Despite stalling job starts and a slightly turbulent economy, major credit card companies saw improvements in their customers payments, according to the Wall Street Journal. Capital One, Chase and American Express all reported declines in delinquent payments.

As opposed to what occured during the depths of the recession, these reports indicate the consumers are more on top of their finances, although they are still not borrowing as much as they were in the years before 2008. Indeed, American debt has been decreasing for several months - it dropped by $3.44 billion earlier this month, according to the Federal Reserve.

However, the slightly gloomier jobs report for May have lowered consumers optimism a tick. Although borrowing increased in April, it was the smallest growth in six months, according to Canadian Business.

Still, though, the gain of $6.5 billion of borrowing in April, according to the news source, does indicate that consumers are still leaning relatively heavily on their plastic. Whether it's paying off student loans and mortgages or buying airplane tickets and other goods, Canadians and Americans are using their credit cards at high levels again.

This means that businesses hoping to keep their post-recession growth strong need to have pos terminals that accept credit cards in order to capitalize on recovering credit card borrowing. Having flexible payment processing allows merchants to cast the widest net when it comes to attracting customers. Offering many forms of transactions not only allows customers to pay in the most convenient way for them, but also encourages them to spend more at each transaction.

Indeed, consumer spending has increased in the first three months of the year, signaling that consumers may be ramping up their purchasing and borrowing alike, according to the news source. Such spending - which accounts for 70 percent of economic activity - is likely good news for the approaching summer for merchants and businesses.