In this Saturday, Jan. 5, 2013 photo, a person demonstrates using a credit card in an ATM machine in Pittsburgh. ricans stepped up borrowing in January to buy cars and attend school, while staying cautious about using their credit cards. (AP Photo/Gene J. Puskar)

Associated Press
In this Saturday, Jan. 5, 2013 photo, a person demonstrates using a credit card in an ATM machine in Pittsburgh. ricans stepped up borrowing in January to buy cars and attend school, while staying cautious about using their credit cards. (AP Photo/Gene J. Puskar)
In this Saturday, Jan. 5, 2013 photo, a person demonstrates using a credit card in an ATM machine in Pittsburgh. ricans stepped up borrowing in January to buy cars and attend school, while staying cautious about using their credit cards. (AP Photo/Gene J. Puskar)
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