Read the following texts and table with financial data from an S&P 500 earnings report carefully.Based on the question-answer history (if provided), answer the last question. The answer may require mathematical calculation based on the data provided.

Text: credit commitments and lines of credit the table below summarizes citigroup 2019s credit commitments as of december 31 , 2009 and december 31 , 2008 : in millions of dollars u.s . outside of december 31 , december 31 . <table class='wikitable'><tr><td>1</td><td>in millions of dollars</td><td>u.s .</td><td>outside of u.s .</td><td>december 31 2009</td><td>december 31 2008</td></tr><tr><td>2</td><td>commercial and similar letters of credit</td><td>$ 1321</td><td>$ 5890</td><td>$ 7211</td><td>$ 8215</td></tr><tr><td>3</td><td>one- to four-family residential mortgages</td><td>788</td><td>282</td><td>1070</td><td>937</td></tr><tr><td>4</td><td>revolving open-end loans secured by one- to four-family residential properties</td><td>20914</td><td>3002</td><td>23916</td><td>25212</td></tr><tr><td>5</td><td>commercial real estate construction and land development</td><td>1185</td><td>519</td><td>1704</td><td>2702</td></tr><tr><td>6</td><td>credit card lines</td><td>649625</td><td>135870</td><td>785495</td><td>1002437</td></tr><tr><td>7</td><td>commercial and other consumer loan commitments</td><td>167510</td><td>89832</td><td>257342</td><td>309997</td></tr><tr><td>8</td><td>total</td><td>$ 841343</td><td>$ 235395</td><td>$ 1076738</td><td>$ 1349500</td></tr></table> the majority of unused commitments are contingent upon customers 2019 maintaining specific credit standards . commercial commitments generally have floating interest rates and fixed expiration dates and may require payment of fees . such fees ( net of certain direct costs ) are deferred and , upon exercise of the commitment , amortized over the life of the loan or , if exercise is deemed remote , amortized over the commitment period . commercial and similar letters of credit a commercial letter of credit is an instrument by which citigroup substitutes its credit for that of a customer to enable the customer to finance the purchase of goods or to incur other commitments . citigroup issues a letter on behalf of its client to a supplier and agrees to pay the supplier upon presentation of documentary evidence that the supplier has performed in accordance with the terms of the letter of credit . when a letter of credit is drawn , the customer is then required to reimburse citigroup . one- to four-family residential mortgages a one- to four-family residential mortgage commitment is a written confirmation from citigroup to a seller of a property that the bank will advance the specified sums enabling the buyer to complete the purchase . revolving open-end loans secured by one- to four-family residential properties revolving open-end loans secured by one- to four-family residential properties are essentially home equity lines of credit . a home equity line of credit is a loan secured by a primary residence or second home to the extent of the excess of fair market value over the debt outstanding for the first mortgage . commercial real estate , construction and land development commercial real estate , construction and land development include unused portions of commitments to extend credit for the purpose of financing commercial and multifamily residential properties as well as land development projects . both secured-by-real-estate and unsecured commitments are included in this line , as well as undistributed loan proceeds , where there is an obligation to advance for construction progress payments . however , this line only includes those extensions of credit that , once funded , will be classified as total loans , net on the consolidated balance sheet . credit card lines citigroup provides credit to customers by issuing credit cards . the credit card lines are unconditionally cancellable by the issuer . commercial and other consumer loan commitments commercial and other consumer loan commitments include overdraft and liquidity facilities , as well as commercial commitments to make or purchase loans , to purchase third-party receivables , to provide note issuance or revolving underwriting facilities and to invest in the form of equity . amounts include $ 126 billion and $ 170 billion with an original maturity of less than one year at december 31 , 2009 and december 31 , 2008 , respectively . in addition , included in this line item are highly leveraged financing commitments , which are agreements that provide funding to a borrower with higher levels of debt ( measured by the ratio of debt capital to equity capital of the borrower ) than is generally considered normal for other companies . this type of financing is commonly employed in corporate acquisitions , management buy-outs and similar transactions. .
Question: what was the difference in credit card lines between 12/31/08 and 12/31/09?
Answer: -216942.0
Question: and the specific value for 2008?
Answer: 1002437.0
Question: so what was the percentage decrease during this time?

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-0.21641
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