According to data from the collection agency Equifax Canada, Canadians have it harder to refund their credit in time. From June 2008 to June 2009, the failure rate in payment of credit was up by 24% on average in Canada.
In Quebec and in Montreal, this failure rate to refund credit for the same period is a little less than the Canadian average, that is to say 23%. The economic situation is surely partly to blame.