With the U.S. economy on the mend, a healthier consumer has emerged and begun dipping into his wallet, but is this time spending more wisely. Americans cut credit-card use by nearly 19% in November, the largest drop since December 1974, the Federal Reserve said. Revolving credit fell by 10% on average in the prior two months. Credit-card use is growing slower than debit-card transactions, with cash-strapped consumers reluctant to run balances.