Annual credit card spending in Croatia 2013-2021, in local currency and USD
penetration of credit cards was equal to 25 percent in 2019. However, a relatively high penetration (in the context of the region) was also observed in two of the non-EU economies of the region: Russia and Ukraine. Some other countries are still lagging behind, for example Romania, with credit card penetration amounted to 12 percent as of 2019. Originally denominated in euros, the data was converted to U.S. dollars by Statista to allow for cross-country comparisons worldwide.
The total value of credit card payments in Croatia from 2013 to 2020 has fluctuated and reduced over time. For many markets in Central and Eastern Europe, the regulatory and financial support afforded by the European Union membership provided strong potential for sustained growth in the credit card market. For example, for Czechia, the