Measures of demand for business finance and for revolving consumer credit show both remaining lacklustre, with commercial lending falling in September.Demand for commercial loans fell 10 per cent, to A$30.9 billion, from its August level, on a seasonally adjusted basis, according to monthly data compiled by the Australian Bureau of Statistics.On a trend basis, demand increased 0.3 per cent over the month, to $32.9 billion.Separate data on payment card use produced by the Reserve Bank of Australia shows that spending on credit and charge cards fell by 5.5 per cent in September from August. The RBA does not publish seasonal adjustments to this data.Mike Ebstein, principal of MWE Consulting, wrote in his monthly report on the payments data that spending on credit and charge cards had increased in the month of September in each of 2008 and 2009, though it fell in 2010.Credit card balances declined over each of July, August and September this year - the first time balances have declined for three months in succession since the beginning of the RBA data series in 1985.