The latest statistics for new and increased credit limits are out, and the credit flow numbers are crap.$1.5 billion a month: a full billion less than approval levels in the first half of 2018.It was $4 billion a month before and after the GFC.In the figures released by the ABS on Friday, personal finance excluding refinancing stands at $5.1 billion, up eight per cent over the month of September 2019. And down six per cent over a year.In lending land, the post-election reboot is looking for substance and with the Labor Party level-pegging in the polls, maybe there are doubts about it.New lending commitments for investment dwellings excluding refinancing fell 4.0 per cent in September, the ABS said."In through-the-year terms, the value of new lending commitments was up 5.6 per cent for owner occupier dwellings excluding refinancing, and down 13.6 per cent for investment dwellings excluding refinancing on September 2018 levels."In trend terms, new lending commitments for owner occupier dwellings excluding refinancing rose 2.5 per cent.The flows for investment dwellings excluding refinancing rose 1.6 per cent in September.The number of lending commitments for owner occupier first home buyers fell 1.9 per cent, but the number of lending commitments for non-first home buyers rose 5.6 per cent in seasonally adjusted terms.Lending to households for refinancing of household loans fell 2.6 per cent in seasonally adjusted terms. Refinancing of owner occupier dwellings was the largest contributor to the fall in September (down 3.5 per cent), followed by refinancing of investment dwellings (down 0.9 per cent) and refinancing of personal loans (down 0.5 per cent).Personal finance excluding refinancing rose 7.7 per cent in seasonally adjusted terms in September 2019 and was down 5.7 per cent on September 2018, while the value of lending to businesses was down 3.5 per cent from September 2018.