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Growing balance = greater % of credit used.

So the metric GP is after is credit used per credit user? Normalizing the effect of an increase in credit users, and not assuming it's uniformly distributed.

Seems simpler to just publish the delinquent debt separately.

Consumer credit % used of credit available.

I mean you might also think the banks are issuing a bunch of dumb credit, but that suggests a problem with their financial state, not consumers.

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