Consumers are spending more on their credit and charge cards but keeping their card debt in check.According to the latest Reserve Bank card payment data, consumers spent A$22.9 billion on their credit and charge cards in May - an increase of 7.2 per cent over the previous month.The principal of MWE Consulting, Mike Ebstein, said annual spend per card in the 12 months to May was $17,933, which was $13 above the result for the 12 months to April.However, balances accruing interest fell one per cent to $34.4 billion, month on month, and have fallen by 1.7 per cent since the start of the year.Ebstein said the average credit and charge card account balance was $3236 in May and the average credit limit was $9275.