Similarly, the total amount of revenue (including both interest and fees paid by consumers and interchange fees paid by merchants) averaged 17.8 percent of total credit card balances in Q3 2010, below its level in any of the prior three years. (consumerfinance.gov)
As the paper puts it, the «overall spending and debt accumulation measured by total credit card balances at the credit bureau remain constant or increase [only] slightly, suggesting that cardholders substitute spending and debt from other credit cards.» (valuepenguin.com)
According to the Federal Reserve, «the outstanding student loan balance now stands at about $ 870 billion, surpassing the total credit card balance ($ 693 billion) and the total auto loan balance ($ 730 billion). (getoutofdebt.org)