First Data's monthly analysis of card transaction data suggests consumers used their cards more in December 2011 than they did in December 2010, but that they spent only the same or less money.
The card processor's monthly SpendTrend analysis tracks same-store consumer spending on credit, debit, benefit cards and checks at retail locations across the country.
Transaction volumes in December 2011 rose on all cards over December 2010, between 6.1% for credit cards and 8.3% for debit cards which are validated with a personal identification number. Transaction volume fell for checks in the same period by 10.2%.
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