While there are signs of life in the business credit and mortgage markets, personal lending shows no sign of coming out of the slump it has been in for several years.According to Australian Bureau of Statistics figures released yesterday, the value of personal lending fell 2.7 per cent, from A$8 billion in May, to $7.8 billion in June (in seasonally adjusted terms).The ABS figures show that personal lending - a combination of fixed loans and revolving credit - has risen about three per cent over the past year.Reserve Bank figures, which were also released yesterday, show that credit and charge card balances accruing interest have fallen to their lowest level in three years. Total balances accruing interest stand at $34.9 billion. The last time balances were below $35 billion was in October 2010.The size of the average outstanding card balance fell $32.70 in June, to $2272.20.The number of purchases on credit and charge cards fell from 160.5 million in May to 144.9 million in June and the value of those transactions fell from $22.5 billion to $20.3 billion. The value of purchases in June was down on the same time last year.