Just a few months ago, NY Times said folks are spending more and more on Credit Cards: http://www.nytimes.com/2016/03/27/your-money/credit-cards-encourages-extr

Just a few months ago, NY Times said folks are spending more and more on Credit Cards: http://www.nytimes.com/2016/03/27/your-money/credit-cards-encourages-extra-spending-as-the-cash-habit-fades-away.html http://www.nytimes.com/2016/03/27/your-money/credit-cards-en... They highlight a 25-year old (arguably fitting the Millenial archetype) that "uses her Southwest Airlines Rapid Rewards card to collect points she says she uses for plane tickets to visit her family in California." Which is it? Are we using credit cards more, or are we spooked by them and using them less?