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WASHINGTON -- Americans cut back on credit card use in June, further evidence that high unemployment and slow growth has made consumers more cautious about spending.

Overall consumer borrowing rose because of increases in auto and student loans. The Federal Reserve says total borrowing increased 3 percent to $2.58 trillion in June from May. That's just below the all-time high reached in July 2008.

Credit card debt fell 5 percent to $864.6 billion. A category of borrowing that includes auto and student loans increased 7 percent to $1.71 trillion.

Americans have been relying less on credit cards since the 2008 financial crisis and Great Recession. But much of that has been offset by a dramatic increase in student loans.

CHRISTOPHER S. RUGABER, AP Economics Writer