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 f

 

              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 f
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)