Consumer credit in July rose 4.5 percent on a seasonally adjusted annual basis, as consumer debt climbed to $2.841 trillion, the U.S. Federal Reserve said. The central bank said revolving credit, mostly made up of credit card debt, fell by an annual rate of 2.5 percent, dropping to $851.6 billion. Non-revolving debt rose by 7.5 percent to $1.99 trillion, the Fed said. Non-revolving debt includes car loans, student loans and mortgages.