A line graph shows four lines corresponding to the percentage of credit card, buy now pay later, telco and utility bills in arrears, from 2019 to 2023. Telcos are the highest from 2019 to around 2021 where buy now pay later takes over as the having the highest proportion in arrears, above 10 per cent by 2023. Utility and credit card bills in arrears both dropped from around 6-7 per cent in 2019 to lows between 2 and 4 percent in 2021, rising slightly from the end of 2022 to around 4 and 5 per cent respectively.