Credit cards are becoming an increasingly unpopular financial product, with the second consumer survey in the past month highlighting the decline in household reliance on credit card debt.According to ING Direct's latest Household Financial Wellbeing index, the proportion of households with no credit card debt rose from 14 per cent in the March quarter to 16 per cent in the latest quarter.Last month, the St George Bank-Melbourne Institute Household Financial Conditions Report revealed that the proportion of people with credit card debt fell from 38.8 per cent in the June quarter last year to 30.8 per cent in the June quarter this year.While the two results don't correlate, they show a clear trend, which is backed up by Reserve Bank data. The average value of credit and charge card balances accruing interest during the 2013/14 financial year was $34.6 billion a month, compared with an average of $35.6 billion a month in 2012/13.The ING Direct index shows that households remain focused on reducing debt, reining in costs and increasing savings.Households are keen to save more. Asked to list their financial goals, 44 per cent said saving more, followed by reducing cost of living (41 per cent) and cutting back on discretionary spending (32 per cent).The proportion of mortgage-free households rose from 26 per cent to 30 per cent. This is the highest level since the survey started in 2010. One in three households (33 per cent) are renting, 34 per cent own a home with a mortgage and 30 per cent own a home with no mortgage.Among households with a mortgage, 41 per cent are ahead with their repayments and four per cent are getting behind.The level of comfort with savings has remained steady, despite a substantial fall in the median savings level over the past 12 months. The median savings level was A$12,057 in the June quarter  - down from a high of $22,106 in the September quarter last year.Fifteen per cent of households have no savings, which is unchanged from the previous quarter.The overall ING Direct index has declined over the past three quarters, largely as a result of a decline in the level of comfort with income and household bills.The biggest financial concern was maintaining current lifestyles amid the rising cost of living. Another concern was "new costs coming from the Budget".The proportion of households that are "very uncomfortable" with their household income rose from 17 per cent in the March quarter to 19 per cent in the latest quarter.Nine per cent of households said their household income was not enough to cover immediate bills and debts.