​On Tuesday morning, three of the biggest banks in the country reported on the state of their finances: Bank of America, Citigroup, and JPMorgan Chase. One common theme in those quarterly reports? Consumers are reaching for their credit cards more. All three banks reported that credit card use was up this spring from the same time a year ago.In the past few months, 32-year-old Katrina Linden has been spending a lot on fun stuff: She bought tickets to the music festivals Coachella and BottleRock. She went skiing. She went camping.“So just putting more towards the larger experiences,” Linden said.Linden used credit cards to pay for that travel, and she makes at least the minimum payment on each of her cards every month — though she does carry a balance. Still, she said being able to do the things she wants to do is worth it.“It's clear that homeownership is out of reach for me, at least for the time being,” she said. “So, I'm trying to move away from saving for a future that might not even be possible, and spending more on on immediate experiences.”Travel and entertainment — fun, generally — was a big credit card purchase for lots of people this spring, according to Lora Monfared, head of consumer card products at Bank of America, which is a Marketplace underwriter.“Cruise lines, airfare … [the] FIFA World Cup is happening right now,” Monfared said. “We are definitely seeing elevated spending in cities that are host cities.”But also, people are charging more of the necessities.“Things like fuel,” Monfared said. “And that's going to be driven more by things like gas prices going up.”Monfared said more of their customers are paying their balances off in full than were prior to the pandemic. Still, consumers need to be careful, according to Merrill J. Reynolds, managing director of executive education at Southern Methodist University Cox. He said as a rule of thumb, a person’s credit card debt shouldn’t be more than 30% of their available credit, or their credit score could get dinged.“You won't be able to get credit as easy, and if you're successful in getting credit, it's going to probably cost you more from a loan standpoint,” Reynolds said.Reynolds is also going to be watching to see whether people fall behind on their payments.“Then, you [have] to start worrying about people paying their mortgages, and people paying their car loans and those types of things,” he said.He also said credit card delinquencies are an early sign of problems with the economy.