Consumers are expecting to rein in their credit card spending over the next few months, a survey has suggested.

Britons intend to spend an average of �927 on their cards in the next three months, a 14% drop from the previous quarter, according to a survey of 2,000 people by credit card provider Morgan Stanley.

The group said it was the first time consumers had predicted a fall in their credit card spending, since it began its survey 16 months ago.

Spending patterns over next three months*

16% less on holidays 16% less on supermarket shop 31% decrease in DIY spending 38% more on luxury items Source: Morgan Stanley's Consumer Banking Group

The survey could add to speculation that a slowdown in consumer spending could be on the horizon.

The study suggests that some people could be heeding warnings about unsustainable debt.

Tim Roe, of Morgan Stanley's Consumer Banking Group, said: "With people intending to spend less on their credit cards, it is apparent that the warnings are getting through."

Unlike previous surveys, no one said they intended ignoring their statement or paying nothing at all.

Nine out of 10 people intend to pay some of their debt during the next three months, with 61% saying they would clear their balance in full, it said.

While more than one in four people intend to pay more than the minimum required.

People in their twenties said they were most concerned about over exposing themselves to too much credit, with 49% intending to clear their balance in full, a 13% increase on the previous quarter.

People are also making cutbacks in a number of areas, such as holidays and food shopping.

DIY

People are intending to spend 16% less over the next three months on holidays.

On average, they to expect to pay �236 down from �279.

People also expect to put fewer weekly shops on their plastic - just �65 compared to �197 for the three months to the end of June.

DIY is another area, where people expect to spend less on their plastic.

It said people were predicting spending 31% less on their credit cards over the next three months.

However, despite these anticipated falls, people intend to spend 38% more on luxury items, with the over-50s intending to spend 74% more on luxury items.