We are currently developing the documentation of statistics. At the moment, the content is not necessarily up-to-date in all respects.
Credit cards: documentation of statistics
The documentation of the statistics describes how the statistics were compiled and what methods were used in the compilation. The data help interpret the figures of the statistics and evaluate their reliability and comparability. The quality report is based on the EU's SIMS model. The documentation also contains change releases describing changes in the statistics and possible specifying methodological descriptions.
If you are looking for statistical figures for these statistics, go to the statistics page: Credit cards
Quality report
Data description (SIMS 3.1)
The statistics have been discontinued. The statistics on credit cards contain data on the numbers of credit card accounts and credit card transactions, on the amount of credit card debt, bad card debts, credit card interest rates and extra charges, delayed card repayments and card payment transactions.
Concepts and definitions (SIMS 3.4)
Active card accounts
Active card accounts include all accounts that have been used at least once during the year.
Actual credit card
Actual credit cards usually offer flexible credit for a period of at least one month and as long as several years. If a card can be used both as a charge card and as a credit card, it is classified into the group of actual credit cards.
Charge card
Charge cards usually offer interest free credit of up to two months (e.g. Visa, and customer cards provided by petroleum companies). If a card can be used both as a charge card and as a credit card, it is classified into the group of actual credit cards.
Claims in respect of credit cards
Claims of the reporting credit institution in respect of overdrafts of customers who have entered into a credit card agreement.
Claims in respect of credit cards
Claims of the reporting credit institution in respect of overdrafts of customers who have entered into a credit card agreement.
Credit card credit
The unpaid capital of actual credit card credits (extended credit card credits) and convenience credits at the end of the quarter.
Credit card debt
Unpaid portion of the credit card debt at the end of the year. Includes unpaid interests added to the debt capital by the credit card company.
Credit card debt
Unpaid portion of the credit card debt at the end of the year. Includes unpaid interests added to the debt capital by the credit card company.
General credit cards
General credit cards are usually issued by bank-owned financial companies and are accepted by nearly all retailers.
Retail credit card
Retail credit cards are accepted at designated retail outlets. Oil company cards are typical examples of special credit cards.
Institutional mandate (SIMS 6)
The compilation of statistics is guided by the Statistics Act. The Statistics Act contains provisions on collection of data, processing of data and the obligation to provide data. Besides the Statistics Act, the General Data Protection Regulation, the Data Protection Act and the Act on the Openness of Government Activities are applied to processing of data when producing statistics.
Statistics Finland compiles statistics in line with the EU’s regulations applicable to statistics, which steer the statistical agencies of all EU Member States.
Further information: Statistical legislation
Quality assurance (SIMS 11.1)
Quality management requires comprehensive guidance of activities. The European Statistics Code of Practice forms the basis for the common quality system of the European Statistical System.
The Code of Practice is based on 16 principles that concern statistical authorities' independence, accountability and the quality of the processes and data to be published.
The principles are in line with the Fundamental Principles of Official Statistics approved by the United Nations Statistics Commission and are supplementary to them. The quality criteria of Official Statistics of Finland are compatible with the European Statistics Code of Practice.
Further information:
Release calendar (SIMS 8.1)
Statistics Finland publishes new statistical data at 8 am on weekdays in its web service. The release times of statistics are given in advance in the release calendar available in the web service. The data become public after they have been updated in the web service.
Further information: Publication principles for statistics at Statistics Finland
User access (SIMS 8.3)
The data are released to all users at the same time. Statistical data may be processed at Statistics Finland and information on them may be given before release only by persons involved in the production of the statistics concerned or who need the data of the statistics concerned in their own work before the data are published.
Further information: Publication principles for statistics
Unless otherwise specifically stated in connection with the product, data or service concerned, Statistics Finland is the producer and copyright owner of the data.
Further information: The terms of use for statistical data
Confidentiality - policy (SIMS 7.1)
The data protection of data collected for statistical purposes is guaranteed. The compilation of statistics is guided by the Statistics Act. Alongside the Statistics Act, the EU’s General Data Protection Regulation (eur-lex.europa.eu) and the Finnish Data Protection Act (Finlex.fi) are applied to the processing of personal data. Provisions on the confidentiality of data collected for statistical purposes are laid down in the Act on the Openness of Government Activities (Finlex.fi).
The data are processed only by persons who need the data in their work. The use of data is restricted by usage rights. All persons employed by Statistics Finland have signed a pledge of secrecy, where they have obliged to keep secret the data prescribed as confidential by virtue of the Statistics Act or the Act on the Openness of Government Activities.
Further information: Data protection