Consumer credit rose at an annual rate of 6.4 percent in May 2007, far above the small 1.1 percent gain of April. The increase was propelled by a surge in the category that includes credit cards, which rose at a rate of 9.8 percent. The jump in credit card debt was the largest since a 14.5 percent rate of increase in November. The category of consumer credit that includes auto loans was also up in May, rising at a 4.4 percent rate after a 1.7 percent gain in April. The size of the increase was nearly double what economists had been forecasting.