The US Federal Reserve says consumer borrowing in November saw its sharpest rise in more than a decade.
The jump in borrowing of $US20.4 billion was the largest monthly gain since November 2001.
The Fed's category that measures credit-card debt rose by $US5.6bn, the most since March 2008.
The data suggests US consumers are borrowing again and adds to a string of good economic news, including six months of sustained job growth, the BBC reports.
Last week, the Labor Department said the US economy created 200,000 jobs in December while the unemployment rate dropped to 8.5% - the lowest level in nearly three years.
Last month, the Conference Board Consumer Confidence Index said US consumer confidence had risen to an eight-month high in December.