(KCEN) -- Americans are getting ready to crank up the use of their credit cards.
According to credit reporting agency Trans-Union, the average credit card debt per borrower was up from July to September.
In fact, it grew 4.9 percent compared to the same period last year.
The agency's analysis of consumer-credit data also showed credit card payments at least 90 days overdue were also up.
Americans are also carrying higher card balances, but that could be due to the upcoming holidays.
Card holders tend to use their cards for the holidays and pay down the balance in the spring.