1  Graph 1  Total Merchant Fees* Per cent of transaction values acquired %  %  2.5  2.5  American Express  2.0  2.0  1.5  1.5 Mastercard and Visa  1.0  Mastercard and Visa credit**  Mastercard and Visa debit**  0.5  1.0 0.5  eftpos 0.0  2006 * **  2010  2014  2018  0.0 2022  Break in September 2020 due to change in reporting forms.
We do though have a strong interest in trends in household borrowing, especially given the already high level of household debt in Australia. It is important that lending standards remain sound in an environment of low interest rates and rising housing prices.