Consumer spending was soft in April, with credit and charge purchases, debit card purchases and ATM withdrawals all down.According to the latest Reserve Bank payment data, consumers spent A$23.4 billion on credit and charge cards in April, compared with $25.4 billion the previous month.That is an average of $1425 per card account, compared with $1551 per card account in March.Consumers spent $19.2 billion on debit cards in April, compared with $20.3 billion in March.That is an average of $457 per debit card account, compared with $483 per account in March.The value of ATM withdrawals fell from $11.6 million in March to $11.1 million in April.The value of credit card cash advances and cash-out on debit cards also fell.