credit commitments and lines of credit the table below summarizes citigroup 2019s credit commitments as of december 31 , 2010 and december 31 , 2009: .

december 31 2010 u.s .: commercial and similar letters of credit: 1544
one- to four-family residential mortgages: 2582
revolving open-end loans secured by one- to four-family residential properties: 17986
commercial real estate construction and land development: 1813
credit card lines: 573945
commercial and other consumer loan commitments: 124142
total: 722012
december 31 2010 outside of u.s .: commercial and similar letters of credit: 7430
one- to four-family residential mortgages: 398
revolving open-end loans secured by one- to four-family residential properties: 2948
commercial real estate construction and land development: 594
credit card lines: 124728
commercial and other consumer loan commitments: 86262
total: 222360
december 31 2010 total: commercial and similar letters of credit: 8974
one- to four-family residential mortgages: 2980
revolving open-end loans secured by one- to four-family residential properties: 20934
commercial real estate construction and land development: 2407
credit card lines: 698673
commercial and other consumer loan commitments: 210404
total: 944372
december 31 2009: commercial and similar letters of credit: 7211
one- to four-family residential mortgages: 1070
revolving open-end loans secured by one- to four-family residential properties: 23916
commercial real estate construction and land development: 1704
credit card lines: 785495
commercial and other consumer loan commitments: 257342
total: 1076738

the majority of unused commitments are contingent upon customers 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 loans on the consolidated balance sheet . credit card lines citigroup provides credit to customers by issuing credit cards . the credit card lines are unconditionally cancelable 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 $ 79 billion and $ 126 billion with an original maturity of less than one year at december 31 , 2010 and december 31 , 2009 , 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. .

Questions:
what was the change in the credit commitments and lines of credit for citigroup 2019s from 2009 to 2010?
and how much does this change represent in relation to those credit commitments and lines of credit in 2009, in percentage?

Answers:
-132366
-12.3%