Consumers and Credit 2012: Come Back, Young Cardholders, the latest report from Mercator Advisory Group, examines market dynamics for this group including channels used for applications, consumer and merchant rules for card usage, reaction to surcharging or other merchant rules and foreign acceptance of credit cards outside the United States. This year, consumers appear to be using their credit cards for online purchases (47%), richer rewards (36%), and as many purchases as possible (30%).