Credit card debt is poised to rebound off its 10-year low, giving card firms like Visa (V) and MasterCard (MA) a boost, but consumers may not return quickly to their previous debt-fueled buying habits. Historic borrowing and spending patterns should return eventually, but stagnant incomes are holding them back, said Greg McBride, senior financial analyst for Bankrate.com. "It's not like the American consumer has gotten religion about paying down