FILE - In this Friday, Nov. 29, 2013, file photo, shoppers ride escalators between floors during Black Friday shopping at Macy's, in Chicago. The Federal Reserve reports how much consumers borrowed

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FILE - In this Friday, Nov. 29, 2013, file photo, shoppers ride escalators between floors during Black Friday shopping at Macy's, in Chicago. The Federal Reserve reports how much consumers borrowed in November on Wednesday, Jan. 8, 2014. (AP Photo/Andrew A. Nelles, File) less 

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Associated Press
Thu, Jan 9, 2014 8:05 AM EST