 That's Ted Rossman at Bankrate. People are definitely spending. That's supporting the economy, but it's not good to the extent that many of these cardholders are paying an average interest rate of over 20%. Loan delinquencies, 90 days or more past due, are now the highest in more than a decade. But lenders don't seem too worried. Mike Schenck at America's Credit Unions says most consumers can cover their mounting debts.