New analysis reveals Australians are becoming smarter in the way they manage their credit cards, with overall debt falling over the past year, the percentage of debt accruing interest at a historical low and a very low use of available credit card limits. This new analysis by the Australian Bankers’ Association reveals a fall in the country’s overall credit card debt for only the third time in history with the country repaying not just interest but reducing the overall outstanding balance by $260 million to $52.2 billion. ABA Chief Economist Tony Pearson said the fall in debt reflected increasingly savvy customers. “Overall credit card holders are becoming more financially savvy, taking care