In this July 16, 2012 photo, credit logos are displayed on a storefront window in Atlanta. Americans cut back on borrowing in July for the first time in nearly a year. Credit card use fell for the second straight month, suggesting many consumers remain cautious in the face of high unemployment and slow growth. (AP Photo/David Goldman)

Associated Press
In this July 16, 2012 photo, credit logos are displayed on a storefront window in Atlanta. Americans cut back on borrowing in July for the first time in nearly a year. Credit card use fell for the second straight month, suggesting many consumers remain cautious in the face of high unemployment and slow growth. (AP Photo/David Goldman)
In this July 16, 2012 photo, credit logos are displayed on a storefront window in Atlanta. Americans cut back on borrowing in July for the first time in nearly a year. Credit card use fell for the second straight month, suggesting many consumers remain cautious in the face of high unemployment and slow growth. (AP Photo/David Goldman)
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