{"id":7795,"date":"2026-10-02T19:51:24","date_gmt":"2026-10-02T19:51:24","guid":{"rendered":"https:\/\/www.rbc.com\/fr\/economique\/?p=7795"},"modified":"2026-10-19T20:47:14","modified_gmt":"2026-10-19T20:47:14","slug":"attention-a-la-hausse-de-lutilisation-du-credit-a-la-consommation","status":"publish","type":"post","link":"https:\/\/www.rbc.com\/fr\/economique\/analyse-pour-les-etats-unis\/cette-semaine-aux-etats-unis\/attention-a-la-hausse-de-lutilisation-du-credit-a-la-consommation\/","title":{"rendered":"Attention \u00e0 la hausse de l\u2019utilisation du cr\u00e9dit \u00e0 la consommation"},"content":{"rendered":"\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<div class=\"wp-block-columns pad-t-hlf mob-pad-t-hlf pad-b-hlf mob-pad-b-hlf pad-l-hlf mob-pad-l-hlf pad-r-hlf mob-pad-r-hlf has-rbc-bright-blue-tint-4-background-color has-background is-layout-flex wp-container-core-columns-is-layout-c94bf079 wp-block-columns-is-layout-flex\" style=\"border-style:none;border-width:0px;border-radius:5px\">\n<div class=\"wp-block-column pad-b-hlf mob-pad-b-hlf pad-t-hlf mob-pad-t-hlf is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:98%\">\n<div class=\"wp-block-media-text is-stacked-on-mobile is-vertically-aligned-center mar-l-hlf pad-l-hlf\" style=\"grid-template-columns:22% auto\"><figure class=\"wp-block-media-text__media\"><img loading=\"lazy\" decoding=\"async\" width=\"1767\" height=\"1632\" src=\"https:\/\/www.rbc.com\/fr\/economique\/wp-content\/uploads\/sites\/24\/2026\/07\/Icon-calend-dec-19-25.png?quality=80&amp;w=1024\" alt=\"\" class=\"wp-image-6383 size-full\" srcset=\"https:\/\/www.rbc.com\/fr\/economique\/wp-content\/uploads\/sites\/24\/2026\/07\/Icon-calend-dec-19-25.png 1767w, https:\/\/www.rbc.com\/fr\/economique\/wp-content\/uploads\/sites\/24\/2026\/07\/Icon-calend-dec-19-25.png?resize=300,277 300w, https:\/\/www.rbc.com\/fr\/economique\/wp-content\/uploads\/sites\/24\/2026\/07\/Icon-calend-dec-19-25.png?resize=768,709 768w, https:\/\/www.rbc.com\/fr\/economique\/wp-content\/uploads\/sites\/24\/2026\/07\/Icon-calend-dec-19-25.png?resize=1024,946 1024w, https:\/\/www.rbc.com\/fr\/economique\/wp-content\/uploads\/sites\/24\/2026\/07\/Icon-calend-dec-19-25.png?resize=1536,1419 1536w\" sizes=\"auto, (max-width: 1767px) 100vw, 1767px\" \/><\/figure><div class=\"wp-block-media-text__content\">\n<p class=\"wp-block-paragraph\" id=\"Intro\">La semaine prochaine sera relativement calme sur le plan des donn\u00e9es \u00e9conomiques, tandis que les march\u00e9s assimilent l\u2019\u00e9volution r\u00e9cente de l\u2019inflation et du march\u00e9 du travail. Quelques statistiques de second plan seront publi\u00e9es en milieu de semaine et fourniront chacune un nouvel \u00e9clairage sur l\u2019\u00e9volution de la conjoncture macro\u00e9conomique. Nous ne pr\u00e9voyons pas que ces donn\u00e9es modifieront notre analyse d\u2019ensemble\u00a0: <a href=\"https:\/\/www.rbc.com\/fr\/economique\/analyse-pour-les-etats-unis\/rapports-de-donnees-provisoires-eu\/inflation-mesuree-par-IPC-du-mois-ao\u00fbt-aux-etats-unis-prend-une-mauvaise-direction\/\" target=\"_blank\" rel=\"noopener\">les pressions inflationnistes en amont sont pr\u00e9occupantes<\/a>, <a href=\"https:\/\/www.rbc.com\/en\/economics\/us-analysis\/us-data-flashes\/september-jobs-report-softer-headlines-sturdy-foundations\/\" target=\"_blank\" rel=\"noopener\">le march\u00e9 du travail demeure solide<\/a>, et les consommateurs tiennent bon, mais les tensions s\u2019accentuent.<\/p>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Les donn\u00e9es d\u2019ao\u00fbt sur le cr\u00e9dit \u00e0 la consommation seront publi\u00e9es la semaine prochaine et nous nous attendons \u00e0 ce qu\u2019elles brossent un tableau pr\u00e9occupant. <strong>Nous pr\u00e9voyons une hausse de 12,8\u00a0milliards de dollars de l\u2019encours du cr\u00e9dit \u00e0 la consommation<\/strong>, principalement attribuable au cr\u00e9dit \u00e0 la consommation renouvelable (c\u2019est-\u00e0-dire aux cartes de cr\u00e9dit). Depuis le \u00ab\u00a0jour de la lib\u00e9ration\u00a0\u00bb, l\u2019encours du cr\u00e9dit \u00e0 la consommation renouvelable a augment\u00e9 de pr\u00e8s de 5\u00a0%, les consommateurs ayant eu recours au cr\u00e9dit pour maintenir leurs d\u00e9penses malgr\u00e9 le ralentissement de la croissance des salaires. Les consommateurs consacrent \u00e9galement une part moins importante de leur revenu net \u00e0 l\u2019\u00e9pargne. M\u00eame si le rapport d\u2019ao\u00fbt sur le revenu et les d\u00e9penses des particuliers a fait \u00e9tat d\u2019une importante r\u00e9vision \u00e0 la hausse du taux d\u2019\u00e9pargne des particuliers, \u00e0 4,1\u00a0%, la tendance baissi\u00e8re reste pr\u00e9occupante\u00a0: le taux demeure \u00e0 son plus bas niveau depuis quatre ans.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">L\u2019indice ISM des services retiendra l\u2019attention apr\u00e8s la r\u00e9action disproportionn\u00e9e des march\u00e9s \u00e0 la hausse des indices PMI pr\u00e9liminaires des secteurs manufacturier et des services de S&amp;P. Contrairement aux donn\u00e9es de S&amp;P, <strong>nous nous attendons \u00e0 ce que l\u2019indice ISM indique que le secteur des services poursuit son expansion, mais \u00e0 un rythme plus lent, \u00e0 54,8<\/strong>. Les indices PMI des services de S&amp;P et de l\u2019ISM ont \u00e9volu\u00e9 en sens oppos\u00e9 pendant 13 des 24\u00a0derniers mois, et nous accordons g\u00e9n\u00e9ralement plus de poids \u00e0 l\u2019ISM, qui constitue un meilleur indicateur de la croissance du PIB. Les enqu\u00eates r\u00e9gionales de la Fed corroborent cette analyse\u00a0: celles de Kansas City et de Richmond font \u00e9tat d\u2019une stagnation de l\u2019activit\u00e9 dans les services, tandis que l\u2019activit\u00e9 s\u2019est d\u00e9t\u00e9rior\u00e9e au Texas et \u00e0 Philadelphie. Cette \u00e9volution cadre avec les donn\u00e9es sur les d\u00e9penses r\u00e9elles des particuliers en services, dont le rythme de croissance d\u2019un mois sur l\u2019autre ralentit depuis mai. M\u00eame si nous pr\u00e9voyons que les consommateurs \u00e0 revenu \u00e9lev\u00e9 continueront de soutenir les d\u00e9penses en services, la croissance future risque d\u2019\u00eatre frein\u00e9e par <a href=\"https:\/\/www.rbc.com\/fr\/economique\/analyse-pour-les-etats-unis\/analyse-en-vedette-analyse-pour-les-etats-unis\/sommaire-de-gestion-de-septembre-points-a-surveiller-au-dernier-trimestre-de-2026\/\" target=\"_blank\" data-dig-id=\"LP-Cettesemaineaux\u00c9tats-Unis-7795-4e3214b9\" data-dig-category=\"LP-Cettesemaineaux\u00c9tats-Unis\" data-dig-action=\"link click\" data-dig-label=\"les tensions li\u00e9es au cr\u00e9dit \u00e0 la consommation\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">les tensions li\u00e9es au cr\u00e9dit \u00e0 la consommation<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La bonne nouvelle, c\u2019est que, malgr\u00e9 les pressions inflationnistes qui p\u00e8sent sur les consommateurs, le march\u00e9 du travail demeure stable pour l\u2019instant. Les demandes initiales de prestations d\u2019assurance-emploi diminuent depuis le d\u00e9but de l\u2019ann\u00e9e et sont demeur\u00e9es relativement stables tout au long de septembre. Nous nous attendons \u00e0 ce que cette tendance se maintienne, les demandes initiales devant s\u2019\u00e9tablir \u00e0 199\u00a0000 pour la semaine se terminant le 3\u00a0octobre.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide wide\" \/>\n\n\n\n<h5 id=\"h-les-soldes-des-cartes-de-credit-augmentent-tandis-que-l-inflation-pese-sur-les-budgets\" class=\"wp-block-heading has-rbc-bright-blue-color has-text-color has-link-color has-text-major-xs-font-size wp-elements-1\">Les soldes des cartes de cr\u00e9dit augmentent tandis que l\u2019inflation p\u00e8se sur les budgets<\/h5>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6ad752e19274f&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6ad752e19274f\" class=\"wp-block-image size-full wp-lightbox-container\"><img loading=\"lazy\" decoding=\"async\" width=\"1459\" height=\"1250\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on--click=\"actions.showLightbox\" data-wp-on--load=\"callbacks.setButtonStyles\" data-wp-on--pointerdown=\"actions.preloadImage\" data-wp-on--pointerenter=\"actions.preloadImageWithDelay\" data-wp-on--pointerleave=\"actions.cancelPreload\" data-wp-on-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/www.rbc.com\/fr\/economique\/wp-content\/uploads\/sites\/24\/2026\/10\/38843cef3b1f4e319ca3689b4724492d_0c0b27.png\" alt=\"\" class=\"wp-image-7797\" srcset=\"https:\/\/www.rbc.com\/fr\/economique\/wp-content\/uploads\/sites\/24\/2026\/10\/38843cef3b1f4e319ca3689b4724492d_0c0b27.png 1459w, https:\/\/www.rbc.com\/fr\/economique\/wp-content\/uploads\/sites\/24\/2026\/10\/38843cef3b1f4e319ca3689b4724492d_0c0b27.png?resize=300,257 300w, https:\/\/www.rbc.com\/fr\/economique\/wp-content\/uploads\/sites\/24\/2026\/10\/38843cef3b1f4e319ca3689b4724492d_0c0b27.png?resize=768,658 768w, https:\/\/www.rbc.com\/fr\/economique\/wp-content\/uploads\/sites\/24\/2026\/10\/38843cef3b1f4e319ca3689b4724492d_0c0b27.png?resize=1024,877 1024w\" sizes=\"auto, (max-width: 1459px) 100vw, 1459px\" \/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\tdata-wp-bind--aria-label=\"state.thisImage.triggerButtonAriaLabel\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.thisImage.buttonRight\"\n\t\t\tdata-wp-style--top=\"state.thisImage.buttonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewBox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide wide\" \/>\n\n\n\n<h5 id=\"h-les-enquetes-regionales-de-la-fed-signalent-un-ralentissement-de-l-elan-des-services\" class=\"wp-block-heading has-rbc-bright-blue-color has-text-color has-link-color has-text-major-xs-font-size wp-elements-2\">Les enqu\u00eates r\u00e9gionales de la Fed signalent un ralentissement de l\u2019\u00e9lan des services<\/h5>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6ad752e193636&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6ad752e193636\" class=\"wp-block-image size-full mar-b mob-mar-b wp-lightbox-container\"><img loading=\"lazy\" decoding=\"async\" width=\"4559\" height=\"3907\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on--click=\"actions.showLightbox\" data-wp-on--load=\"callbacks.setButtonStyles\" 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https:\/\/www.rbc.com\/fr\/economique\/wp-content\/uploads\/sites\/24\/2026\/10\/4d5fcc726fe14759b77fec2261fc3da3_9ad5ad.png?resize=1536,1316 1536w, https:\/\/www.rbc.com\/fr\/economique\/wp-content\/uploads\/sites\/24\/2026\/10\/4d5fcc726fe14759b77fec2261fc3da3_9ad5ad.png?resize=2048,1755 2048w\" sizes=\"auto, (max-width: 4559px) 100vw, 4559px\" \/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\tdata-wp-bind--aria-label=\"state.thisImage.triggerButtonAriaLabel\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.thisImage.buttonRight\"\n\t\t\tdata-wp-style--top=\"state.thisImage.buttonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewBox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide wide\" \/>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\"><strong><strong>\u00c0 propos des auteurs :<\/strong>\u00a0<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em><strong>Mike Reid<\/strong>\u00a0<em>est chef, Services \u00e9conomiques RBC \u2013 \u00c9tats-Unis.\u202fIl est charg\u00e9 d\u2019\u00e9tablir les perspectives \u00e9conomiques de RBC pour les \u00c9tats-Unis, de commenter les indicateurs macro\u00e9conomiques et de r\u00e9diger des analyses concernant le contexte \u00e9conomique.<\/em>\u00a0<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em><em><strong>Carrie Freestone<\/strong>\u00a0<em>est \u00e9conomiste principale aux \u00c9tats-Unis \u00e0 RBC et membre de l\u2019\u00e9quipe des Services \u00e9conomiques aux \u00c9tats-Unis \u00e0 RBC\u202fMarch\u00e9s des Capitaux. Elle est responsable de pr\u00e9voir les principaux indicateurs cl\u00e9s am\u00e9ricains, notamment le PIB, l\u2019emploi, les d\u00e9penses de consommation et l\u2019inflation aux \u00c9tats-Unis. Elle contribue \u00e9galement aux commentaires sur la conjoncture \u00e9conomique aux \u00c9tats-Unis qu\u2019elle transmet aux clients au moyen de publications, de pr\u00e9sentations et par l\u2019interm\u00e9diaire des m\u00e9dias.<\/em>\u00a0<\/em><\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em><strong>Imri Haggin<\/strong>\u00a0est \u00e9conomiste \u00e0 RBC March\u00e9s des Capitaux, o\u00f9 il se concentre sur la recherche th\u00e9matique. Ses travaux ant\u00e9rieurs portaient sur la dynamique du cr\u00e9dit \u00e0 la consommation et la mod\u00e9lisation des liquidit\u00e9s, et mettaient l\u2019accent sur l\u2019utilisation des donn\u00e9es pour comprendre les comportements.<\/em>\u00a0<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide wide\" \/>\n<\/div>\n<\/section>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":318,"featured_media":2504,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"advgb_blocks_editor_width":"","advgb_blocks_columns_visual_guide":"","editor_notices":[],"footnotes":"","jetpack_post_was_ever_published":false},"categories":[76],"tags":[],"rbc_econ_content_type":[],"class_list":["post-7795","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-cette-semaine-aux-etats-unis"],"acf":[],"yoast_head":"<!-- This site is optimized with 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