[…] As PYMNTS data have found, the use of credit has become somewhat of a juggling act. As many as 27% of U.S. consumers pulled money from their savings to manage credit card debt. There’s an active pivot underway in how consumers are managing debt even if they do not live paycheck to paycheck, which in turn includes the consumers who ostensibly have the most leeway when it comes to spending — and that signals some pressures ahead for merchants. Within the “non-paycheck to paycheck” designation, 26.1% said they’d been budgeting, 23% said they’d spent less and 9.3% said that they’d used the cards less often. […]