Consumers realising there are better options than credit cards at 20% and consolidating their debts with the likes of Society One, Wisr, etc.
"The idea of combining all your consumer debts into one simple loan and repayment is growing in popularity."
And credit card numbers declining. https://www.abc.net.au/news/2019-01-14/credit-cards-cut-up-before-christmas/10714320
I think this trend has a long way to play out.
