FILE - In this July 18, 2012 file photo, credit card logos are seen on a downtown storefront as a pedestrian passes in Atlanta. Americans cranked up their use of credit cards in the

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FILE - In this July 18, 2012 file photo, credit card logos are seen on a downtown storefront as a pedestrian passes in Atlanta. Americans cranked up their use of credit cards in the third quarter of 2012, racking up more debt than a year ago, while also being less diligent about making payments on time, an analysis of consumer-credit data shows. (AP Photo/David Goldman, File) less