Consumer credit rose $24.56 billion in May to $3.898 trillion, the Federal Reserve reported Monday.
In April, consumer credit increased a revised $10.27 billion from the originally reported gain of $9.26 billion.
Economists polled by IFR Markets had predicted a $12.5 billion increase for the month.
Revolving credit outstanding in May grew $9.8 billion to $1.039 trillion from $1.029 trillion the previous month.
Non-revolving credit rose $14.8 billion to $2.858 trillion from $2.844 trillion.
Revolving credit includes credit card debt. Non-revolving debt includes automobile loans, loans for mobile homes, education, boats, trailers, or vacations.