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New Zealand data on credit card use and balances is collected by the RBNZ and reported monthly. This gives us an important look at the growth of credit limits, how much of those limits are being used, how much people owe on their credit cards, and what proportion has not been paid off within the interest-free days and incurs interest.
The RBNZ data also allows us to filter out credit card activity by foreigners while they are here, and see how much New Zealanders use their cards overseas (although not all of these things are covered in our chart above).
The transaction data is now a sub-set of data for all electronic card transactions, which is reported slightly earlier by Statistics NZ; however Statistics NZ do not report balance data, only transaction data.