UK cardholders have more credit- but will they use it?

Recently, The Bank of England upgraded its growth forecast for the UK economy, now expecting Q3 growth to be 0.7%, up from the forecast of 0.5% last month. Britain's Organisation for Economic Cooperation and Development also predicted that economic growth would accelerate by a relatively brisk 1.7 percent between June and December this year. While this is pleasing news for all of us, will consumers have the credit they need to keep the momentum going throughout this economic pick-up, or will the "credit gap" stall their spending? - asks Daniel Melo