NEW YORK ( BankingMyWay) -- Consumers are digging out their credit cards. Analysis from MasterCard ( MA) says consumers face less financial anxiety today and feel more confidence in their ability to meet financial goals and manage their money, with 70% of U.S. adults saying they are "in control" of their finances -- up 6 percentage points from 2008. That could explain why consumer credit card usage is up $172 billion (or 8.4%) from 2011. The real shift in financial habits, though, is away from debit cards. MasterCard reports that there has been an $7.7 billion drain away from debit cards and toward credit cards from 2011 to last year, a transition mostly triggered by improving consumer sentiment on the economy. credit card rewards points, which MasterCard says is making a comeback. Last year, 54% of U.S. credit card users turned to plastic because of credit cards rewards, up 9% from 2008. Cash-back rewards are particularly popular with card users -- those programs are up 8 percentage points since 2008.