Someone please help me 1. As of January 2011, nonmortgage consumer debt had increased for the fourth straight month. At the same time, credit card debt fell to a six-year low point. Excluding mortgages, how can it be that consumer debt is rising while credit card debt is falling?

One thing that might be a factor is that it isn't as easy to get new credit cards as it once was.  Credit  card companies are also not automatically increasing limits.  In fact, over the past few years, many cards have drasticallly cut existing customer limits. ..

Hopefully, people are also getting smarter about not carrying balances on credit cards.

Explanation:

The credit card debts will possibly fall when the consumers are smart enough to not carry credit loans from the cards.

Additionally, inferable from the subprime emergency it had turned out to be difficult.

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