteeseesi 10 työpäivän kuluessa. MasterCard tavaramerkki on yksi tunnetuimmista maailmassa. On hyvä tietää, että voit käyttää CreditUp korttia koko maailmassa huoltoasemilla ja ravintoloissa, elokuvateattereissa, pubeissa ja supermarketeissa. CreditUp on hyväksytty maksutapa yli 25 miljoonassa paikassa ympäri maailman – voit käyttää CreditUp korttia Suomessa ja missä tahansa päin maailmaa. Oman henkilökohtaisen PIN koodin ansiosta tiedät, että rahat ovat aina turvassa. Korttivaihtoehdot CreditUp fyysinen kortti Credit Up Prepaid MasterCard ® myönnetään pankkitilin yhteydessä. CreditUp kortti on prepaid-kortti, joten sinne on ladattava ensin rahaa jonka jälkeen voit käyttää korttia. Uusi kortti ja pankkitilisi tiedot ovat kotiosoitteessasi 14 päivän kuluessa. CreditUp on nopea, helppo ja turvallinen. Kortin myöntämisen yhteydessä emme tarkista luottotietojasi. CreditUp virtuaalikortti CreditUp Prepaid MasterCard on saatavana myös virtuaalisena versiona. Se toimii kuten tavallinen MasterCard kortti mutta sillä voidaan suorittaa ostoksia vain verkossa. Jos tilaat Virtual Credit Up kortin ja et halua muovikorttia, annamme sinulle kaikki tiedot, joita tarvitaan verkko-ostoksiin. Tiedot voit antaa puhelimitse, faksilla tai sähköpostitse. Saat tietoosi korttisi tilinumeron, CVV2 turvanumeron ja kortin viimeisen voimassaolopäivämäärän. Terms and Conditions Please refer website Offer Ended

	American Express Gold Card
	Edut jat ominaisuudet: Membership Rewards -palkinto-ohjelma, jossa pisteet eivät vanhene Kattava matkavakuutus Ei ennalta määriteltyä käyttörajaa Kadonneen kortin tilalle tarvittaessa uusi kortti useimmiten 24 tunnissa Rinnakkaiskortti perheenjäsenillesi (norm. 70 €/vuosi) Global Assist -palvelu My Account Online -palvelulla seuraat helposti tilitapahtumiasi Selects – upeita ravintola-, ostos- ja matkailutarjouksia Ei korkoja eikä käsittelymaksuja Nyt ensimmäinen vuosi maksutta (norm. 170 €/v) Intro APR Intro Period Annual Fee N/A N/A Ensimmäinen vuosi ilman vuosimaksua Offer Ended

Total Card Payments in Volume and Value
For 2010, there are 769.00 millions of card payment transactions in Finland, a decrease of 109 millions or 12.41% compares to 878.00 millions in 2009. This also translates into 143.38 transactions per capita, making Finland one of the highest in Europe on number of card payment transactions per capita, besides Norway, Sweden and Denmark. Out of these transactions, 126.00 millions or 16.38% is paid by cards with a credit and/or delayed debit function, an increase of 6 millions or 5% compares to 120.00 millions in 2009. The rest of card payment transactions(643.00 millions) are paid by debit cards, a decrease of 115 millions or 15.17% compares to 758.00 millions in 2009. Finland total card payment transactions volume contributes 2.27% to the EU total number of transactions.

The total card payments for 2010 is €26.70 billions in value(€4.98 thousands per capita), a decrease of €4.10 billions or 13.31% compares to €30.80 billions in 2009. This also translates into €34.7 per card payment transaction, a small decrease from €35.1 in 2009. Out of these transactions, €8.40 billions or 31.46% is paid by cards with a credit and/or delayed debit function, an increase of €0.40 billions or 5% compares to €8.00 billions in 2009. The rest of card payments, €18.30 billions in value is paid by debit cards, a decrease of €4.50 billions or 19.74% compares to €22.80 billions in 2009. Finland total card payment value contributes 1.50% to the EU total transactions value.

In 2010, the decrease in the number of debit cards has affected the growth of total card payments volume and value in Finland. Whereas the decrease in the number of cards with a credit and/or delayed debit function in Finland does not affect the growth of total card payments volume and value in 2010.

Credit Cards in Finland 2008-2009
As of 2009, Finland has a population of 5.34 millions with a GDP(gross domestic product) of €173.27 billions. This translates into €32.45 thousands of GDP per capita. Finland contributes 1.47% of the EU total GDP.

As at 31st December 2009, there are 8,900,000 payment cards issued in Finland(1.67 cards per capita), a decrease of 1,000,000 or 10.10% compares to 9,900,000 in 2008. There are 4,400,000 cards with a credit and/or delayed debit function in Finland as at 31st December 2009, a decrease of 200,000 or 4.35% compares to 4,600,000 in 2008. Debit cards decrease significantly by 15.09% or 800,000 to 4,500,000 in 2009, compares to 5,300,000 in 2008.

Total Card Payments in Volume and Value
For 2009, there are 878.00 millions of card payment transactions in Finland, a decrease of 45 millions or 4.88% compares to 923.00 millions in 2008. This also translates into 164.45 transactions per capita, making Finland one of the highest in Europe on number of card payment transactions per capita, besides Norway, Sweden and Denmark. Out of these transactions, 120.00 millions or 13.67% is paid by cards with a credit and/or delayed debit function, an increase of 5 millions or 4.35% compares to 115.00 millions in 2008. The rest of card payment transactions(758.00 millions) are paid by debit cards, a decrease of 50 millions or 6.19% compares to 808.00 millions in 2008. Finland total card payment transactions volume contributes 2.79% to the EU total number of transactions.

The total card payments for 2009 is €30.80 billions in value(€5.77 thousands per capita), a decrease of €2.00 billions or 6.10% compares to €32.80 billions in 2008. This also translates into €35.1 per card payment transaction, a small decrease from €35.5 in 2008. Out of these transactions, €8.00 billions or 25.97% is paid by cards with a credit and/or delayed debit function, an increase of €0.30 billions or 3.9% compares to €7.70 billions in 2008. The rest of card payments, €22.80 billions in value is paid by debit cards, a decrease of €2.30 billions or 9.16% compares to €25.10 billions in 2008. Finland total card payment value contributes 1.89% to the EU total transactions value.

In 2009, the decrease in the number of debit cards has affected the growth of total card payments volume and value in Finland. Whereas the decrease in the number of cards with a credit and/or delayed debit function in Finland does not affect the growth of total card payments volume and value in 2009.

Credit Cards in Finland 2007-2008
As of 2008, Finland has a population of 5.31 millions with a GDP(gross domestic product) of €185.65 billions. This translates into €34.94 thousands of GDP per capita. Finland contributes 1.49% of the EU total GDP.

As at 31st December 2008, there are 9,900,000 payment cards issued in Finland(1.83 cards per capita), an increase of 800,000 or 8.79% compares to 9,100,000 in 2007. There are 4,600,000 cards with a credit and/or delayed debit function in Finland as at 31st December 2008, a significant increase of 700,000 or 17.95% compares to 3,900,000 in 2007. Debit cards increase by a low 1.92% or 100,000 to 5,300,000 in 2008, compares to 5,200,000 in 2007.

Total Card Payments in Volume and Value
For 2008, there are 923.00 millions of card payment transactions in Finland, an increase of 5 millions or 0.54% compares to 918.00 millions in 2007. This also translates into 170.72 transactions per capita, making Finland one of the highest in Europe on number of card payment transactions per capita, besides Norway. Out of these transactions, 115.00 millions or 12.50% is paid by cards with a credit and/or delayed debit function, a significant increase of 25 millions or 27.78% compares to 90.00 millions in 2007. The rest of card payment transactions(808.00 millions) are paid by debit cards, a decrease of 20 millions or 2.42% compares to 828.00 millions in 2007. Finland total card payment transactions volume contributes 3.13% to the EU total number of transactions.

The total card payments for 2008 is €32.80 billions in value(€7.82 thousands per capita), an increase of €0.6 billions or 1.86% compares to €32.20 billions in 2007. This also translates into €35.5 per card payment transaction, a marginal increase from €35.1 in 2007. Out of these transactions, €7.70 billions or 23.48% is paid by cards with a credit and/or delayed debit function, a significant increase of €2.00 billions or 35.09% compares to €5.70 billions in 2007. The rest of card payments, €25.10 billions in value is paid by debit cards, a decrease of €1.40 billions or 5.28% compares to €26.50 billions in 2007. Finland total card payment value contributes 1.97% to the EU total transactions value.

In 2008, even though the number of debit cards in Finland has increased marginally, it does not help the growth of the card payment total volume and value in Finland. Whereas increase in the number of cards with a credit and/or delayed debit function has boost the growth of card payment total volume and value in Finland further.

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