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Business card usage is sometimes reported to personal credit bureaus.
Right now, even some card usage may not be enough.
"Our credit card usage went way down," Mr. Ackley said.
"It is a general return of consumers to credit card usage, but it is a cautious one.
Bank of America abandoned its $5 a month debit card usage fee in late October amid a firestorm of criticism.
Although cash withdrawals from banks have been limited to €60 a day since the restrictions were announced, credit card usage and e-banking have both continued unencumbered.
"They are capable of tracking your credit card usage, phone usage, your A.T.M. usage, whatever you can access electronically," Mr. Strock said.
Similar(4)
The figure for credit-card usage is accurate enough, but it has nothing reason to with values.
It is true that interchange fees facilitate credit-card usage, which can encourage indebtedness with all its attendant problems.
"In addition to the normal credit-card usage, I used the balance-transfer option to pay for a couple of things here and there, and got carried away with it," said Mr. Briggs, 56.
The more shoppers the industry can get hooked back onto credit cards, the more easily it can earn back the money that has dried up from other sources, like debit-card usage fees and overdrafts.
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