<?xml version="1.0" encoding="UTF-8"?>
<data>
<terms url="https://www.bankofcanada.ca/terms/"></terms>
<groupDetail>
    <label>Chart A-1A: Mortgagors tend to carry an outstanding balance more often than non-mortgagors</label>
    <description><![CDATA[Share of borrowers carrying an outstanding balance on their credit cards, seasonally adjusted

Note: Canadians are categorized as carrying an outstanding balance on their credit cards when they do not fully pay their credit card balance—on at least one of their credit cards—for two or more consecutive months. To protect the privacy of Canadians, TransUnion did not provide any personal information to the Bank. The TransUnion dataset was anonymized, meaning it does not include information that identifies individual Canadians, such as names, social insurance numbers or addresses.

Sources: TransUnion and Bank of Canada calculations]]></description>
    <link>https://www.bankofcanada.ca/?p=239403</link>
</groupDetail>
<seriesDetail>
<series id="SAN_XIAO20240605_CA1A_S1">
<label>Non-mortgagors</label>
<description></description>
<dimension key="d" name="Date"/>
</series>
<series id="SAN_XIAO20240605_CA1A_S2">
<label>Mortgagors</label>
<description></description>
<dimension key="d" name="Date"/>
</series>
</seriesDetail>
<observations>
<o d="2016-01-01"><v s="SAN_XIAO20240605_CA1A_S1">43.65</v><v s="SAN_XIAO20240605_CA1A_S2">55.36</v></o>
<o d="2016-02-01"><v s="SAN_XIAO20240605_CA1A_S1">42.74</v><v s="SAN_XIAO20240605_CA1A_S2">54.18</v></o>
<o d="2016-03-01"><v s="SAN_XIAO20240605_CA1A_S1">43.16</v><v s="SAN_XIAO20240605_CA1A_S2">54.39</v></o>
<o d="2016-04-01"><v s="SAN_XIAO20240605_CA1A_S1">43.26</v><v s="SAN_XIAO20240605_CA1A_S2">54.23</v></o>
<o d="2016-05-01"><v s="SAN_XIAO20240605_CA1A_S1">43.19</v><v s="SAN_XIAO20240605_CA1A_S2">54.40</v></o>
<o d="2016-06-01"><v s="SAN_XIAO20240605_CA1A_S1">43.28</v><v s="SAN_XIAO20240605_CA1A_S2">54.53</v></o>
<o d="2016-07-01"><v s="SAN_XIAO20240605_CA1A_S1">43.46</v><v s="SAN_XIAO20240605_CA1A_S2">54.60</v></o>
<o d="2016-08-01"><v s="SAN_XIAO20240605_CA1A_S1">44.30</v><v s="SAN_XIAO20240605_CA1A_S2">55.46</v></o>
<o d="2016-09-01"><v s="SAN_XIAO20240605_CA1A_S1">44.15</v><v s="SAN_XIAO20240605_CA1A_S2">55.00</v></o>
<o d="2016-10-01"><v s="SAN_XIAO20240605_CA1A_S1">43.58</v><v s="SAN_XIAO20240605_CA1A_S2">54.63</v></o>
<o d="2016-11-01"><v s="SAN_XIAO20240605_CA1A_S1">43.26</v><v s="SAN_XIAO20240605_CA1A_S2">54.27</v></o>
<o d="2016-12-01"><v s="SAN_XIAO20240605_CA1A_S1">43.44</v><v s="SAN_XIAO20240605_CA1A_S2">54.50</v></o>
<o d="2017-01-01"><v s="SAN_XIAO20240605_CA1A_S1">43.43</v><v s="SAN_XIAO20240605_CA1A_S2">54.52</v></o>
<o d="2017-02-01"><v s="SAN_XIAO20240605_CA1A_S1">43.40</v><v s="SAN_XIAO20240605_CA1A_S2">54.34</v></o>
<o d="2017-03-01"><v s="SAN_XIAO20240605_CA1A_S1">43.26</v><v s="SAN_XIAO20240605_CA1A_S2">54.01</v></o>
<o d="2017-04-01"><v s="SAN_XIAO20240605_CA1A_S1">43.46</v><v s="SAN_XIAO20240605_CA1A_S2">54.21</v></o>
<o d="2017-05-01"><v s="SAN_XIAO20240605_CA1A_S1">43.32</v><v s="SAN_XIAO20240605_CA1A_S2">54.09</v></o>
<o d="2017-06-01"><v s="SAN_XIAO20240605_CA1A_S1">43.09</v><v s="SAN_XIAO20240605_CA1A_S2">53.93</v></o>
<o d="2017-07-01"><v s="SAN_XIAO20240605_CA1A_S1">43.10</v><v s="SAN_XIAO20240605_CA1A_S2">54.00</v></o>
<o d="2017-08-01"><v s="SAN_XIAO20240605_CA1A_S1">43.06</v><v s="SAN_XIAO20240605_CA1A_S2">54.01</v></o>
<o d="2017-09-01"><v s="SAN_XIAO20240605_CA1A_S1">43.18</v><v s="SAN_XIAO20240605_CA1A_S2">54.02</v></o>
<o d="2017-10-01"><v s="SAN_XIAO20240605_CA1A_S1">43.26</v><v s="SAN_XIAO20240605_CA1A_S2">54.12</v></o>
<o d="2017-11-01"><v s="SAN_XIAO20240605_CA1A_S1">43.86</v><v s="SAN_XIAO20240605_CA1A_S2">54.43</v></o>
<o d="2017-12-01"><v s="SAN_XIAO20240605_CA1A_S1">44.20</v><v s="SAN_XIAO20240605_CA1A_S2">54.78</v></o>
<o d="2018-01-01"><v s="SAN_XIAO20240605_CA1A_S1">43.90</v><v s="SAN_XIAO20240605_CA1A_S2">54.45</v></o>
<o d="2018-02-01"><v s="SAN_XIAO20240605_CA1A_S1">43.82</v><v s="SAN_XIAO20240605_CA1A_S2">54.35</v></o>
<o d="2018-03-01"><v s="SAN_XIAO20240605_CA1A_S1">43.54</v><v s="SAN_XIAO20240605_CA1A_S2">53.86</v></o>
<o d="2018-04-01"><v s="SAN_XIAO20240605_CA1A_S1">43.88</v><v s="SAN_XIAO20240605_CA1A_S2">54.18</v></o>
<o d="2018-05-01"><v s="SAN_XIAO20240605_CA1A_S1">43.92</v><v s="SAN_XIAO20240605_CA1A_S2">54.35</v></o>
<o d="2018-06-01"><v s="SAN_XIAO20240605_CA1A_S1">44.15</v><v s="SAN_XIAO20240605_CA1A_S2">54.65</v></o>
<o d="2018-07-01"><v s="SAN_XIAO20240605_CA1A_S1">43.70</v><v s="SAN_XIAO20240605_CA1A_S2">54.30</v></o>
<o d="2018-08-01"><v s="SAN_XIAO20240605_CA1A_S1">43.50</v><v s="SAN_XIAO20240605_CA1A_S2">54.20</v></o>
<o d="2018-09-01"><v s="SAN_XIAO20240605_CA1A_S1">43.69</v><v s="SAN_XIAO20240605_CA1A_S2">54.37</v></o>
<o d="2018-10-01"><v s="SAN_XIAO20240605_CA1A_S1">45.16</v><v s="SAN_XIAO20240605_CA1A_S2">55.72</v></o>
<o d="2018-11-01"><v s="SAN_XIAO20240605_CA1A_S1">45.20</v><v s="SAN_XIAO20240605_CA1A_S2">55.80</v></o>
<o d="2018-12-01"><v s="SAN_XIAO20240605_CA1A_S1">45.49</v><v s="SAN_XIAO20240605_CA1A_S2">55.96</v></o>
<o d="2019-01-01"><v s="SAN_XIAO20240605_CA1A_S1">44.95</v><v s="SAN_XIAO20240605_CA1A_S2">55.36</v></o>
<o d="2019-02-01"><v s="SAN_XIAO20240605_CA1A_S1">44.92</v><v s="SAN_XIAO20240605_CA1A_S2">55.39</v></o>
<o d="2019-03-01"><v s="SAN_XIAO20240605_CA1A_S1">44.91</v><v s="SAN_XIAO20240605_CA1A_S2">55.19</v></o>
<o d="2019-04-01"><v s="SAN_XIAO20240605_CA1A_S1">45.85</v><v s="SAN_XIAO20240605_CA1A_S2">56.01</v></o>
<o d="2019-05-01"><v s="SAN_XIAO20240605_CA1A_S1">45.71</v><v s="SAN_XIAO20240605_CA1A_S2">56.03</v></o>
<o d="2019-06-01"><v s="SAN_XIAO20240605_CA1A_S1">45.63</v><v s="SAN_XIAO20240605_CA1A_S2">55.88</v></o>
<o d="2019-07-01"><v s="SAN_XIAO20240605_CA1A_S1">45.47</v><v s="SAN_XIAO20240605_CA1A_S2">55.79</v></o>
<o d="2019-08-01"><v s="SAN_XIAO20240605_CA1A_S1">45.52</v><v s="SAN_XIAO20240605_CA1A_S2">55.82</v></o>
<o d="2019-09-01"><v s="SAN_XIAO20240605_CA1A_S1">45.76</v><v s="SAN_XIAO20240605_CA1A_S2">56.03</v></o>
<o d="2019-10-01"><v s="SAN_XIAO20240605_CA1A_S1">45.68</v><v s="SAN_XIAO20240605_CA1A_S2">55.76</v></o>
<o d="2019-11-01"><v s="SAN_XIAO20240605_CA1A_S1">45.66</v><v s="SAN_XIAO20240605_CA1A_S2">55.63</v></o>
<o d="2019-12-01"><v s="SAN_XIAO20240605_CA1A_S1">46.32</v><v s="SAN_XIAO20240605_CA1A_S2">56.23</v></o>
<o d="2020-01-01"><v s="SAN_XIAO20240605_CA1A_S1">45.25</v><v s="SAN_XIAO20240605_CA1A_S2">55.27</v></o>
<o d="2020-02-01"><v s="SAN_XIAO20240605_CA1A_S1">43.72</v><v s="SAN_XIAO20240605_CA1A_S2">53.30</v></o>
<o d="2020-03-01"><v s="SAN_XIAO20240605_CA1A_S1">44.23</v><v s="SAN_XIAO20240605_CA1A_S2">53.75</v></o>
<o d="2020-04-01"><v s="SAN_XIAO20240605_CA1A_S1">44.89</v><v s="SAN_XIAO20240605_CA1A_S2">54.69</v></o>
<o d="2020-05-01"><v s="SAN_XIAO20240605_CA1A_S1">43.36</v><v s="SAN_XIAO20240605_CA1A_S2">52.78</v></o>
<o d="2020-06-01"><v s="SAN_XIAO20240605_CA1A_S1">43.02</v><v s="SAN_XIAO20240605_CA1A_S2">52.51</v></o>
<o d="2020-07-01"><v s="SAN_XIAO20240605_CA1A_S1">43.37</v><v s="SAN_XIAO20240605_CA1A_S2">53.19</v></o>
<o d="2020-08-01"><v s="SAN_XIAO20240605_CA1A_S1">43.12</v><v s="SAN_XIAO20240605_CA1A_S2">52.88</v></o>
<o d="2020-09-01"><v s="SAN_XIAO20240605_CA1A_S1">42.93</v><v s="SAN_XIAO20240605_CA1A_S2">52.47</v></o>
<o d="2020-10-01"><v s="SAN_XIAO20240605_CA1A_S1">42.27</v><v s="SAN_XIAO20240605_CA1A_S2">51.49</v></o>
<o d="2020-11-01"><v s="SAN_XIAO20240605_CA1A_S1">42.64</v><v s="SAN_XIAO20240605_CA1A_S2">51.73</v></o>
<o d="2020-12-01"><v s="SAN_XIAO20240605_CA1A_S1">42.72</v><v s="SAN_XIAO20240605_CA1A_S2">51.70</v></o>
<o d="2021-01-01"><v s="SAN_XIAO20240605_CA1A_S1">40.13</v><v s="SAN_XIAO20240605_CA1A_S2">48.59</v></o>
<o d="2021-02-01"><v s="SAN_XIAO20240605_CA1A_S1">39.70</v><v s="SAN_XIAO20240605_CA1A_S2">47.69</v></o>
<o d="2021-03-01"><v s="SAN_XIAO20240605_CA1A_S1">42.36</v><v s="SAN_XIAO20240605_CA1A_S2">50.56</v></o>
<o d="2021-04-01"><v s="SAN_XIAO20240605_CA1A_S1">43.46</v><v s="SAN_XIAO20240605_CA1A_S2">51.72</v></o>
<o d="2021-05-01"><v s="SAN_XIAO20240605_CA1A_S1">42.56</v><v s="SAN_XIAO20240605_CA1A_S2">50.55</v></o>
<o d="2021-06-01"><v s="SAN_XIAO20240605_CA1A_S1">42.18</v><v s="SAN_XIAO20240605_CA1A_S2">50.29</v></o>
<o d="2021-07-01"><v s="SAN_XIAO20240605_CA1A_S1">42.29</v><v s="SAN_XIAO20240605_CA1A_S2">50.63</v></o>
<o d="2021-08-01"><v s="SAN_XIAO20240605_CA1A_S1">42.82</v><v s="SAN_XIAO20240605_CA1A_S2">51.14</v></o>
<o d="2021-09-01"><v s="SAN_XIAO20240605_CA1A_S1">42.84</v><v s="SAN_XIAO20240605_CA1A_S2">51.07</v></o>
<o d="2021-10-01"><v s="SAN_XIAO20240605_CA1A_S1">42.31</v><v s="SAN_XIAO20240605_CA1A_S2">50.48</v></o>
<o d="2021-11-01"><v s="SAN_XIAO20240605_CA1A_S1">43.35</v><v s="SAN_XIAO20240605_CA1A_S2">51.65</v></o>
<o d="2021-12-01"><v s="SAN_XIAO20240605_CA1A_S1">43.32</v><v s="SAN_XIAO20240605_CA1A_S2">51.80</v></o>
<o d="2022-01-01"><v s="SAN_XIAO20240605_CA1A_S1">40.97</v><v s="SAN_XIAO20240605_CA1A_S2">48.94</v></o>
<o d="2022-02-01"><v s="SAN_XIAO20240605_CA1A_S1">41.74</v><v s="SAN_XIAO20240605_CA1A_S2">49.79</v></o>
<o d="2022-03-01"><v s="SAN_XIAO20240605_CA1A_S1">43.23</v><v s="SAN_XIAO20240605_CA1A_S2">51.10</v></o>
<o d="2022-04-01"><v s="SAN_XIAO20240605_CA1A_S1">43.35</v><v s="SAN_XIAO20240605_CA1A_S2">50.86</v></o>
<o d="2022-05-01"><v s="SAN_XIAO20240605_CA1A_S1">43.01</v><v s="SAN_XIAO20240605_CA1A_S2">50.65</v></o>
<o d="2022-06-01"><v s="SAN_XIAO20240605_CA1A_S1">43.13</v><v s="SAN_XIAO20240605_CA1A_S2">50.81</v></o>
<o d="2022-07-01"><v s="SAN_XIAO20240605_CA1A_S1">42.77</v><v s="SAN_XIAO20240605_CA1A_S2">50.47</v></o>
<o d="2022-08-01"><v s="SAN_XIAO20240605_CA1A_S1">42.84</v><v s="SAN_XIAO20240605_CA1A_S2">50.69</v></o>
<o d="2022-09-01"><v s="SAN_XIAO20240605_CA1A_S1">42.88</v><v s="SAN_XIAO20240605_CA1A_S2">50.78</v></o>
<o d="2022-10-01"><v s="SAN_XIAO20240605_CA1A_S1">42.94</v><v s="SAN_XIAO20240605_CA1A_S2">50.94</v></o>
<o d="2022-11-01"><v s="SAN_XIAO20240605_CA1A_S1">43.50</v><v s="SAN_XIAO20240605_CA1A_S2">51.62</v></o>
<o d="2022-12-01"><v s="SAN_XIAO20240605_CA1A_S1">43.21</v><v s="SAN_XIAO20240605_CA1A_S2">51.38</v></o>
<o d="2023-01-01"><v s="SAN_XIAO20240605_CA1A_S1">42.55</v><v s="SAN_XIAO20240605_CA1A_S2">50.84</v></o>
<o d="2023-02-01"><v s="SAN_XIAO20240605_CA1A_S1">42.74</v><v s="SAN_XIAO20240605_CA1A_S2">51.19</v></o>
<o d="2023-03-01"><v s="SAN_XIAO20240605_CA1A_S1">43.24</v><v s="SAN_XIAO20240605_CA1A_S2">51.60</v></o>
<o d="2023-04-01"><v s="SAN_XIAO20240605_CA1A_S1">43.78</v><v s="SAN_XIAO20240605_CA1A_S2">52.20</v></o>
<o d="2023-05-01"><v s="SAN_XIAO20240605_CA1A_S1">43.77</v><v s="SAN_XIAO20240605_CA1A_S2">52.39</v></o>
<o d="2023-06-01"><v s="SAN_XIAO20240605_CA1A_S1">43.59</v><v s="SAN_XIAO20240605_CA1A_S2">52.32</v></o>
<o d="2023-07-01"><v s="SAN_XIAO20240605_CA1A_S1">43.47</v><v s="SAN_XIAO20240605_CA1A_S2">52.35</v></o>
<o d="2023-08-01"><v s="SAN_XIAO20240605_CA1A_S1">43.60</v><v s="SAN_XIAO20240605_CA1A_S2">52.44</v></o>
<o d="2023-09-01"><v s="SAN_XIAO20240605_CA1A_S1">43.87</v><v s="SAN_XIAO20240605_CA1A_S2">52.58</v></o>
<o d="2023-10-01"><v s="SAN_XIAO20240605_CA1A_S1">44.03</v><v s="SAN_XIAO20240605_CA1A_S2">52.71</v></o>
<o d="2023-11-01"><v s="SAN_XIAO20240605_CA1A_S1">44.16</v><v s="SAN_XIAO20240605_CA1A_S2">52.86</v></o>
<o d="2023-12-01"><v s="SAN_XIAO20240605_CA1A_S1">44.20</v><v s="SAN_XIAO20240605_CA1A_S2">52.92</v></o>
<o d="2024-01-01"><v s="SAN_XIAO20240605_CA1A_S1">43.81</v><v s="SAN_XIAO20240605_CA1A_S2">52.64</v></o>
<o d="2024-02-01"><v s="SAN_XIAO20240605_CA1A_S1">43.75</v><v s="SAN_XIAO20240605_CA1A_S2">52.64</v></o>
</observations>
</data>