A Bend financial advisor says consumer credit use is going up again, and that could be a bullish sign for the economy.  Troy Reinhart with Northwest Quadrant Wealth Management says some people seem to be trading their bad debt for "good" debt.  "We’re seeing some of the bad debt go away, some of the excess credit card debt.  We're seeing lots of people go out and buy cars, so that telling us that despite what we're seeing in the "consumer confidence" numbers; they are feeling more confident that they'll keep their jobs, that they'll be able to make their car payment, can qualify for that car payment."  A recent report shows that overall consumer debt is at a 2 1/2 year high and that consumer credit card use is at a five year high.   Reinhart says another bullish sign is that small business loans just went up to an all time high.  He says that's a leading economic indicator, which could mean that business is going to be up in 6 to 8 months.