Volatility in the credit card industry has led a majority of financially sensitive consumers to modify their spending habits or change providers in response to changes in their issuer terms, according to comScore Inc.

The Internet researcher said 55% of those surveyed have spent less on a card in the past year as a result of changes made by the issuer, such as to interest rates and credit limits. The survey said 27% have stopped using the account for purchases and 12% closed the account. Meanwhile, just 3% said they spend more on that card after the changes.

Card companies have been raising interest rates on new balances, increasing minimum payments and lowering credit limits in response to the weak economy and new government regulations that were part of a sweeping credit card law in May.

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