Again the wrongness of the overly simplistic fallacy you are relying on shines through. According to this ridiculous idea, if credit card debt goes up, it must be because they are all spendthrift fools who are trying to 'keep up with the Jones's', are trying to live a lifestyle beyond their means, and are making poor choices. You have established an indefensible position and are using factoids to back it without any even modest attempt to go any deeper. The answer is never, ever that simple in something as complex a system as you are trying to apply this to. Literally never. Anyone who tells you different either does not know what they are talking about or is lying to you.
The over consumption myth is just that, a myth.