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Fransesco Very good point, and I guess it would be impossible to separate our monthly shopping from bad credit card debt so everyone including the RBA would be looking at the national credit card balance and think that the sky is about to fall. It's not. More and more people these days...

Sphinx No, you are the one who's wrong. Have you considered if credit card debt is included in this figure? If it is, then the % you are quoting is totally misrepresented because increased credit card debt only means that more and more people are changing payment method and are paying...