Total number of users. The activity rate refers to the proportion of active users to the total users. When calculated, the number of active users is divided by the total number of users. Credit card activity rate refers to the ratio of the number of purchases using a credit card to the number of active users. Active users refer to users who use credit cards to make purchases, and consumption times refer to the number of times they use credit cards to make purchases. The denominator of the credit card activity rate is the total number of users.