The amount of credit-card debt held by U.S. consumers increased in February after they took a breather in the prior month, pushing use of plastic above $1 trillion, according to a new report released Friday.

Total consumer credit increased $15.2 billion in February to a seasonally adjusted $3.79 trillion, posting an annual growth rate of 4.8%, the Federal Reserve reported Friday.

The increase in February consumer credit was in line with economists’ estimates compiled by Econoday.

The pace of consumer credit in February is a pickup from a $10.8 billion gain in January, originally reported as a slim $8.8 billion increase. The January gain in consumer credit is still the slowest pace since April 2013.

Revolving credit, which includes credit cards, increased at an annual rate of 3.5% in February to $1 trillion, the Fed report showed. This completely reversed a 3.2% drop in January, which was the first monthly decline in credit-card debt since November 2013.

Analysts said the decline in January wasn’t unheard of as consumers often seek to quickly pay down their holiday borrowing.

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Nonrevolving credit, such as loans for education and cars, increased 5.3% in February to $2.79 trillion, down only slightly from a 5.9% gain in the prior month.

In an interview with MarketWatch late last month, Dallas Fed President Rob Kaplan said consumers are in better shape than any time since the 2008 financial crisis.

See: Fed’s Kaplan sees risk Washington could derail the expansion

Brian Bethune, economics professor at Tufts University, agreed with Kaplan, but said consumers were still being conservative in their spending habits with the memory of the last recession still fresh in their minds.

Consumer spending makes up about 70% of gross domestic product.