Americans are doing a better job of making timely credit card payments, even as many lenders increasingly extend credit to more people with less-than-perfect credit.

Credit reporting agency TransUnion says the rate of U.S. credit card payments at least 90 days overdue fell to 1.16 percent in the April-June quarter. That's the lowest level in at least seven years.

Local credit counselors say that's happening because people are creating spending plans and avoiding racking up more debt.

"Prioritizing what you really need, wants versus needs going down to the basics and really trying to work on a cash basis versus having that card ready...because cash has more of a psychological hold on us than swiping a card," said Majel Olson of Consumer Credit Counseling Service.

The credit card delinquency rate is down from 1.27 percent in the second-quarter last year. It peaked in the first quarter of 2009 at 3.12 percent.

TransUnion's data set goes back to 2007.

Average card debt per borrower edged up from a year ago to $5,234.

Americans still have a limited appetite for debt after gorging themselves on sub-prime mortgages and credit cards before recession in late 2007.