A new study shows declining credit card use among Americans due to the economic downturn, as more consumers sit on their wallets. About 45% of those surveyed say their ability to contribute to savings has decreased and 37% of consumers say they are using their credit cards less. The research by Javelin Strategy & Research also found that 28% of those surveyed say their ability to pay off their credit card balance has become more difficult; one out of every three consumers said they are buying fewer basic goods; 57% of those surveyed say they are more careful about how often they eat out at restaurants; and 46% of consumers say they are shopping more at superstores. Javelin analysts also found significant cutbacks among credit card issuers. Seven out of ten issuers have reduced efforts to solicit new customers and 62% have cut back the lines of credit they make available to consumers.