The Credit Suisse report indicates that wages in urban China will increase 19% annually from 2011 through 2015, and private consumption may climb to 42% of GDP in 2015, up from the current 36%.

FORBES: Times Have Changed: No More 'China Produces and America Consumes'

The Credit Suisse report indicates that wages in urban China will increase 19 percent annually from 2011 through 2015, and private consumption may climb to 42 percent of GDP in 2015, up from the current 36 percent.

FORBES: Times Have Changed: No More "China Produces and America Consumes"

The information compiled not only demonstrates trends in credit card rates over time, but also indicates the different values credit card companies put on different target markets (consumer, business, etc.), as evidenced by the differences between rates for those markets.

FORBES: Credit Card Rates Stabilize After Recent Jump

However, an interesting point made that the rising heights of skyscrapers being newly built indicates the existence of a credit bubble and thus the recession that will inevitably follow.

FORBES: Rising Skyscrapers, Not Rising Skirts, Indicate a Recession Coming

This indicates that consumers continue to pay off their credit card debt as issuers keep tight limits on lending.

FORBES: Credit Card Debt Continues to Fall

The existence of widespread shadow banking serving the private sector, however, indicates that state-owned enterprises have much easier access to credit.

FORBES: China's Challenge: Balancing the State and Market

Revolving credit appeared to break out from its holding pattern showing a big surge in November, which indicates consumers have confidence to take on debt.

FORBES: NRF Expects Retail Sales To Rise 3.4% in 2012