U.S. credit cardholders are not in the mood to charge, according to national poll results recently released by Bankrate, Inc. The phone study was conducted from December 5 through December 7. Just one percent of those surveyed plan to charge more in 2009, while 32 percent are likely to use their cards less frequently and 15 percent won’t be taking out the plastic at all. Forty percent of these consumers wouldn’t care if their credit lines were cancelled.

As far as credit availability goes, 41 percent of those polled reported that their credit lines were increased, while 44 percent said their lines were unchanged; only six percent experienced a decrease.

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