Levels of credit

Includes information on the amounts borrowed on a range of different types of credit including credit cards, charge cards, secured and unsecured loans and other issues relating to borrowing including access to affordable credit and illegal lending.

Categories

Catalogues and mail order (44 items)

Includes information relating to the use of and levels of credit obtained through the use of catalogues and other mail order services.

Charge cards (55 items)

Includes information on the levels of use and credit obtained through the use of charge cards. A charge card is a card that requires full payment of the balance by the due date.

Credit cards (107 items)

Includes information on the use of and levels of credit obtained using credit cards. A credit card is a card issued by a lender that allows the holder to buy goods and services and pay for them later. If, on the due date, the holder does not pay the balance, the lender charges interest on the unpaid balance.

Home credit (39 items)

Includes information on the use of and levels of credit obtained using home credit. Home credit usually involves local agents who deliver the money direct to their customers’ homes and call every week to collect repayments. There is often an up-front, fixed charge for the service rather than interest being charged.

Illegal lending (47 items)

Includes information on the use of and levels of credit obtained through illegal lending. Illegal money lending refers to the unlicensed lending of money to people often at extreme rates of interest, particularly where the debitor misses a payment.

Lack of access to affordable credit (60 items)

This includes information on the difficulties that some people have in accessing affordable credit.

Loans (75 items)

Includes information on the use of and level of loans that people have borrowed from a range of different loan providers.

Loans from family and friends (46 items)

This category includes information on borrowing from family and friends.

Mortgages (84 items)

This includes information on levels of mortgages. It covers both first and second mortgages.