On credit cards themselves, credit cards in Canada are partly a credit tool, of course, but most customers actually use them as a payment option. The vast majority of customers in Canada don't actually pay any interest whatsoever because they pay off their balances in full each and every month.
Again, this is another incredibly competitive market. You have over 600 issuers of credit cards, and you have a whole range of options in terms of what kind of product you're looking for. If you do in fact carry a balance each month, there are low-rate cards and there are also other ways of getting a credit product. Lines of credit are increasing, whereas debt on credit cards is decreasing.