APT Margin Transaction Losses, page-107

Perhaps you can explain this?

This is straight from the RBA website

https://www.rba.gov.au/payments-and-infrastructure/resources/payments-data.html

C1 Credit and Charge Cards – Seasonally Adjusted Series
	Number of purchases	Value of purchases
	1000's	$1,000,000
Dec-2018	240723.2	27146.0
Dec-2019	252539.4	28313.8

I have heard multiple times on this thread from the believers, that "CC usage is in decline"

The RBA data doesn't support that assertion.