Consumers increased their spending on credit cards last year, but they kept their revolving balances in check, according to the latest Reserve Bank credit card data.The average value of monthly purchases on credit and charge cards during the 12 months to November was A$20.8 billion - an increase of 4.5 per cent over the previous 12 months.The average value of balances accruing interest was $36.3 billion during the 12 months to November - an increase of just 0.5 per cent over the previous year.Credit card issuers make money from annual fees and interest on revolving balances. What the RBA's data shows is that there was almost no growth in interest revenue from cards in 2012.There were 15.2 million credit and charge cards on issue in November - an increase of 1.3 per cent over the number on issue a year earlier.Use of cash advances has fallen sharply. There was a total of $794 million of cash advances in November. In the free-spending pre-GFC days, cash advances of more than $1 billion a month were a regular occurrence.