Declines in business and personal credit restricted the rise in overall credit in Australia in the month of April to just 0.02 per cent, or zero after rounding by the Reserve Bank of Australia for tables on growth in financial aggregates.Bank lending rose 0.1 per cent, while non-bank lending dropped 0.6 per cent.If seasonal adjustment factors are overlooked then credit measured by the RBA fell marginally in April.The extended long weekend late in the month no doubt messed with many business indicators and not just credit measures, so a longer view of the data suggests that measures of business credit in particular are moderately positive for lenders.Six-monthly figures for bank lending (see chart) show housing loan growth steadying at around eight per cent a year. Six-monthly business lending is now growing as well, after almost two years of contraction. Non-bank lending continues to recover more slowly, with six-month annualised growth at less than two per cent.