Americans are getting smarter about credit cards

U.S. consumers are getting more responsible with credit cards, data shows. Though Americans increased spending in the second quarter, they are opening fewer new accounts and fewer people with bad credit are getting credit cards.

The big picture: The American Bankers Association's November report also found that the number of credit card holders who pay off their balance in full rose to 31.1% in Q2, the highest level since ABA began keeping track in 2008.

• The share of credit card holders carrying a monthly balance fell to 43.2%, the lowest level in two years.

Go deeper: Delinquencies spike with record-high credit card interest rates