Line of credit growth occurs and is only a benefit when a portion of the line of credit is not used. (reverse.org)
Analysis of trends in credit growth will therefore need to take account of a greater degree of noise in the series in the future. (rba.gov.au)
Regarding the first of these issues, the most recent cyclical peak in household credit growth occurred around the end of 2003, when it reached an annual rate of over 20 per cent. (rba.gov.au)