Concepts and definitions
- Active card accounts
Active card accounts include all accounts that have been used at least once during the year.
- Actual credit card
Actual credit cards usually offer flexible credit for a period of at least one month and as long as several years. If a card can be used both as a charge card and as a credit card, it is classified into the group of actual credit cards.
- Charge card
Charge cards usually offer interest free credit of up to two months (e.g. Visa, and customer cards provided by petroleum companies). If a card can be used both as a charge card and as a credit card, it is classified into the group of actual credit cards.
- Claims in respect of credit cards
Claims of the reporting credit institution in respect of overdrafts of customers who have entered into a credit card agreement.
- Credit card debt
Unpaid portion of the credit card debt at the end of the year. Includes unpaid interests added to the debt capital by the credit card company.
- General credit cards
General credit cards are usually issued by bank-owned financial companies and are accepted by nearly all retailers.
- Retail credit card
Retail credit cards are accepted at designated retail outlets. Oil company cards are typical examples of special credit cards.
Official Statistics of Finland (OSF):
Credit cards [e-publication].
Helsinki: Statistics Finland [referred: 9.2.2012].
Access method: http://www.stat.fi/til/lkor/kas_en.html.
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