Credit and charge cards refer to any article, whether in physical or electronic form, of a kind commonly known as a credit card or charge card or any similar article intended for use in purchasing goods or services on credit, whether or not the card is valid for immediate use.

Credit card rollover balance refers to the balance that incurs interest charges in the event that the credit card charges are not settled by the payment due date. The balance includes the minimum payment not settled by the due date and the rollover balance after payment of the minimum sum.

For rollover balances and the number of main and supplementary cards, the figures given are as of end of each month.

Note: Total billings, rollover balances and written-off bad debts are in S$ millions. Charge-off rates are percentages.