# Credit Card Issuers’ Biggest Rival May Already Be in Wallet

> Credit card users switch primary cards without losing accounts, shifting spending to existing issuers.
- Title: Credit Card Issuers’ Biggest Rival May Already Be in Wallet
- Summary: Credit card users switch primary cards without losing accounts, shifting spending to existing issuers. 78% of switchers consider no more than two cards…
- Keywords: credit card, switching, primary card, transaction volume, issuers, consumer behavior, rewards rate, credit limit, business, finance, Credit, Card
- Source: Pymnts — https://pymnts.com/consumer-finance/2026/credit-card-issuers-biggest-rival-may-already-be-in-the-wallet
- Author: PYMNTS
- Published: 2026-09-22T08:01:36+00:00
- Read time: 1 min
- Topics: credit card, switching, primary card, transaction volume, issuers, consumer behavior, rewards rate, credit limit, business, finance
## Switchers Keep Old Cards
58% of credit card switchers used a card they already owned as their new primary card.
## Quick Decisions
71% of switchers chose a new primary card within one month.
## Small Consideration Sets
78% of switchers seriously considered no more than two cards.
## No Contact for 46%
46% of switchers had no contact with their previous issuer before changing cards.
## Why Switch?
38% cited better rewards rates, 36% higher credit limits as reasons for switching.
## Existing Cards Win
58% of switchers used a card they already owned as their new primary card.
## Key takeaway

78% of switchers consider no more than two cards, allowing issuers to lose transaction volume without losing customers.