Amex's charge-offs of debt deemed unrecoverable have climbed in a few months from unusually low levels to well above the historic average of 4.8% of balances outstanding.

ECONOMIST: American Express reveals unexpectedly weak results

While issuers avoid reducing limits below outstanding balances, your card company may decide to leave you with only a few hundred dollars in leeway.

FORBES

Additionally, homeowners have gradually cut their outstanding balances.

FORBES: Buyback Stocks And A Housing Bottom

Debit cards have gained market share in aggregate transaction volume at the expense of credit cards since they offer similar payment convenience and rewards benefits without the interest due on outstanding balances that is typical of credit cards.

FORBES: American Express Charges Ahead Through Interchange Fee Cap

Recent data released by Manilla.com, a company with a website and app that help consumers manage accounts and bill payments online, highlights U.S. markets with the best and worst auto loan interested rates, highest monthly car payments and outstanding car loan balances nationwide.

FORBES: Auto Loans Across The U.S.

Improvement in the macro economic outlook will lead to higher retail spending and greater outstanding credit card balances, a notable positive for Bank of America as the company has nearly 14% share of the U.S. debit card market and roughly 13% share of the U.S. credit card market.

FORBES: Bank Of America Looks Good For A Bounce To $16