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That's why you need to know how to spot a skimmer before it snags your information.To pure transactors, the balances on their cards aren't really debts at all, since any purchases will be paid off before interest charges are applied.In Q4 of 2015, the number of revolver accounts increased 0.4 percentage points from Q3 2015, accounting for 42.1 percent of all card accounts, while transactor accounts increased by 0.3 points to 29.7 percent.Americans have created billions of dollars worth of debt over the past 45 years, and credit card debt has been an important part of that.Credit card debt dove -- along with consumer spending -- during the 2008 financial crisis and slow growth has kept total revolving debt at pre-crisis levels, though it is creeping up.