Britons plan to cut credit card use

I'm trying to work out what this means, it may mean what this guy says: "'We are continually urging consumers to be more conscientious about their finances and their choice of credit, and our quarterly credit card index into consumer trends shows they are beginning to listen."
But a cynical part of me thinks it may be a reflection that people feel that harder times are ahead [oil price rises recently etc] and are anticipating the effects [ironically producing the effect by lowering aggregate demand in the economy] ....
Guardian Unlimited Money | Credit and debt | Britons plan to cut credit card use: