<?xml version="1.0" encoding="UTF-8"?>
<data>
<terms url="https://www.bankofcanada.ca/terms/"></terms>
<groupDetail>
    <label>Reliance on and use of credit cards</label>
    <description><![CDATA[Sources: TransUnion and Bank of Canada calculations]]></description>
    <link>https://www.bankofcanada.ca/?p=229200</link>
</groupDetail>
<seriesDetail>
<series id="FVI_CC_AVG_UTILIZATION_RATE_ALLBORROWERS">
<label>All borrowers</label>
<description>Average use rates of credit cards (%), by type of borrower—All borrowers</description>
<dimension key="d" name="Date"/>
</series>
<series id="FVI_CC_AVG_UTILIZATION_RATE_MTGHOLDER">
<label>Mortgage holders</label>
<description>Average use rates of credit cards (%), by type of borrower—Mortgage holders</description>
<dimension key="d" name="Date"/>
</series>
<series id="FVI_CC_AVG_UTILIZATION_RATE_NON_MTGHOLDER">
<label>Borrowers without a mortgage</label>
<description>Average use rates of credit cards (%), by type of borrower—Borrowers without a mortgage</description>
<dimension key="d" name="Date"/>
</series>
<series id="FVI_CC_DLQ_RATE_30DAYPLUS_ALLBORROWERS">
<label>All borrowers</label>
<description>Share of borrowers that are late by at least 30 days on payments on one or more credit cards (%), by type of borrower—All borrowers</description>
<dimension key="d" name="Date"/>
</series>
<series id="FVI_CC_DLQ_RATE_30DAYPLUS_MTGHOLDER">
<label>Mortgage holders</label>
<description>Share of borrowers that are late by at least 30 days on payments on one or more credit cards (%), by type of borrower—Mortgage holders</description>
<dimension key="d" name="Date"/>
</series>
<series id="FVI_CC_DLQ_RATE_30DAYPLUS_NON_MTGHOLDER">
<label>Borrowers without a mortgage</label>
<description>Share of borrowers that are late by at least 30 days on payments on one or more credit cards (%), by type of borrower—Borrowers without a mortgage</description>
<dimension key="d" name="Date"/>
</series>
<series id="FVI_CC_UTILIZATION_RATE_ABOVE80_ALLBORROWERS">
<label>All borrowers</label>
<description>Share of borrowers that have a use rate above 80% on their credit card debt (%), by type of borrower—All borrowers</description>
<dimension key="d" name="Date"/>
</series>
<series id="FVI_CC_UTILIZATION_RATE_ABOVE80_MTGHOLDER">
<label>Mortgage holders</label>
<description>Share of borrowers that have a use rate above 80% on their credit card debt (%), by type of borrower—Mortgage holders</description>
<dimension key="d" name="Date"/>
</series>
<series id="FVI_CC_UTILIZATION_RATE_ABOVE80_NON_MTGHOLDER">
<label>Borrowers without a mortgage</label>
<description>Share of borrowers that have a use rate above 80% on their credit card debt (%), by type of borrower—Borrowers without a mortgage</description>
<dimension key="d" name="Date"/>
</series>
</seriesDetail>
<observations>
<o d="2015-01-01"><v s="FVI_CC_AVG_UTILIZATION_RATE_ALLBORROWERS">24.51</v><v s="FVI_CC_AVG_UTILIZATION_RATE_MTGHOLDER">26.47</v><v s="FVI_CC_AVG_UTILIZATION_RATE_NON_MTGHOLDER">23.80</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_ALLBORROWERS">3.03</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_MTGHOLDER">2.90</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_NON_MTGHOLDER">3.08</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_ALLBORROWERS">11.98</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_MTGHOLDER">10.90</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_NON_MTGHOLDER">12.32</v></o>
<o d="2015-04-01"><v s="FVI_CC_AVG_UTILIZATION_RATE_ALLBORROWERS">24.81</v><v s="FVI_CC_AVG_UTILIZATION_RATE_MTGHOLDER">26.56</v><v s="FVI_CC_AVG_UTILIZATION_RATE_NON_MTGHOLDER">24.19</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_ALLBORROWERS">2.99</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_MTGHOLDER">2.81</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_NON_MTGHOLDER">3.05</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_ALLBORROWERS">12.13</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_MTGHOLDER">10.97</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_NON_MTGHOLDER">12.56</v></o>
<o d="2015-07-01"><v s="FVI_CC_AVG_UTILIZATION_RATE_ALLBORROWERS">25.30</v><v s="FVI_CC_AVG_UTILIZATION_RATE_MTGHOLDER">26.89</v><v s="FVI_CC_AVG_UTILIZATION_RATE_NON_MTGHOLDER">24.75</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_ALLBORROWERS">3.03</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_MTGHOLDER">2.81</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_NON_MTGHOLDER">3.11</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_ALLBORROWERS">12.52</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_MTGHOLDER">11.28</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_NON_MTGHOLDER">12.99</v></o>
<o d="2015-10-01"><v s="FVI_CC_AVG_UTILIZATION_RATE_ALLBORROWERS">25.40</v><v s="FVI_CC_AVG_UTILIZATION_RATE_MTGHOLDER">27.02</v><v s="FVI_CC_AVG_UTILIZATION_RATE_NON_MTGHOLDER">24.79</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_ALLBORROWERS">3.06</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_MTGHOLDER">2.85</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_NON_MTGHOLDER">3.14</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_ALLBORROWERS">12.62</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_MTGHOLDER">11.44</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_NON_MTGHOLDER">13.07</v></o>
<o d="2016-01-01"><v s="FVI_CC_AVG_UTILIZATION_RATE_ALLBORROWERS">25.59</v><v s="FVI_CC_AVG_UTILIZATION_RATE_MTGHOLDER">27.02</v><v s="FVI_CC_AVG_UTILIZATION_RATE_NON_MTGHOLDER">25.03</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_ALLBORROWERS">3.15</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_MTGHOLDER">2.89</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_NON_MTGHOLDER">3.25</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_ALLBORROWERS">12.80</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_MTGHOLDER">11.46</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_NON_MTGHOLDER">13.28</v></o>
<o d="2016-04-01"><v s="FVI_CC_AVG_UTILIZATION_RATE_ALLBORROWERS">25.74</v><v s="FVI_CC_AVG_UTILIZATION_RATE_MTGHOLDER">27.10</v><v s="FVI_CC_AVG_UTILIZATION_RATE_NON_MTGHOLDER">25.21</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_ALLBORROWERS">3.13</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_MTGHOLDER">2.85</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_NON_MTGHOLDER">3.24</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_ALLBORROWERS">12.94</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_MTGHOLDER">11.58</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_NON_MTGHOLDER">13.47</v></o>
<o d="2016-07-01"><v s="FVI_CC_AVG_UTILIZATION_RATE_ALLBORROWERS">26.00</v><v s="FVI_CC_AVG_UTILIZATION_RATE_MTGHOLDER">27.20</v><v s="FVI_CC_AVG_UTILIZATION_RATE_NON_MTGHOLDER">25.58</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_ALLBORROWERS">3.15</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_MTGHOLDER">2.85</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_NON_MTGHOLDER">3.26</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_ALLBORROWERS">13.11</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_MTGHOLDER">11.69</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_NON_MTGHOLDER">13.69</v></o>
<o d="2016-10-01"><v s="FVI_CC_AVG_UTILIZATION_RATE_ALLBORROWERS">26.22</v><v s="FVI_CC_AVG_UTILIZATION_RATE_MTGHOLDER">27.30</v><v s="FVI_CC_AVG_UTILIZATION_RATE_NON_MTGHOLDER">25.79</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_ALLBORROWERS">3.15</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_MTGHOLDER">2.81</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_NON_MTGHOLDER">3.28</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_ALLBORROWERS">13.23</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_MTGHOLDER">11.74</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_NON_MTGHOLDER">13.81</v></o>
<o d="2017-01-01"><v s="FVI_CC_AVG_UTILIZATION_RATE_ALLBORROWERS">26.35</v><v s="FVI_CC_AVG_UTILIZATION_RATE_MTGHOLDER">27.40</v><v s="FVI_CC_AVG_UTILIZATION_RATE_NON_MTGHOLDER">25.91</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_ALLBORROWERS">3.11</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_MTGHOLDER">2.77</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_NON_MTGHOLDER">3.25</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_ALLBORROWERS">13.31</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_MTGHOLDER">11.79</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_NON_MTGHOLDER">13.87</v></o>
<o d="2017-04-01"><v s="FVI_CC_AVG_UTILIZATION_RATE_ALLBORROWERS">26.42</v><v s="FVI_CC_AVG_UTILIZATION_RATE_MTGHOLDER">27.39</v><v s="FVI_CC_AVG_UTILIZATION_RATE_NON_MTGHOLDER">26.03</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_ALLBORROWERS">3.13</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_MTGHOLDER">2.77</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_NON_MTGHOLDER">3.27</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_ALLBORROWERS">13.39</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_MTGHOLDER">11.82</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_NON_MTGHOLDER">14.02</v></o>
<o d="2017-07-01"><v s="FVI_CC_AVG_UTILIZATION_RATE_ALLBORROWERS">26.20</v><v s="FVI_CC_AVG_UTILIZATION_RATE_MTGHOLDER">27.10</v><v s="FVI_CC_AVG_UTILIZATION_RATE_NON_MTGHOLDER">25.89</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_ALLBORROWERS">3.10</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_MTGHOLDER">2.72</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_NON_MTGHOLDER">3.24</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_ALLBORROWERS">13.19</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_MTGHOLDER">11.57</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_NON_MTGHOLDER">13.85</v></o>
<o d="2017-10-01"><v s="FVI_CC_AVG_UTILIZATION_RATE_ALLBORROWERS">26.39</v><v s="FVI_CC_AVG_UTILIZATION_RATE_MTGHOLDER">27.16</v><v s="FVI_CC_AVG_UTILIZATION_RATE_NON_MTGHOLDER">26.10</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_ALLBORROWERS">3.10</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_MTGHOLDER">2.69</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_NON_MTGHOLDER">3.26</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_ALLBORROWERS">13.28</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_MTGHOLDER">11.53</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_NON_MTGHOLDER">13.96</v></o>
<o d="2018-01-01"><v s="FVI_CC_AVG_UTILIZATION_RATE_ALLBORROWERS">26.66</v><v s="FVI_CC_AVG_UTILIZATION_RATE_MTGHOLDER">27.29</v><v s="FVI_CC_AVG_UTILIZATION_RATE_NON_MTGHOLDER">26.36</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_ALLBORROWERS">3.03</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_MTGHOLDER">2.60</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_NON_MTGHOLDER">3.20</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_ALLBORROWERS">13.44</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_MTGHOLDER">11.62</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_NON_MTGHOLDER">14.13</v></o>
<o d="2018-04-01"><v s="FVI_CC_AVG_UTILIZATION_RATE_ALLBORROWERS">26.75</v><v s="FVI_CC_AVG_UTILIZATION_RATE_MTGHOLDER">27.39</v><v s="FVI_CC_AVG_UTILIZATION_RATE_NON_MTGHOLDER">26.49</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_ALLBORROWERS">2.99</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_MTGHOLDER">2.55</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_NON_MTGHOLDER">3.16</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_ALLBORROWERS">13.58</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_MTGHOLDER">11.79</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_NON_MTGHOLDER">14.33</v></o>
<o d="2018-07-01"><v s="FVI_CC_AVG_UTILIZATION_RATE_ALLBORROWERS">26.86</v><v s="FVI_CC_AVG_UTILIZATION_RATE_MTGHOLDER">27.47</v><v s="FVI_CC_AVG_UTILIZATION_RATE_NON_MTGHOLDER">26.66</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_ALLBORROWERS">2.97</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_MTGHOLDER">2.51</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_NON_MTGHOLDER">3.13</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_ALLBORROWERS">13.65</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_MTGHOLDER">11.91</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_NON_MTGHOLDER">14.38</v></o>
<o d="2018-10-01"><v s="FVI_CC_AVG_UTILIZATION_RATE_ALLBORROWERS">27.00</v><v s="FVI_CC_AVG_UTILIZATION_RATE_MTGHOLDER">27.57</v><v s="FVI_CC_AVG_UTILIZATION_RATE_NON_MTGHOLDER">26.78</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_ALLBORROWERS">2.92</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_MTGHOLDER">2.46</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_NON_MTGHOLDER">3.12</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_ALLBORROWERS">13.76</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_MTGHOLDER">11.91</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_NON_MTGHOLDER">14.45</v></o>
<o d="2019-01-01"><v s="FVI_CC_AVG_UTILIZATION_RATE_ALLBORROWERS">27.21</v><v s="FVI_CC_AVG_UTILIZATION_RATE_MTGHOLDER">27.70</v><v s="FVI_CC_AVG_UTILIZATION_RATE_NON_MTGHOLDER">26.96</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_ALLBORROWERS">3.01</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_MTGHOLDER">2.47</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_NON_MTGHOLDER">3.22</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_ALLBORROWERS">13.96</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_MTGHOLDER">12.14</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_NON_MTGHOLDER">14.63</v></o>
<o d="2019-04-01"><v s="FVI_CC_AVG_UTILIZATION_RATE_ALLBORROWERS">27.27</v><v s="FVI_CC_AVG_UTILIZATION_RATE_MTGHOLDER">27.74</v><v s="FVI_CC_AVG_UTILIZATION_RATE_NON_MTGHOLDER">27.07</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_ALLBORROWERS">3.10</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_MTGHOLDER">2.53</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_NON_MTGHOLDER">3.33</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_ALLBORROWERS">14.00</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_MTGHOLDER">12.17</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_NON_MTGHOLDER">14.80</v></o>
<o d="2019-07-01"><v s="FVI_CC_AVG_UTILIZATION_RATE_ALLBORROWERS">27.52</v><v s="FVI_CC_AVG_UTILIZATION_RATE_MTGHOLDER">27.70</v><v s="FVI_CC_AVG_UTILIZATION_RATE_NON_MTGHOLDER">27.50</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_ALLBORROWERS">2.90</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_MTGHOLDER">2.46</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_NON_MTGHOLDER">3.06</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_ALLBORROWERS">14.12</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_MTGHOLDER">12.11</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_NON_MTGHOLDER">14.97</v></o>
<o d="2019-10-01"><v s="FVI_CC_AVG_UTILIZATION_RATE_ALLBORROWERS">27.60</v><v s="FVI_CC_AVG_UTILIZATION_RATE_MTGHOLDER">27.65</v><v s="FVI_CC_AVG_UTILIZATION_RATE_NON_MTGHOLDER">27.58</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_ALLBORROWERS">2.87</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_MTGHOLDER">2.42</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_NON_MTGHOLDER">3.08</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_ALLBORROWERS">14.25</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_MTGHOLDER">11.99</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_NON_MTGHOLDER">15.06</v></o>
<o d="2020-01-01"><v s="FVI_CC_AVG_UTILIZATION_RATE_ALLBORROWERS">27.80</v><v s="FVI_CC_AVG_UTILIZATION_RATE_MTGHOLDER">27.69</v><v s="FVI_CC_AVG_UTILIZATION_RATE_NON_MTGHOLDER">27.82</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_ALLBORROWERS">2.90</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_MTGHOLDER">2.37</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_NON_MTGHOLDER">3.11</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_ALLBORROWERS">14.40</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_MTGHOLDER">12.13</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_NON_MTGHOLDER">15.27</v></o>
<o d="2020-04-01"><v s="FVI_CC_AVG_UTILIZATION_RATE_ALLBORROWERS">24.89</v><v s="FVI_CC_AVG_UTILIZATION_RATE_MTGHOLDER">25.17</v><v s="FVI_CC_AVG_UTILIZATION_RATE_NON_MTGHOLDER">24.75</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_ALLBORROWERS">2.66</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_MTGHOLDER">2.30</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_NON_MTGHOLDER">2.81</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_ALLBORROWERS">12.73</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_MTGHOLDER">11.13</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_NON_MTGHOLDER">13.46</v></o>
<o d="2020-07-01"><v s="FVI_CC_AVG_UTILIZATION_RATE_ALLBORROWERS">24.48</v><v s="FVI_CC_AVG_UTILIZATION_RATE_MTGHOLDER">24.54</v><v s="FVI_CC_AVG_UTILIZATION_RATE_NON_MTGHOLDER">24.53</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_ALLBORROWERS">2.04</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_MTGHOLDER">1.76</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_NON_MTGHOLDER">2.14</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_ALLBORROWERS">11.77</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_MTGHOLDER">10.22</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_NON_MTGHOLDER">12.43</v></o>
<o d="2020-10-01"><v s="FVI_CC_AVG_UTILIZATION_RATE_ALLBORROWERS">24.83</v><v s="FVI_CC_AVG_UTILIZATION_RATE_MTGHOLDER">24.59</v><v s="FVI_CC_AVG_UTILIZATION_RATE_NON_MTGHOLDER">24.91</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_ALLBORROWERS">2.07</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_MTGHOLDER">1.75</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_NON_MTGHOLDER">2.22</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_ALLBORROWERS">12.13</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_MTGHOLDER">10.10</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_NON_MTGHOLDER">12.86</v></o>
<o d="2021-01-01"><v s="FVI_CC_AVG_UTILIZATION_RATE_ALLBORROWERS">24.47</v><v s="FVI_CC_AVG_UTILIZATION_RATE_MTGHOLDER">23.88</v><v s="FVI_CC_AVG_UTILIZATION_RATE_NON_MTGHOLDER">24.71</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_ALLBORROWERS">1.95</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_MTGHOLDER">1.54</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_NON_MTGHOLDER">2.11</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_ALLBORROWERS">11.92</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_MTGHOLDER">9.85</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_NON_MTGHOLDER">12.74</v></o>
<o d="2021-04-01"><v s="FVI_CC_AVG_UTILIZATION_RATE_ALLBORROWERS">24.54</v><v s="FVI_CC_AVG_UTILIZATION_RATE_MTGHOLDER">23.99</v><v s="FVI_CC_AVG_UTILIZATION_RATE_NON_MTGHOLDER">24.72</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_ALLBORROWERS">1.92</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_MTGHOLDER">1.48</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_NON_MTGHOLDER">2.10</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_ALLBORROWERS">11.73</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_MTGHOLDER">9.59</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_NON_MTGHOLDER">12.69</v></o>
<o d="2021-07-01"><v s="FVI_CC_AVG_UTILIZATION_RATE_ALLBORROWERS">25.35</v><v s="FVI_CC_AVG_UTILIZATION_RATE_MTGHOLDER">24.46</v><v s="FVI_CC_AVG_UTILIZATION_RATE_NON_MTGHOLDER">25.78</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_ALLBORROWERS">1.97</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_MTGHOLDER">1.50</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_NON_MTGHOLDER">2.16</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_ALLBORROWERS">12.02</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_MTGHOLDER">9.60</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_NON_MTGHOLDER">13.08</v></o>
<o d="2021-10-01"><v s="FVI_CC_AVG_UTILIZATION_RATE_ALLBORROWERS">25.87</v><v s="FVI_CC_AVG_UTILIZATION_RATE_MTGHOLDER">24.91</v><v s="FVI_CC_AVG_UTILIZATION_RATE_NON_MTGHOLDER">26.25</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_ALLBORROWERS">2.01</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_MTGHOLDER">1.48</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_NON_MTGHOLDER">2.25</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_ALLBORROWERS">12.35</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_MTGHOLDER">9.62</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_NON_MTGHOLDER">13.39</v></o>
<o d="2022-01-01"><v s="FVI_CC_AVG_UTILIZATION_RATE_ALLBORROWERS">25.84</v><v s="FVI_CC_AVG_UTILIZATION_RATE_MTGHOLDER">24.77</v><v s="FVI_CC_AVG_UTILIZATION_RATE_NON_MTGHOLDER">26.30</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_ALLBORROWERS">2.13</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_MTGHOLDER">1.48</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_NON_MTGHOLDER">2.38</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_ALLBORROWERS">12.39</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_MTGHOLDER">9.62</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_NON_MTGHOLDER">13.53</v></o>
<o d="2022-04-01"><v s="FVI_CC_AVG_UTILIZATION_RATE_ALLBORROWERS">26.61</v><v s="FVI_CC_AVG_UTILIZATION_RATE_MTGHOLDER">25.68</v><v s="FVI_CC_AVG_UTILIZATION_RATE_NON_MTGHOLDER">26.94</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_ALLBORROWERS">2.30</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_MTGHOLDER">1.70</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_NON_MTGHOLDER">2.55</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_ALLBORROWERS">12.69</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_MTGHOLDER">9.84</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_NON_MTGHOLDER">13.92</v></o>
<o d="2022-07-01"><v s="FVI_CC_AVG_UTILIZATION_RATE_ALLBORROWERS">26.84</v><v s="FVI_CC_AVG_UTILIZATION_RATE_MTGHOLDER">25.81</v><v s="FVI_CC_AVG_UTILIZATION_RATE_NON_MTGHOLDER">27.31</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_ALLBORROWERS">2.39</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_MTGHOLDER">1.69</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_NON_MTGHOLDER">2.68</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_ALLBORROWERS">12.88</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_MTGHOLDER">10.02</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_NON_MTGHOLDER">14.11</v></o>
<o d="2022-10-01"><v s="FVI_CC_AVG_UTILIZATION_RATE_ALLBORROWERS">26.95</v><v s="FVI_CC_AVG_UTILIZATION_RATE_MTGHOLDER">25.97</v><v s="FVI_CC_AVG_UTILIZATION_RATE_NON_MTGHOLDER">27.34</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_ALLBORROWERS">2.36</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_MTGHOLDER">1.66</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_NON_MTGHOLDER">2.65</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_ALLBORROWERS">13.07</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_MTGHOLDER">10.17</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_NON_MTGHOLDER">14.17</v></o>
<o d="2023-01-01"><v s="FVI_CC_AVG_UTILIZATION_RATE_ALLBORROWERS">27.06</v><v s="FVI_CC_AVG_UTILIZATION_RATE_MTGHOLDER">26.11</v><v s="FVI_CC_AVG_UTILIZATION_RATE_NON_MTGHOLDER">27.44</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_ALLBORROWERS">2.41</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_MTGHOLDER">1.68</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_NON_MTGHOLDER">2.69</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_ALLBORROWERS">13.19</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_MTGHOLDER">10.40</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_NON_MTGHOLDER">14.29</v></o>
<o d="2023-04-01"><v s="FVI_CC_AVG_UTILIZATION_RATE_ALLBORROWERS">27.36</v><v s="FVI_CC_AVG_UTILIZATION_RATE_MTGHOLDER">26.55</v><v s="FVI_CC_AVG_UTILIZATION_RATE_NON_MTGHOLDER">27.65</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_ALLBORROWERS">2.46</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_MTGHOLDER">1.70</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_NON_MTGHOLDER">2.76</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_ALLBORROWERS">13.43</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_MTGHOLDER">10.68</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_NON_MTGHOLDER">14.54</v></o>
<o d="2023-07-01"><v s="FVI_CC_AVG_UTILIZATION_RATE_ALLBORROWERS">27.40</v><v s="FVI_CC_AVG_UTILIZATION_RATE_MTGHOLDER">26.50</v><v s="FVI_CC_AVG_UTILIZATION_RATE_NON_MTGHOLDER">27.79</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_ALLBORROWERS">2.51</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_MTGHOLDER">1.74</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_NON_MTGHOLDER">2.82</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_ALLBORROWERS">13.50</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_MTGHOLDER">10.80</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_NON_MTGHOLDER">14.64</v></o>
<o d="2023-10-01"><v s="FVI_CC_AVG_UTILIZATION_RATE_ALLBORROWERS">27.57</v><v s="FVI_CC_AVG_UTILIZATION_RATE_MTGHOLDER">26.61</v><v s="FVI_CC_AVG_UTILIZATION_RATE_NON_MTGHOLDER">27.96</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_ALLBORROWERS">2.58</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_MTGHOLDER">1.77</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_NON_MTGHOLDER">2.90</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_ALLBORROWERS">13.74</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_MTGHOLDER">10.91</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_NON_MTGHOLDER">14.80</v></o>
<o d="2024-01-01"><v s="FVI_CC_AVG_UTILIZATION_RATE_ALLBORROWERS">27.79</v><v s="FVI_CC_AVG_UTILIZATION_RATE_MTGHOLDER">26.84</v><v s="FVI_CC_AVG_UTILIZATION_RATE_NON_MTGHOLDER">28.13</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_ALLBORROWERS">2.64</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_MTGHOLDER">1.79</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_NON_MTGHOLDER">2.96</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_ALLBORROWERS">13.93</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_MTGHOLDER">11.15</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_NON_MTGHOLDER">14.96</v></o>
<o d="2024-04-01"><v s="FVI_CC_AVG_UTILIZATION_RATE_ALLBORROWERS">27.54</v><v s="FVI_CC_AVG_UTILIZATION_RATE_MTGHOLDER">26.51</v><v s="FVI_CC_AVG_UTILIZATION_RATE_NON_MTGHOLDER">27.92</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_ALLBORROWERS">2.69</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_MTGHOLDER">1.85</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_NON_MTGHOLDER">3.02</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_ALLBORROWERS">13.68</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_MTGHOLDER">10.79</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_NON_MTGHOLDER">14.77</v></o>
<o d="2024-07-01"><v s="FVI_CC_AVG_UTILIZATION_RATE_ALLBORROWERS">27.27</v><v s="FVI_CC_AVG_UTILIZATION_RATE_MTGHOLDER">26.17</v><v s="FVI_CC_AVG_UTILIZATION_RATE_NON_MTGHOLDER">27.72</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_ALLBORROWERS">2.73</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_MTGHOLDER">1.85</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_NON_MTGHOLDER">3.07</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_ALLBORROWERS">13.37</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_MTGHOLDER">10.48</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_NON_MTGHOLDER">14.55</v></o>
<o d="2024-10-01"><v s="FVI_CC_AVG_UTILIZATION_RATE_ALLBORROWERS">27.15</v><v s="FVI_CC_AVG_UTILIZATION_RATE_MTGHOLDER">25.96</v><v s="FVI_CC_AVG_UTILIZATION_RATE_NON_MTGHOLDER">27.62</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_ALLBORROWERS">2.78</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_MTGHOLDER">1.89</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_NON_MTGHOLDER">3.12</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_ALLBORROWERS">13.33</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_MTGHOLDER">10.33</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_NON_MTGHOLDER">14.46</v></o>
<o d="2025-01-01"><v s="FVI_CC_AVG_UTILIZATION_RATE_ALLBORROWERS">27.00</v><v s="FVI_CC_AVG_UTILIZATION_RATE_MTGHOLDER">25.70</v><v s="FVI_CC_AVG_UTILIZATION_RATE_NON_MTGHOLDER">27.47</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_ALLBORROWERS">2.84</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_MTGHOLDER">1.92</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_NON_MTGHOLDER">3.18</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_ALLBORROWERS">13.26</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_MTGHOLDER">10.20</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_NON_MTGHOLDER">14.37</v></o>
<o d="2025-04-01"><v s="FVI_CC_AVG_UTILIZATION_RATE_ALLBORROWERS">26.85</v><v s="FVI_CC_AVG_UTILIZATION_RATE_MTGHOLDER">25.48</v><v s="FVI_CC_AVG_UTILIZATION_RATE_NON_MTGHOLDER">27.37</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_ALLBORROWERS">2.73</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_MTGHOLDER">1.82</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_NON_MTGHOLDER">3.07</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_ALLBORROWERS">13.19</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_MTGHOLDER">10.08</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_NON_MTGHOLDER">14.36</v></o>
<o d="2025-07-01"><v s="FVI_CC_AVG_UTILIZATION_RATE_ALLBORROWERS">26.85</v><v s="FVI_CC_AVG_UTILIZATION_RATE_MTGHOLDER">25.36</v><v s="FVI_CC_AVG_UTILIZATION_RATE_NON_MTGHOLDER">27.40</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_ALLBORROWERS">2.75</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_MTGHOLDER">1.83</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_NON_MTGHOLDER">3.10</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_ALLBORROWERS">13.21</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_MTGHOLDER">10.08</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_NON_MTGHOLDER">14.44</v></o>
<o d="2025-10-01"><v s="FVI_CC_AVG_UTILIZATION_RATE_ALLBORROWERS">26.72</v><v s="FVI_CC_AVG_UTILIZATION_RATE_MTGHOLDER">25.20</v><v s="FVI_CC_AVG_UTILIZATION_RATE_NON_MTGHOLDER">27.31</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_ALLBORROWERS">2.79</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_MTGHOLDER">1.84</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_NON_MTGHOLDER">3.14</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_ALLBORROWERS">13.19</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_MTGHOLDER">9.97</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_NON_MTGHOLDER">14.39</v></o>
<o d="2026-01-01"><v s="FVI_CC_AVG_UTILIZATION_RATE_ALLBORROWERS">26.74</v><v s="FVI_CC_AVG_UTILIZATION_RATE_MTGHOLDER">25.13</v><v s="FVI_CC_AVG_UTILIZATION_RATE_NON_MTGHOLDER">27.32</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_ALLBORROWERS">2.77</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_MTGHOLDER">1.82</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_NON_MTGHOLDER">3.12</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_ALLBORROWERS">13.18</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_MTGHOLDER">9.90</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_NON_MTGHOLDER">14.37</v></o>
<o d="2026-04-01"><v s="FVI_CC_AVG_UTILIZATION_RATE_ALLBORROWERS">26.75</v><v s="FVI_CC_AVG_UTILIZATION_RATE_MTGHOLDER">25.14</v><v s="FVI_CC_AVG_UTILIZATION_RATE_NON_MTGHOLDER">27.35</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_ALLBORROWERS">2.77</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_MTGHOLDER">1.84</v><v s="FVI_CC_DLQ_RATE_30DAYPLUS_NON_MTGHOLDER">3.12</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_ALLBORROWERS">13.16</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_MTGHOLDER">9.89</v><v s="FVI_CC_UTILIZATION_RATE_ABOVE80_NON_MTGHOLDER">14.36</v></o>
</observations>
</data>